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Consolidated Standalone

Aavas Financiers

₹1613.1 -39.8 | 2.4%

Market Cap ₹12770 Cr.

Stock P/E 22.2

P/B 2.9

Current Price ₹1613.1

Book Value ₹ 560.5

Face Value 10

52W High ₹2238.4

Dividend Yield 0%

52W Low ₹ 1518

Edit Ratio

Aavas Financiers Research see more...

Overview Inc. Year: 2011Industry: Finance - Housing

Aavas Financiers Ltd offers housing loans to customers belonging to low- and middle-income self-employed and salaried customers in semi-urban and rural areas in India. The organization offers domestic loans for studios, houses, and bungalows, as well as resale properties; land purchase and construction loans, including finance for self-construction of residential house; and home improvement loans, which include loans for tiling or flooring, plaster, painting, and many others. It additionally presents domestic equity loans; and micro, small, and medium business enterprise loans for business expansion, purchase of equipment, working capital, and so forth., as well as emergency credit line guarantee scheme products, home loan balance transfer. As of March 31, 2021, it operated via 280 branches in 11 states, which include Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Delhi, Punjab, Uttarakhand, and Himachal Pradesh. The company was previously called AU Housing Finance Ltd and modified its name to Aavas Financiers Ltd in February 2017. Aavas Financiers Ltd was founded in 2011 and is based totally in Jaipur, India.

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Aavas Financiers Share Price

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Peer Comparison

Aavas Financiers Quarterly Results

#(Fig in Cr.) Sep 2017 Dec 2017 Mar 2018 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 128 126 147 542 579 597 636 628
Other Income 0 0 1 0 1 1 1 0
Total Income 128 126 148 543 580 598 637 628
Total Expenditure 31 35 65 138 133 142 170 168
Operating Profit 97 91 83 405 448 456 468 460
Interest Expense 47 53 51 235 249 259 265 271
Depreciation 1 2 2 9 9 9 10 9
Profit Before Tax 48 37 30 161 190 188 193 179
Provision for Tax 15 11 10 35 42 42 40 40
Profit After Tax 33 26 20 126 148 146 154 139
Adjustments -33 -26 -20 0 0 0 0 -0
Profit After Adjustments 0 0 0 126 148 146 154 139
Adjusted Earnings Per Share 5.6 4.4 2.9 15.9 18.7 18.5 19.4 17.6

Aavas Financiers Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 104 191 305 494 710 902 1103 1304 1608 2017 2355 2440
Other Income 2 4 8 1 1 1 2 1 2 3 4 3
Total Income 106 195 313 494 711 903 1105 1306 1611 2020 2359 2443
Total Expenditure 24 50 83 161 187 224 272 348 440 533 580 613
Operating Profit 81 145 230 334 524 679 834 958 1171 1487 1778 1832
Interest Expense 51 94 140 194 256 357 460 479 593 830 1009 1044
Depreciation 1 1 3 6 10 20 21 24 29 33 36 37
Profit Before Tax 29 50 88 134 258 302 353 455 549 624 733 750
Provision for Tax 10 17 30 41 82 53 64 98 119 134 158 164
Profit After Tax 19 33 57 93 176 249 289 357 430 491 574 587
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 19 33 57 93 176 249 289 357 430 491 574 587
Adjusted Earnings Per Share 5.1 7.5 9.8 13.5 22.5 31.8 36.9 45.2 54.4 62 72.5 74.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 17% 22% 21% 37%
Operating Profit CAGR 20% 23% 21% 36%
PAT CAGR 17% 17% 18% 41%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -3% -7% 1% NA%
ROE Average 14% 14% 14% 15%
ROCE Average 10% 10% 10% 11%

Aavas Financiers Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 101 204 566 1190 1837 2098 2401 2809 3270 3773 4361
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 524 1196 1510 2193 2577 4234 4383 5693 7152 9964 11574
Current Liability 217 290 355 642 1165 1284 2119 2450 2897 2669 2550
Other Liabilities & Provisions 10 21 20 15 48 41 56 68 93 113 134
Total Liabilities 852 1711 2451 4040 5627 7657 8960 11020 13411 16519 18618
Loans 790 1402 2059 3333 4724 6181 7523 9053 11476 14004 16230
Investments 0 0 1 5 5 5 5 68 123 128 145
Fixed Assets 5 6 10 18 23 60 58 66 78 116 134
Other Loans 0 0 1 1 5 3 3 4 5 0 0
Other Non Current Assets 0 0 0 0 0 1 0 2 20 202 234
Current Assets 57 303 379 676 859 1391 1352 1804 1695 2068 1877
Total Assets 852 1711 2451 4040 5627 7657 8960 11020 13411 16519 18618

Aavas Financiers Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 2 11 235 269 358 160 350 22 42 177 21
Cash Flow from Operating Activities -370 -591 -591 -933 -1276 -1172 -1071 -1136 -1920 -2001 -1660
Cash Flow from Investing Activities -2 -1 -15 -218 -327 -342 -265 -467 196 -646 176
Cash Flow from Financing Activities 379 816 640 1240 1404 1705 1008 1623 1858 2491 1475
Net Cash Inflow / Outflow 8 224 34 90 -199 191 -328 20 134 -156 -9
Closing Cash & Cash Equivalent 11 235 269 358 160 350 22 42 177 21 11

Aavas Financiers Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 5.08 7.49 9.82 13.46 22.52 31.81 36.88 45.2 54.4 62 72.53
CEPS(Rs) 5.36 7.78 10.3 14.27 23.77 34.3 39.5 48.21 58.03 66.13 77.14
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 27.03 46.58 97.37 167.24 234.23 266.36 303.59 351.87 407.99 470.28 543.01
Net Profit Margin 18.4 17.17 18.73 18.86 24.78 27.61 26.24 27.35 26.74 24.32 24.38
Operating Margin 77.18 75.21 74.62 66.49 72.39 73.05 73.69 71.6 71 72.1 73.99
PBT Margin 27.93 26.17 28.7 27.21 36.3 33.48 32.03 34.87 34.14 30.95 31.11
ROA(%) 3 2.56 2.75 2.87 3.64 3.75 3.48 3.57 3.52 3.28 3.27
ROE(%) 24.33 21.48 14.84 10.81 11.78 12.72 12.95 13.83 14.33 14.13 14.32
ROCE(%) 13.17 11.69 11.36 10.44 10.91 10.19 10.04 9.56 9.56 9.95 10.15
Price/Earnings(x) 0 0 0 0 51.54 37.26 65.6 56.76 29.52 21.22 28.78
Price/Book(x) 0 0 0 0 4.96 4.45 7.97 7.29 3.94 2.8 3.84
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 7 6.55 5.16 4.54 16.96 14.9 21.95 20.47 13.15 10.4 12.24
EV/Core EBITDA(x) 8.96 8.63 6.84 6.72 22.99 19.81 29.05 27.88 18.07 14.1 16.2
Interest Earned Growth(%) 90.89 84.11 59.85 61.75 43.85 27.09 22.26 18.24 23.3 25.44 16.7
Net Profit Growth 201.1 71.79 74.3 62.93 88.96 41.62 16.21 23.25 20.54 14.1 17
EPS Growth(%) 173.66 47.33 31.13 37 67.35 41.23 15.94 22.57 20.35 13.98 16.98
Interest Coverage(x) % 1.57 1.53 1.62 1.69 2.01 1.85 1.77 1.95 1.93 1.75 1.73

Aavas Financiers Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 39.13 39.11 39.1 26.47 26.47 26.47 26.47 26.47 48.96 48.96
FII 34.96 35.45 32.32 34.79 35.88 35.5 33.97 29.67 29.77 25.88
DII 14.4 14.2 15.29 23.99 24.4 25.54 24.98 10.75 11.51 14.14
Public 11.51 11.24 13.28 14.75 13.25 12.48 14.57 33.11 9.75 11.02
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend.
  • Promoter holding is low: 48.96%.
  • Company has a low return on equity of 14% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Aavas Financiers News

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