AAVAS Financiers Ltd
- Market Cap ₹ 12,613 Cr.
- Current Price ₹ 1,593
- High / Low ₹ 2,238 / 1,517
- Stock P/E 21.5
- Book Value ₹ 551
- Dividend Yield 0.00 %
- ROCE 10.1 %
- ROE 14.1 %
- Face Value ₹ 10.0
Pros
- Promoter holding has increased by 22.5% over last quarter.
- Company's median sales growth is 25.4% of last 10 years
Cons
- Stock is trading at 2.89 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company might be capitalizing the interest cost
- Promoters have pledged or encumbered 54.0% of their holding.
* 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.
Peer comparison
Financial Services Financial Services Finance Housing Finance Company
Part of BSE 500 Nifty 500 BSE SmallCap BSE Allcap BSE Financial Services
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
54 | 104 | 191 | 305 | 494 | 710 | 902 | 1,103 | 1,304 | 1,608 | 2,018 | 2,355 | 2,440 | |
Interest | 30 | 53 | 97 | 143 | 193 | 255 | 356 | 458 | 478 | 591 | 828 | 1,007 | 1,044 |
14 | 21 | 43 | 72 | 161 | 188 | 225 | 273 | 349 | 441 | 535 | 582 | 612 | |
Financing Profit | 10 | 30 | 51 | 90 | 139 | 266 | 321 | 372 | 477 | 576 | 654 | 765 | 784 |
Financing Margin % | 18% | 29% | 27% | 29% | 28% | 38% | 36% | 34% | 37% | 36% | 32% | 32% | 32% |
0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 1 | 2 | 3 | 4 | 4 | |
Depreciation | 0 | 1 | 1 | 3 | 6 | 10 | 20 | 21 | 24 | 29 | 33 | 36 | 37 |
Profit before tax | 9 | 29 | 50 | 88 | 134 | 258 | 302 | 353 | 455 | 549 | 624 | 733 | 751 |
Tax % | 33% | 34% | 34% | 35% | 31% | 32% | 18% | 18% | 22% | 22% | 21% | 22% | |
6 | 19 | 33 | 57 | 93 | 176 | 249 | 290 | 357 | 430 | 491 | 574 | 587 | |
EPS in Rs | 2.12 | 5.80 | 8.54 | 9.82 | 13.46 | 22.52 | 31.81 | 36.88 | 45.20 | 54.41 | 62.00 | 72.53 | 74.20 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 37% |
5 Years: | 21% |
3 Years: | 22% |
TTM: | 17% |
Compounded Profit Growth | |
---|---|
10 Years: | 41% |
5 Years: | 18% |
3 Years: | 17% |
TTM: | 16% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 4% |
3 Years: | -12% |
1 Year: | -15% |
Return on Equity | |
---|---|
10 Years: | 13% |
5 Years: | 14% |
3 Years: | 14% |
Last Year: | 14% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 30 | 33 | 38 | 58 | 69 | 78 | 78 | 78 | 79 | 79 | 79 | 79 |
Reserves | 26 | 69 | 165 | 508 | 1,121 | 1,759 | 2,020 | 2,323 | 2,730 | 3,191 | 3,694 | 4,282 |
Borrowing | 354 | 704 | 1,447 | 1,793 | 2,755 | 3,653 | 5,382 | 6,378 | 8,012 | 9,887 | 12,412 | 13,918 |
8 | 47 | 60 | 91 | 95 | 137 | 177 | 181 | 200 | 254 | 334 | 339 | |
Total Liabilities | 418 | 852 | 1,711 | 2,451 | 4,040 | 5,627 | 7,657 | 8,960 | 11,020 | 13,411 | 16,519 | 18,618 |
5 | 5 | 6 | 10 | 18 | 23 | 60 | 58 | 66 | 78 | 116 | 134 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 2 | 20 | 11 | 10 |
Investments | 0 | 0 | 0 | 1 | 4 | 4 | 4 | 4 | 68 | 123 | 182 | 230 |
412 | 847 | 1,705 | 2,440 | 4,017 | 5,599 | 7,592 | 8,897 | 10,885 | 13,189 | 16,210 | 18,244 | |
Total Assets | 418 | 852 | 1,711 | 2,451 | 4,040 | 5,627 | 7,657 | 8,960 | 11,020 | 13,411 | 16,519 | 18,618 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-591 | -591 | -933 | -1,276 | -1,172 | -1,071 | -1,136 | -1,920 | -2,001 | -1,660 | |||
-1 | -15 | -218 | -327 | -342 | -265 | -467 | 196 | -646 | 176 | |||
816 | 640 | 1,240 | 1,404 | 1,705 | 1,008 | 1,623 | 1,858 | 2,491 | 1,475 | |||
Net Cash Flow | 224 | 34 | 90 | -199 | 191 | -328 | 20 | 134 | -156 | -9 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 15% | 24% | 21% | 15% | 11% | 12% | 13% | 13% | 14% | 14% | 14% | 14% |
Documents
Announcements
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 3 Sep
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
30 Aug - Of Investor(s)/Analyst(s)Meet/Call scheduled to be held on September 05, 2025.
- Reg. 34 (1) Annual Report. 27 Aug
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
26 Aug - Management to meet Elara Capital (Sep 2) and Motilal Oswal (Sep 3) in Mumbai; no unpublished price-sensitive information.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
24 Aug - Submission of Copy of Newspaper Publication regarding 15th Annual General Meeting to be held on September 16,2025 and E-voting Information
Annual reports
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Financial Year 2025
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Concalls
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Aug 2025Transcript PPT REC
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Oct 2018TranscriptNotesPPT
Business Overview
Aavas is a retail, affordable housing finance company, primarily serving low and middle-income self-employed customers in semi-urban and rural India. The company’s product offering consists of home loans for the purchase or construction of residential properties and the extension and repair of existing housing units, Loans against property, and MSME loans. [1]