AAVAS Financiers Ltd

AAVAS Financiers Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

AAVAS Financiers Ltd

₹ 1,943 -2.43%
30 Apr - close price
aavas.in BSE: 541988 NSE: AAVAS
About

Incorporated in 2011, Aavas Financiers Ltd provides housing loans & advances[1]

Key Points

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]

Website BSE NSE
  • Market Cap ₹ 15,376 Cr.
  • Current Price ₹ 1,943
  • High / Low ₹ 2,238 / 1,457
  • Stock P/E 26.8
  • Book Value ₹ 551
  • Dividend Yield 0.00 %
  • ROCE 10.1 %
  • ROE 14.1 %
  • Face Value ₹ 10.0
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Pros

  • Company's median sales growth is 25.4% of last 10 years

Cons

  • Stock is trading at 3.53 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
  • Promoter holding has decreased over last 3 years: -12.7%

* 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

Sector: Finance Industry: Finance - Housing

Part of Nifty 500 BSE Allcap BSE SmallCap BSE 500 BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
365 353 395 411 450 467 497 508 546 542 579 597 636
Interest 124 135 141 150 165 187 204 217 222 235 249 259 265
88 97 109 117 118 132 130 134 139 138 133 142 170
Financing Profit 153 121 144 144 167 148 163 157 186 169 198 196 202
Financing Margin % 42% 34% 37% 35% 37% 32% 33% 31% 34% 31% 34% 33% 32%
0 0 0 1 1 0 1 1 1 0 1 1 1
Depreciation 7 6 7 7 9 7 8 9 9 9 9 9 10
Profit before tax 146 115 138 138 159 141 157 150 177 161 190 188 193
Tax % 21% 22% 22% 22% 20% 22% 22% 22% 20% 22% 22% 22% 20%
116 89 107 107 127 110 122 117 143 126 148 146 154
EPS in Rs 14.65 11.30 13.52 13.57 16.04 13.87 15.38 14.74 18.02 15.93 18.69 18.50 19.42
Gross NPA % 0.99% 1.08% 1.10% 1.13% 0.92% 1.00% 1.04% 1.09% 0.94% 1.01% 1.08% 1.14% 1.08%
Net NPA % 0.77% 0.84% 0.84% 0.87% 0.68% 0.73% 0.76% 0.79% 0.67% 0.72% 0.78% 0.81% 0.73%
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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
54 104 191 305 494 710 902 1,103 1,304 1,608 2,018 2,355
Interest 30 53 97 143 193 255 356 458 478 591 828 1,007
14 21 43 72 161 188 225 273 349 441 535 582
Financing Profit 10 30 51 90 139 266 321 372 477 576 654 765
Financing Margin % 18% 29% 27% 29% 28% 38% 36% 34% 37% 36% 32% 32%
0 0 0 0 1 1 1 2 1 2 3 4
Depreciation 0 1 1 3 6 10 20 21 24 29 33 36
Profit before tax 9 29 50 88 134 258 302 353 455 549 624 733
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
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
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: 17%
Stock Price CAGR
10 Years: %
5 Years: 10%
3 Years: -5%
1 Year: 20%
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 12,398 13,918
8 47 60 91 95 137 177 181 200 254 348 339
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 78 116 144
CWIP 0 0 0 0 0 0 1 0 2 20 11 0
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 -1,987 -1,660
-1 -15 -218 -327 -342 -265 -467 196 -647 176
816 640 1,240 1,404 1,705 1,008 1,623 1,858 2,477 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%

Shareholding Pattern

Numbers in percentages

4 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
39.19% 39.16% 39.15% 39.14% 39.13% 39.11% 39.10% 26.47% 26.47% 26.47% 26.47% 26.47%
39.03% 37.67% 37.91% 38.83% 35.01% 35.49% 32.32% 34.80% 35.88% 35.50% 33.97% 29.67%
10.21% 11.01% 10.91% 12.49% 14.34% 14.13% 15.29% 23.99% 24.39% 25.55% 25.69% 10.75%
11.57% 12.16% 12.03% 9.53% 11.51% 11.24% 13.29% 14.76% 13.26% 12.49% 13.87% 33.11%
No. of Shareholders 54,26158,40962,63160,38894,7881,07,7181,32,6441,51,6801,44,3951,44,4521,47,8941,32,792

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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