AAVAS Financiers Ltd
- Market Cap ₹ 14,172 Cr.
- Current Price ₹ 1,790
- High / Low ₹ 2,238 / 1,457
- Stock P/E 24.7
- Book Value ₹ 551
- Dividend Yield 0.00 %
- ROCE 10.1 %
- ROE 14.1 %
- Face Value ₹ 10.0
Pros
- Company's median sales growth is 25.4% of last 10 years
Cons
- Stock is trading at 3.27 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 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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
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: | 11% |
3 Years: | -6% |
1 Year: | 12% |
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% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
10h - Of Investor(s)/Analyst(s) Meet/Call Schedule to be held on May 26 and 27, 2025.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
14 May - Of Investor(s)/Analyst(s) Conference/Meet/Call Scheduled to be held on May 19, 20, 21, 22 & 23, 2025.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
8 May - Annual Secretarial Compliance Report confirms regulatory compliance for FY ended March 31, 2025.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
7 May - Of Investor(s)/Analyst(s) Conference/Meet/Call Scheduled to be held on May 13 & 14, 2025.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
2 May - Scheduled virtual one-on-one investor meeting on May 7, 2025; no unpublished info to be shared.
Annual reports
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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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
from bse
Concalls
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Apr 2025Transcript PPT
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Feb 2025Transcript PPT REC
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Nov 2024Transcript PPT REC
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Jul 2024TranscriptPPT
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Apr 2024Transcript PPT
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Apr 2024Transcript PPT REC
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Feb 2024Transcript PPT REC
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Nov 2023TranscriptPPTREC
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Oct 2023Transcript PPT
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Oct 2023TranscriptNotesPPT
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Aug 2023Transcript PPT REC
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May 2023Transcript PPT
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Oct 2022Transcript PPT
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Nov 2021Transcript PPT
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Aug 2021Transcript PPT
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May 2021Transcript PPT
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Feb 2021TranscriptPPT
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Jan 2021Transcript PPT
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Nov 2020Transcript PPT
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Aug 2020Transcript PPT
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May 2020Transcript PPT
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Jan 2020Transcript PPT
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Nov 2019Transcript PPT
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Aug 2019Transcript PPT
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May 2019Transcript PPT
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Feb 2019Transcript PPT
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Nov 2018Transcript PPT
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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]