AAVAS Financiers Ltd
- Market Cap ₹ 15,511 Cr.
- Current Price ₹ 1,963
- High / Low ₹ 2,238 / 1,603
- Stock P/E 27.0
- 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 3.57 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
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
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: | 8% |
3 Years: | 0% |
1 Year: | 9% |
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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Disclosure Under Regulation 30 Of SEBI (LODR), Regulations, 2015- Intimation Of ESG Rating By NSE Sustainability Ratings & Analytics Limited.
4h - NSE Sustainability assigned ESG rating of 67 to Aavas Financiers based on FY24 data.
- Disclosures of reasons for encumbrance by promoter of listed companies under Reg. 31(1) read with Regulation 28(3) of SEBI (SAST) Regulations, 2011. 1d
- Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations, 2011. 1d
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 2 Jul
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Announcement under Regulation 30 (LODR)-Change in Management
2 Jul - Chief Collection Officer Surendra Kumar Sihag resigns effective July 2, 2025, due to personal reasons.
Annual reports
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Financial Year 2024
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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
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Concalls
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Apr 2025Transcript 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]