AAVAS Financiers Ltd

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

AAVAS Financiers Ltd

₹ 1,369 -1.74%
27 May - 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 ₹ 10,854 Cr.
  • Current Price ₹ 1,369
  • High / Low ₹ 2,153 / 1,050
  • Stock P/E 16.6
  • Book Value ₹ 637
  • Dividend Yield 0.00 %
  • ROCE 9.92 %
  • ROE 13.9 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 14.0% over last 3 years.
  • Company might be capitalizing the interest cost

* 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 Financial Services BSE 250 SmallCap Index BSE 400 MidSmallCap Index

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
450 467 497 508 546 542 579 597 636 628 667 674 715
Interest 165 187 204 217 222 235 249 259 265 271 276 274 273
118 132 130 134 139 138 133 142 170 168 170 170 199
Financing Profit 167 148 163 157 186 169 198 196 202 188 222 230 243
Financing Margin % 37% 32% 33% 31% 34% 31% 34% 33% 32% 30% 33% 34% 34%
1 0 1 1 1 0 1 1 1 0 0 0 0
Depreciation 9 7 8 9 9 9 9 9 10 9 11 11 12
Profit before tax 159 141 157 150 177 161 190 188 193 179 211 219 231
Tax % 20% 22% 22% 22% 20% 22% 22% 22% 20% 22% 22% 22% 21%
127 110 122 117 143 126 148 146 154 139 164 170 182
EPS in Rs 16.03 13.87 15.38 14.74 18.02 15.93 18.69 18.50 19.42 17.59 20.71 21.48 22.91
Gross NPA % 0.92% 1.00% 1.04% 1.09% 0.94% 1.01% 1.08% 1.14% 1.08% 1.22% 1.24% 1.19%
Net NPA % 0.68% 0.73% 0.76% 0.79% 0.67% 0.72% 0.78% 0.81% 0.73% 0.84% 0.85% 0.79%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
104 191 305 494 710 902 1,103 1,304 1,608 2,018 2,355 2,683
Interest 53 97 143 193 255 356 458 478 591 828 1,007 1,095
21 43 72 161 188 225 273 349 441 535 582 706
Financing Profit 30 51 90 139 266 321 372 477 576 654 765 882
Financing Margin % 29% 27% 29% 28% 38% 36% 34% 37% 36% 32% 32% 33%
0 0 0 1 1 1 2 1 2 3 4 1
Depreciation 1 1 3 6 10 20 21 24 29 33 36 43
Profit before tax 29 50 88 134 258 302 353 455 549 624 733 840
Tax % 34% 34% 35% 31% 32% 18% 18% 22% 22% 21% 22% 22%
19 33 57 93 176 249 290 357 430 491 574 655
EPS in Rs 5.80 8.54 9.82 13.46 22.52 31.81 36.88 45.20 54.40 62.00 72.53 82.60
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 30%
5 Years: 19%
3 Years: 19%
TTM: 14%
Compounded Profit Growth
10 Years: 35%
5 Years: 18%
3 Years: 15%
TTM: 14%
Stock Price CAGR
10 Years: %
5 Years: -10%
3 Years: -1%
1 Year: -24%
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 14%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 33 38 58 69 78 78 78 79 79 79 79 79
Reserves 69 165 508 1,121 1,759 2,020 2,323 2,730 3,191 3,694 4,282 4,972
Borrowing 704 1,447 1,793 2,755 3,653 5,382 6,378 8,012 9,887 12,412 13,918 15,686
47 60 91 95 137 177 181 200 254 334 339 476
Total Liabilities 852 1,711 2,451 4,040 5,627 7,657 8,960 11,020 13,411 16,519 18,618 21,212
5 6 10 18 23 60 58 66 78 116 134 178
CWIP 0 0 0 0 0 1 0 2 20 11 10 0
Investments 0 0 1 4 4 4 4 68 123 182 230 271
847 1,705 2,440 4,017 5,599 7,592 8,897 10,885 13,189 16,210 18,244 20,764
Total Assets 852 1,711 2,451 4,040 5,627 7,657 8,960 11,020 13,411 16,519 18,618 21,212

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-591 -591 -933 -1,276 -1,172 -1,071 -1,136 -1,920 -2,001 -1,660 -1,386
-1 -15 -218 -327 -342 -265 -467 196 -646 176 -117
816 640 1,240 1,404 1,705 1,008 1,623 1,858 2,491 1,475 1,720
Net Cash Flow 224 34 90 -199 191 -328 20 134 -156 -9 217
Free Cash Flow -592 -598 -947 -1,290 -1,192 -1,079 -1,151 -1,958 -2,032 -1,688 -1,418
CFO/OP -390% -243% -268% -232% -164% -122% -111% -157% -126% -86% -62%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 24% 21% 15% 11% 12% 13% 13% 14% 14% 14% 14% 14%

Insights

In beta
Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM)
INR Bn

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Number of Branches
Absolute
Gross Stage 3 (GNPA)
%
Disbursements
INR Bn
Average Ticket Size (AUM)
INR Mn

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Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
39.13% 39.11% 39.10% 26.47% 26.47% 26.47% 26.47% 26.47% 48.96% 48.96% 48.95% 48.88%
35.01% 35.49% 32.32% 34.80% 35.88% 35.50% 33.97% 29.67% 29.77% 25.88% 24.72% 16.74%
14.34% 14.13% 15.29% 23.99% 24.39% 25.55% 25.69% 10.75% 11.52% 14.13% 14.30% 22.14%
11.51% 11.24% 13.29% 14.76% 13.26% 12.49% 13.87% 33.11% 9.75% 11.02% 12.04% 12.24%
No. of Shareholders 94,7881,07,7181,32,6441,51,6801,44,3951,44,4521,47,8941,32,7921,21,8621,22,0521,20,6951,17,980

* 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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Documents

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Annual reports

DRHP

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