AAVAS Financiers Ltd

About [ edit ]

AAVAS Financiers Limited (Formerly known as “Au HOUSING FINANCE LIMITED”) is primarily engaged in the business of providing housing loan to customers belonging to low and middle income segment in semi-urban and rural areas. #

Key Points [ edit ]
  • Market Cap 17,592 Cr.
  • Current Price 2,239
  • High / Low 2,425 / 846
  • Stock P/E 67.4
  • Book Value 283
  • Dividend Yield 0.00 %
  • ROCE 10.2 %
  • ROE 12.7 %
  • Face Value 10.0

Pros

Cons

  • Stock is trading at 7.91 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

Peer comparison

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
Revenue 147 164 195 204 198 231 239 234 234 270 310
Interest 58 63 63 72 80 83 95 97 112 114 117
45 42 48 53 51 50 59 66 54 67 78
Financing Profit 44 59 84 79 66 98 86 71 68 90 116
Financing Margin % 30% 36% 43% 39% 34% 42% 36% 30% 29% 33% 37%
Other Income 0 0 0 1 0 0 0 1 0 0 0
Depreciation 2 2 3 3 2 7 5 6 5 5 5
Profit before tax 43 57 81 77 64 91 80 66 63 84 110
Tax % 30% 38% 31% 29% 30% 16% 16% 10% 21% 22% 23%
Net Profit 30 35 56 54 45 76 68 60 50 66 85
EPS in Rs 4.25 4.79 7.21 6.96 5.81 9.73 8.67 7.63 6.38 8.43 10.90
Gross NPA %
Net NPA %
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 TTM
Revenue 494 710 903 1,048
Interest 193 255 356 440
162 188 226 264
Financing Profit 139 267 321 344
Financing Margin % 28% 38% 36% 33%
Other Income 1 1 1 1
Depreciation 6 10 20 21
Profit before tax 134 258 302 324
Tax % 31% 32% 18%
Net Profit 93 176 249 261
EPS in Rs 13.45 22.54 31.80 33.34
Dividend Payout % 0% 0% 0%
Compounded Sales Growth
10 Years:%
5 Years:%
3 Years:%
TTM:20%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:7%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:17%
Return on Equity
10 Years:%
5 Years:%
3 Years:%
Last Year:13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Sep 2020
69 78 78 78
Reserves 1,121 1,759 2,020 2,143
Borrowings 2,755 3,653 5,352 6,056
95 137 208 190
Total Liabilities 4,040 5,627 7,658 8,467
18 23 60 57
CWIP 0 0 1 0
Investments 0 0 0 0
4,022 5,604 7,597 8,410
Total Assets 4,040 5,627 7,658 8,467

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020
-933 -1,276 -1,172
-218 -327 -342
1,240 1,404 1,705
Net Cash Flow 90 -198 191

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020
ROE % 12% 13%

Shareholding Pattern

Numbers in percentages

Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
58.29 58.29 58.29 58.25 58.15 53.46 53.46 50.16 50.15
11.56 13.13 16.57 18.07 18.79 23.64 24.47 27.95 31.03
19.68 18.71 15.77 8.67 14.26 13.46 13.00 12.41 9.38
10.47 9.86 9.37 15.01 8.80 9.44 9.07 9.48 9.44

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