Aavas Financiers
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Aavas Financiers share price

Aavas Financiers Ltd.

NSE: AAVAS BSE: 541988 SECTOR: Finance - Housing  215k   683   200

1824.10
+11.70 (0.65%)
NSE: Today, 09:34 AM

Price Summary

Today's High

₹ 1847.1

Today's Low

₹ 1812

52 Week High

₹ 2234

52 Week Low

₹ 1460.95

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 14438.42 Cr.

Advances

₹ 14004.37 Cr.

No. of Shares

7.92 Cr.

P/E

25.15

P/B

3.31

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  550.93

Operating Revenue

₹ 2017.5 Cr.

Net Profit

₹ 490.69 Cr.

Promoter Holding

26.47 %

EPS (TTM)

₹  72.53

Sales Growth

25.44

ROE

14.13 %

ROCE

9.96%

Profit Growth

14.1 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 17 Indices.

NIFTY500

Nifty 500
22198.8
  3.64999999999782 (0.0164450341628486%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
18405.7
  -3.84999999999854 (-0.0209130587113693%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
16668.35
  -0.700000000000728 (-0.00419939948588244%)

NIFTYSMALLCAP250

Nifty Smallcap 250
15524.75
  -3.54999999999927 (-0.0228614851593534%)

NIFTYCOREHSG

Nifty Core Housing
15474.2
  -32.4499999999989 (-0.209265057249619%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
15253.7
  0.700000000000728 (0.00458926112896219%)

NFT500EQUAL

Nifty 500 Equal Weight
13134.6
  -0.399999999999636 (-0.00304529881994808%)

NIFTYTOTALMCAP

Nifty Total Market index
12460.2
  0.600000000000364 (0.00481556390252713%)

SMLCAP

S&P Bse Small Cap
47885.18
  -64.5999999999985 (-0.134724288620303%)

BSE500

S&P Bse 500
34929.86
  11.1500000000015 (0.0319313055952009%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
12414.1
  73.2299999999996 (0.593394144821224%)

FIN

S&P Bse Finance
12120.61
  -31.8199999999997 (-0.261840635988031%)

MSL400

S&P Bse 400 MidSmallCap
11190.47
  -6.82999999999993 (-0.0609968474542977%)

BSE1000

Bse 1000
10362.44
  1.57999999999993 (0.0152496993492734%)

ALLCAP

S&P Bse Allcap
10130.99
  38.3799999999992 (0.380278243189802%)

SML250

S&P Bse 250 SmallCap
6224.32
  -4.28999999999996 (-0.0688757202650381%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1504.66
  -3.51999999999998 (-0.233393891975753%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year25.44%
3 Year22.29%
5 Year23.23%

Profit Growth

1 Year14.1%
3 Year19.23%
5 Year22.77%

ROE%

1 Year14.13%
3 Year14.09%
5 Year13.59%

ROCE %

1 Year9.96%
3 Year9.69%
5 Year9.86%

ROA%

3.2789

PEG Ratio

1.8

PAT Margin (%)

24.3219

EPS Growth(%)

13.9764

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 26.47 0.00
Dec 2024 26.47 0.00
Sep 2024 26.47 0.00
Jun 2024 26.47 0.00
Mar 2024 26.47 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.45702889395359% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 22.2893847754413%.
  • The company has delivered substantial profit growth of 19.2311828518125% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 23.0132698176883%.

 Limitations

  • Promoters shareholding is low at 26.47%.
  • Provision and contingencies have increased by 65.6369206443324%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Operating Revenue 546.02 542.39 579.16 596.74 636.21
Other Income 0.78 0.17 1.29 1.18 1.28
Interest Expended 221.56 235.17 248.85 258.71 264.74
Operating Expenses 138.65 137.93 132.65 141.59 169.74
Total Provisions 0 0 0 0 0
Depreciation 9.1 8.51 8.93 9.22 9.79
Profit Before Tax 177.49 160.95 190.02 188.4 193.22
Tax 34.88 34.85 42.12 41.97 39.55
Net Profit 142.62 126.1 147.91 146.42 153.68
Adjusted EPS (RS) 18.02 15.93 18.69 18.5 19.42

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 902.29 1103.17 1304.36 1608.3 2017.5
Other Income 0.8 2.16 1.2 2.25 2.8
Interest 357.06 459.58 479.02 592.93 830.16
Operating Expenses 225.31 250.7 342.63 448.39 532.16
Total Provisions 18.68 41.72 29.06 20.24 33.52
Exceptional Items 0 0 0 0 0
Profit Before Tax 302.05 353.33 454.86 549 624.45
Tax 52.93 63.83 98.06 118.92 133.76
Profit After Tax 249.12 289.5 356.8 430.07 490.69
Adjusted EPS (Rs.) 31.81 36.88 45.2 54.4 62

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 78.32 78.5 78.94 79.06 79.14
Total Reserves 2019.61 2322.9 2729.71 3190.6 3694.18
Borrowings 4233.8 4383.38 5693.09 7151.78 8770.42
Other N/C liabilities 41 56.44 68.45 92.59 123.14
Current liabilities 1284.31 2118.82 2450.2 2896.51 3852.58
Total Liabilities 7657.05 8960.05 11020.38 13410.53 16519.45
Assets
Loans 6180.8 7523.29 9053.42 11476.27 14004.37
Net Block 59.89 58.26 66.16 78.37 116
Capital WIP 0.31 0 0 0 0
Intangible WIP 0.4 0.41 2.1 20.37 11.21
Investments 4.5 4.5 67.52 123.08 182.16
Other Loans 2.73 3.2 3.79 4.9 5.29
Other N/C Assets 17.05 18.4 23.39 12.5 1.91
Current Assets 1391.37 1352.01 1804 1695.04 2198.53
Total Assets 7657.05 8960.05 11020.38 13410.53 16519.45
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 26.47 26.47 26.47 26.47 26.47
lake district holdings li... 15.60 15.60 15.60 15.60 15.60
partners group escl limit... 7.55 7.55 7.55 7.55 7.55
partners group private eq... 3.32 3.32 3.32 3.32 3.31
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 73.53 73.53 73.53 73.53 73.53
360 one focused equity fu... 1.25 1.46 1.47 1.40 1.35
abu dhabi investment auth... 2.50 - 2.07 2.12 1.40
aquilo house pte. ltd. - - - - 22.50
axis max life insurance l... - - - - 1.07
first sentier investors i... - - 1.09 1.02 1.02
first sentier investors i... 1.27 - 1.22 1.22 1.24
first sentier investors i... 2.15 - 2.59 2.36 2.13
government pension fund g... 2.03 2.59 2.53 2.52 2.17
ishana capital master fun... 1.25 1.25 1.25 1.25 1.26
llp 0.05 0.03 0.03 0.06 0.03
nippon life india trustee... - - - 3.75 3.19
smallcap world fund, inc 1.92 - 2.48 2.48 2.48
uti-flexi cap fund - - - - 2.54
hdfc mutual fund - hdfc b... - - 1.66 1.67 -
sbi small cap fund 8.86 8.53 8.66 8.59 -
sundaram mutual fund a/c ... 1.56 1.56 1.56 1.56 -
tata mid cap growth fund - - 1.08 1.08 -
uti flexi cap fund 3.06 2.82 2.84 2.84 -
nippon life india trustee... - - 3.75 - -
abu dhabi investment auth... - 2.47 - - -
amansa holdings private l... 3.10 3.16 - - -
blacrock global funds-ind... - 1.17 - - -
first sentier investors ... - 2.16 - - -
first seniter investors i... - 1.22 - - -
hdfc mutual fund- hdfc ba... - 1.65 - - -
kotak small cap fund - 1.20 - - -
nippon life india trustee... - 1.47 - - -
blackrock global funds - ... 1.19 - - - -
bnp paribas financial mar... 1.33 - - - -
hdfc mutual fund - hdfc m... 1.26 - - - -
kotak mahindra trustee co... 2.19 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Aavas Financiers raises Rs 200 crore through NCDs 28 Apr, 2:50 PM AAVAS Financiers submits intimation of ESG rating 26 Apr, 4:36 PM Aavas Financiers - Quaterly Results 24 Apr, 4:38 PM Aavas Financiers - Quaterly Results 24 Apr, 4:38 PM Aavas Financiers - Quaterly Results 24 Apr, 4:38 PM Aavas Financiers informs about outcome of executive committee meeting 16 Apr, 11:47 AM AAVAS Financiers informs about trading window closure 25 Mar, 5:11 PM AAVAS Financiers informs about disclosure 22 Mar, 11:08 AM AAVAS Financiers informs about press release 21 Mar, 2:51 PM AAVAS Financiers informs about disclosure 31 Jan, 4:54 PM Aavas Financiers - Quaterly Results 30 Jan, 3:56 PM Aavas Financiers - Quaterly Results 30 Jan, 3:56 PM Aavas Financiers - Quaterly Results 30 Jan, 3:56 PM Aavas Financiers informs about grant of stock options allotment of equity shares 30 Jan, 12:43 PM Aavas Financiers informs about change in name of RTA 1 Jan, 5:23 PM Aavas Financiers informs about investor presentation 7 Nov, 5:31 PM Aavas Financiers - Quaterly Results 7 Nov, 3:24 PM Aavas Financiers - Quaterly Results 7 Nov, 3:24 PM Aavas Financiers - Quaterly Results 7 Nov, 3:24 PM CCI approves acquisition of Aavas Financiers by Aquilo House 23 Oct, 12:42 PM Aavas Financiers informs about issuance of NCDs 16 Sep, 11:09 AM Aavas Financiers informs about updates on open offer 20 Aug, 2:43 PM Aavas Financiers informs about newspaper clippings 26 Jul, 5:18 PM Aavas Financiers - Quaterly Results 25 Jul, 3:19 PM Aavas Financiers - Quaterly Results 25 Jul, 3:19 PM Aavas Financiers - Quaterly Results 25 Jul, 3:19 PM AAVAS Financiers informs about credit rating 22 Jun, 4:36 PM Aavas Financiers informs about transcript of conference call 30 Apr, 12:47 PM Aavas Financiers - Quaterly Results 25 Apr, 3:35 PM Aavas Financiers - Quaterly Results 25 Apr, 3:35 PM Aavas Financiers - Quaterly Results 25 Apr, 3:35 PM Capital Group sells shares worth Rs 143 crore of Aavas Financiers 5 Apr, 12:20 PM AAVAS Financiers informs about updates 21 Mar, 4:52 PM Aavas Financiers informs about analyst meet 18 Mar, 4:55 PM AAVAS Financiers informs about disclosure 7 Mar, 10:11 AM Aavas Financiers - Quaterly Results 1 Feb, 4:40 PM Aavas Financiers - Quaterly Results 1 Feb, 4:40 PM Aavas Financiers - Quaterly Results 1 Feb, 4:40 PM AAVAS Financiers informs about disclosure 27 Jan, 11:47 AM Aavas Financiers gets nod to raise Rs 650 crore via NCDs 22 Dec, 3:10 PM Aavas Financiers receives award in Silver Category at ‘3rd ICAI Sustainability Reporting Awards 2022-23’ 22 Dec, 12:11 PM Aavas Financiers informs about analyst meet 14 Dec, 5:13 PM Aavas Financiers - Quaterly Results 26 Oct, 4:14 PM Aavas Financiers - Quaterly Results 26 Oct, 4:14 PM Aavas Financiers - Quaterly Results 26 Oct, 4:14 PM AAVAS Financiers informs about analyst meet 18 Sep, 5:03 PM Aavas Financiers informs about analyst call 11 Aug, 5:06 PM Aavas Financiers - Quaterly Results 3 Aug, 2:26 PM Aavas Financiers - Quaterly Results 3 Aug, 2:26 PM Aavas Financiers - Quaterly Results 3 Aug, 2:26 PM

Aavas Financiers Stock Price Analysis and Quick Research Report. Is Aavas Financiers an attractive stock to invest in?

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

Aavas Financiers stock price today is Rs 1824.1. To understand the functions of the Aavas Financiers better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 490.6942 Cr and the compounded growth of profit in the past 3 years is 19.2309731313385 %. The PAT margin of Aavas Financiers is 24.3219 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Aavas Financiers , the EPS grew by 13.9764 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Aavas Financiers has a average ROE track record. The ROE of Aavas Financiers is at 14.1263 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Aavas Financiers is worth at the current levels at Rs 1824.1. Aavas Financiers is trading at a current P/E ratio of 21.2198 and the average historical P/E for the last 5 years was 42.0715821715532.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Aavas Financiers is trading at a P/B of 3.2918 . The average historical P/B for the last 5 years was 5.28851122944055. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Aavas Financiers is Rs 1824.1. One can use valuation calculators of ticker to know if Aavas Financiers share price is undervalued or overvalued.

Last Updated on:
Brief about Aavas Financiers

Aavas Financiers Ltd Financials: Check Share price, Balance Sheet, Annual report and Quarterly Results for company analysis 

 

Aavas Financiers Ltd. is a housing finance company that provides retail home loans to low and middle-income customers in semi-urban and rural areas of India. Established in 2012, the company has grown rapidly and has established itself as a leading player in the affordable housing finance segment. In this stock analysis page, we will analyze the different aspects of Aavas Financiers Ltd., including its share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall, transcripts, investor presentations, promoters, and shareholders.

Aavas Financiers Ltd Share Price

Aavas Financiers Ltd.'s share price reflects investors' confidence in the company's financial performance and growth prospects. As a long-term stock investor, the share price is a crucial metric to consider when making investment decisions. At Ticker, you can find the latest share price of Aavas Financiers Ltd. using ticker pre-built screening tools.

Aavas Financiers Ltd Balance Sheet

Aavas Financiers Ltd.'s balance sheet provides essential insights into the company's financial health. The balance sheet contains information about the company's assets, liabilities, and shareholders' equity. As a long-term stock investor, analyzing the balance sheet is vital to gaining a deeper understanding of the company's operations and evaluating its future growth prospects.

At Ticker, we offer downloadable copies of Aavas Financiers Ltd.'s annual reports, which provide detailed information about the company's financial performance. Our premium features, including DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis, can assist you in evaluating the fair value of the company based on its balance sheet.

Aavas Financiers Ltd Annual Report

The annual report of Aavas Financiers Ltd. offers an in-depth analysis of the company's financial performance, business objectives, and future strategies. For long-term stock investors, studying the annual report can provide valuable insights into the company's growth potential and investment opportunities. Ticker provides downloadable copies of the company's annual reports, allowing you to stay informed about the latest developments.

Aavas Financiers Ltd Dividend

For investors seeking income from their investments, Aavas Financiers Ltd. offers dividends on its shares. Dividends are a distribution of a portion of the company's profits to its shareholders. By referring to Ticker, you can stay updated on the latest dividend announcements and payment dates.

Aavas Financiers Ltd Quarterly Result

Monitoring the quarterly results of Aavas Financiers Ltd. is crucial to track the company's performance over shorter time periods. By evaluating the quarterly results, investors can assess the company's revenue growth, profitability, and other key financial metrics. Ticker provides downloadable copies of Aavas Financiers Ltd.'s quarterly results, enabling you to remain informed about the latest developments.

Aavas Financiers Ltd Stock Price

The stock price of Aavas Financiers Ltd. varies in response to various factors, including market conditions, company performance, and investor sentiment. Staying updated with the latest stock prices and tracking price movements is vital for long-term stock investors. At Ticker, we provide regular updates on the stock price of Aavas Financiers Ltd. and offer a price chart feature to assist you in making investment decisions.

Aavas Financiers Ltd Price Chart

A price chart is a graphical representation of a stock's price movements over a specific time period. At Ticker, we offer a price chart feature that allows long-term stock investors to track the price movements of Aavas Financiers Ltd. and gain insights into trends and patterns that could impact future price performance.

Aavas Financiers Ltd News

Being updated on the latest news and developments is crucial for long-term stock investors. At Ticker, we aggregate news articles from reliable sources, keeping you informed on key developments that could impact Aavas Financiers Ltd.'s stock price and financial performance.

Aavas Financiers Ltd Concall Transcripts

Concall transcripts are records of the conference calls held between Aavas Financiers Ltd.'s management and analysts or investors. These transcripts contain discussions on various aspects of the company's business, including financial performance, growth strategies, and market outlook. By accessing the concall transcripts on Ticker, you can gain valuable insights into the management's perspective on key issues.

Aavas Financiers Ltd Investor Presentations

Investor presentations offer a comprehensive overview of Aavas Financiers Ltd.'s business model, financial performance, and growth prospects. These presentations are typically used by the company to communicate with investors and analysts. Access the latest investor presentations on Ticker to understand the company's operations in detail.

Aavas Financiers Ltd Promoters

Aavas Financiers Ltd.'s promoter group plays a critical role in driving the company's growth and success. Understanding the track record and experience of the company's promoters is essential for long-term stock investors. Ticker provides information about Aavas Financiers Ltd.'s promoters, giving you insights into their expertise within the housing finance industry.

Aavas Financiers Ltd Shareholders

Analyzing the ownership structure of Aavas Financiers Ltd. is vital for investors. By studying the shareholder structure, investors can gain insights into the stability of the investor base and the level of institutional ownership. Ticker provides information about the major shareholders and their holdings in Aavas Financiers Ltd.

Aavas Financiers Ltd ROCE

Return on Capital Employed (ROCE) is a measure of a company's profitability in relation to the capital it has invested in its operations. This ratio indicates the efficiency and profitability of a company's capital investments. You can find the ROCE data for Aavas Financiers Ltd in the financials table or ratio section on this page.

Aavas Financiers Ltd EBITDA

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) represents a company's operating performance. It provides insight into the company's profitability from its core operations. You can access Aavas Financiers Ltd's EBITDA data directly on this page in the financials table or ratio section.

Aavas Financiers Ltd DPS

Dividends Per Share (DPS) is a measure of the total dividends declared by a company for every outstanding share. It reflects the company's policy regarding sharing profits with its shareholders. You can obtain Aavas Financiers Ltd's DPS data in the financials table or ratio section available on this page.

Aavas Financiers Ltd EPS

Earnings Per Share (EPS) is a company's net profit divided by its total outstanding shares. This ratio illustrates the company's profitability on a per-share basis. For Aavas Financiers Ltd's EPS data, refer to the financials table or ratio section provided on this page. 

Aavas Financiers Balance Sheet Overview

Analyzing the financial stability and growth trajectory of Aavas Financiers through its balance sheet from March 2020 to March 2024 provides insightful data into the company's operational efficiency and financial health.

Aavas Financiers Equity and Liabilities

A noticeable increment in share capital from Rs 78.32 Cr in Mar 2020 to Rs 79.14 Cr in Mar 2024 illustrates a stable increase in equity. More prominently, total reserves surged significantly from Rs 2,019.61 Cr to Rs 3,694.18 Cr, indicating robust internal growth. The borrowings of Aavas Financiers have also seen a steep rise from Rs 4,233.80 Cr to Rs 8,770.42 Cr, pointing towards aggressive expansion and investment strategies.

Aavas Financiers Assets Analysis

The company's loans portfolio expanded from Rs 6,180.80 Cr to Rs 14,004.37 Cr, reflecting aggressive lending growth. Additionally, investments increased from Rs 4.50 Cr to Rs 182.16 Cr, showcasing a diversified investment strategy which may hedge against lending risks.

Aavas Financiers Current Liabilities and Assets

Current liabilities have almost tripled from Rs 1,284.31 Cr to Rs 3,852.58 Cr, necessitating a close watch on short-term obligations. Conversely, current assets grew from Rs 1,391.37 Cr to Rs 2,198.53 Cr, indicating a stable capacity to cover short-term liabilities.

This data is an analysis for the Standalone Balance Sheet of Aavas Financiers.

Investors keeping an eye on the NSE BSE indices might find Aavas Financiers' financial growth patterns especially noteworthy while considering sector-specific investments.

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