Aavas Financiers
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Aavas Financiers share price

Aavas Financiers Ltd.

NSE: AAVAS BSE: 541988 SECTOR: Finance - Housing  195k   603   137

1664.15
-6.25 (-0.37%)
BSE: Today, 04:00 PM

Price Summary

Today's High

₹ 1676.35

Today's Low

₹ 1649

52 Week High

₹ 1978.25

52 Week Low

₹ 1307.1

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

₹ 13170.71 Cr.

Advances

₹ 14004.37 Cr.

No. of Shares

7.91 Cr.

P/E

24.7

P/B

3.25

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  511.52

Operating Revenue

₹ 2017.5 Cr.

Net Profit

₹ 490.69 Cr.

Promoter Holding

26.47 %

EPS (TTM)

₹  67.38

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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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

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* 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

1.77

PAT Margin (%)

24.3219

EPS Growth(%)

13.9764

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 26.47 0.00
Jun 2024 26.47 0.00
Mar 2024 26.47 0.00
Dec 2023 39.10 0.00
Sep 2023 39.11 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

  • Provision and contingencies have increased by 65.6369206443324%.
  • Promoter holding has decreased from 39.11% to 26.47%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 496.66 508.01 546.02 542.39 579.16
Other Income 0.78 1.19 0.78 0.17 1.29
Interest Expended 203.6 216.57 221.56 235.17 248.85
Operating Expenses 129.68 134.24 138.65 137.93 132.65
Total Provisions 0 0 0 0 0
Depreciation 7.63 8.66 9.1 8.51 8.93
Profit Before Tax 156.54 149.74 177.49 160.95 190.02
Tax 34.82 33.09 34.88 34.85 42.12
Net Profit 121.72 116.65 142.62 126.1 147.91
Adjusted EPS (RS) 15.38 14.74 18.02 15.93 18.69

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 Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 39.11 39.10 26.47 26.47 26.47
lake district holdings li... 22.98 22.98 15.60 15.60 15.60
partners group escl limit... 11.21 11.21 7.55 7.55 7.55
partners group private eq... 4.92 4.92 3.32 3.32 3.32
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 60.89 60.90 73.53 73.53 73.53
360 one focused equity fu... - 1.20 1.25 1.46 1.47
abu dhabi investment auth... 2.24 2.53 2.50 - 2.07
first sentier investors i... - - - - 1.09
first sentier investors i... - - 1.27 - 1.22
first sentier investors i... 2.15 2.15 2.15 - 2.59
government pension fund g... 1.74 1.95 2.03 2.59 2.53
hdfc mutual fund - hdfc b... - - - - 1.66
ishana capital master fun... - - 1.25 1.25 1.25
llp 0.04 0.05 0.05 0.03 0.03
nippon life india trustee... - - - - 3.75
sbi small cap fund - - 8.86 8.53 8.66
smallcap world fund, inc 1.25 1.92 1.92 - 2.48
sundaram mutual fund a/c ... 1.64 1.51 1.56 1.56 1.56
tata mid cap growth fund - - - - 1.08
uti flexi cap fund 3.09 3.02 3.06 2.82 2.84
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 2.06 2.06 - 1.20 -
nippon life india trustee... - - - 1.47 -
blackrock global funds - ... - - 1.19 - -
bnp paribas financial mar... - - 1.33 - -
hdfc mutual fund - hdfc m... - 1.07 1.26 - -
kotak mahindra trustee co... - - 2.19 - -
bofa securities europe sa... 1.76 1.76 - - -
invesco india equity savi... 1.17 1.19 - - -
kotak funds - india midca... 1.10 1.10 - - -
nomura india investment f... 1.63 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 raises Rs 150 crore via NCDs 21 Jul, 9:58 AM Aavas Financiers informs about analyst meet 30 Jun, 12:20 PM AAVAS Financiers informs about trading window closure 28 Jun, 2:46 PM SmallCap World Fund sells stake of Aavas Financiers for Rs 111 crore 27 Jun, 11:29 AM Aavas Financiers informs about investor meeting 20 Jun, 11:14 AM SmallCap World Fund divests 1.6% stake in Aavas Financiers for Rs 173 crore 15 Jun, 10:41 AM Aavas Financiers informs about analyst meet 16 May, 10:35 AM AAVAS Financiers submits disclosure 13 May, 3:11 PM Aavas Financiers informs about analyst meet 12 May, 2:53 PM Aavas Financiers informs about investor meet 10 May, 12:20 PM Aavas Financiers informs about outcome of analyst meet 5 May, 9:47 AM AAVAS Financiers informs about RPT transactions 4 May, 12:38 PM Aavas Financiers informs about analyst meet 4 May, 9:44 AM Aavas Financiers - Quaterly Results 3 May, 8:43 PM Aavas Financiers - Quaterly Results 3 May, 8:43 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 1663.45. 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 1663.45. 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 3.2533 . 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 1663.45. 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
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