Aavas Financiers Ltd.

NSE: AAVAS BSE: 541988 SECTOR: Finance - Housing  48k   319   73

1913.75
-22.75 (-1.17%)
NSE: Today, 03:55 PM

Price Summary

Today's High

₹ 1952.75

Today's Low

₹ 1905.1

52 Week High

₹ 3340

52 Week Low

₹ 1815

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
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

15126.16 Cr.

Advances

9053.42 Cr.

No. of Shares

7.9 Cr.

P/E

37.74

P/B

4.99

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  383.53

Operating Revenue

1304.36 Cr.

Net Profit

356.8 Cr.

Promoter Holding

39.16 %

EPS (TTM)

₹  50.71

Sales Growth

18.24

ROE

13.83 %

ROCE

9.59%

Profit Growth

23.25 %

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

Your Added Ratios

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Index Presence

The company is present in 18 Indices.

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.
* 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 Year18.24%
3 Year22.48%
5 Year33.72%

Profit Growth

1 Year23.25%
3 Year26.58%
5 Year44.25%

ROE%

1 Year13.83%
3 Year13.17%
5 Year12.42%

ROCE %

1 Year9.59%
3 Year9.97%
5 Year10.28%

ROA%

3.57148668186077

PEG Ratio

1.67

PAT Margin (%)

27.3543730947058

EPS Growth(%)

22.5744518144494

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2022 39.16 0
Jun 2022 39.19 0
Mar 2022 39.2 0
Dec 2021 39.21 0
Sep 2021 39.22 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.60217263643684% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 22.4761510134155%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 24.2088771136093%.

 Limitations

  • The company is trading at 4.9897909724089 times the book value.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Operating Revenue 324.86 342.58 365.03 352.79 394.75
Other Income 0.6 0.29 0.22 0.09 0.33
Interest Expended 115.99 125.05 123.67 134.68 141.02
Operating Expenses 85.38 96.55 88.24 97.31 109.36
Total Provisions 0 0 0 0 0
Depreciation 5.77 5.74 7.25 6.23 6.92
Profit Before Tax 118.33 115.52 146.08 114.67 137.79
Tax 26.2 26.41 30.41 25.45 30.97
Net Profit 92.13 89.11 115.67 89.22 106.82

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 493.54 709.97 902.29 1103.17 1304.36
Other Income 0.91 1 0.8 2.16 1.2
Interest 196.18 259.11 359.7 462.6 481.83
Operating Expenses 160.37 183.5 222.67 247.68 339.82
Total Provisions 3.59 10.66 18.68 41.72 29.06
Exceptional Items 0 0 0 0 0
Profit Before Tax 134.31 257.69 302.05 353.33 454.86
Tax 41.21 81.78 52.93 63.83 98.06
Profit After Tax 93.09 175.91 249.12 289.5 356.8
Adjusted EPS (Rs.) 13.46 22.52 31.81 36.88 45.2

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 69.17 78.11 78.32 78.5 78.94
Total Reserves 1120.73 1758.85 2019.61 2322.9 2729.71
Borrowings 2193.09 2577.28 4233.8 4383.38 5693.09
Other N/C liabilities 14.78 47.9 41 56.44 68.45
Current liabilities 642.33 1164.68 1284.31 2118.82 2450.2
Total Liabilities 4040.1 5626.83 7657.05 8960.05 11020.38
Assets
Loans 3333.42 4724.49 6180.8 7523.29 9053.42
Net Block 18.43 22.82 59.89 58.26 66.16
Capital WIP 0 0 0.31 0 0
Intangible WIP 0.03 0.09 0.4 0.41 2.1
Investments 4.5 4.5 4.5 4.5 67.52
Other Loans 1.3 5.4 2.73 3.2 3.79
Other N/C Assets 0.2 0.22 0 0 0
Current Assets 682.23 869.31 1408.43 1370.4 1827.39
Total Assets 4040.1 5626.83 7657.05 8960.05 11020.38
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Promoters 39.22 39.21 39.20 39.19 39.16
lake district hold... 23.05 23.04 23.04 23.03 23.01
partners group esc... 11.24 11.24 11.23 11.23 11.22
partners group pri... 4.93 4.93 4.93 - 4.92
parnters group pri... - - - 4.93 -
PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Investors 60.78 60.79 60.80 60.81 60.84
smallcap world fun... 7.96 8.00 7.81 7.87 7.64
government of sing... 5.08 4.98 3.93 3.49 2.99
sushil kumar agarw... 3.48 3.48 3.48 3.48 3.34
uti flexi cap fund 2.58 2.68 2.77 2.79 3.01
nomura india inves... 2.47 2.42 2.42 2.34 2.25
sbi life insurance... 1.74 1.88 2.09 2.30 2.49
kotak funds - indi... 1.81 1.80 1.67 1.66 1.65
dsp equity & bond ... - - - - -
buena vista asian ... 1.14 1.14 - - -
tata aia life insu... 1.03 1.03 - - -
uti - equity fund - - - - -
ghanshyam rawat 1.08 1.08 1.08 1.08 1.10
abu dhabi investme... 1.19 1.19 - - -
abu dhabi investme... - - - - -
wasatch emerging i... - - 1.10 1.06 1.06
tata aia life insu... - - 1.03 - -
llp 0.08 0.08 0.06 0.06 -
foreign institutio... - - - - 0.04

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

AAVAS Financiers informs about audio recording of earnings conference call 22 Oct 2022, 11:45AM Aavas Financiers - Quaterly Results20 Oct 2022, 1:10PM Aavas Financiers - Quaterly Results20 Oct 2022, 1:10PM Aavas Financiers - Quaterly Results20 Oct 2022, 1:10PM AAVAS Financiers informs about board meeting intimation 10 Oct 2022, 4:52PM Aavas Financiers awarded Best NBFC for year 2020-21 1 Sep 2022, 4:57PM Aavas Financiers informs about analyst meet17 Aug 2022, 3:37PM Aavas Financiers - Quaterly Results28 Jul 2022, 3:11PM Aavas Financiers - Quaterly Results28 Jul 2022, 3:11PM Aavas Financiers - Quaterly Results28 Jul 2022, 3:11PM Aavas Financiers informs about voting result23 Jul 2022, 2:11PM Aavas Financiers informs about certificate12 Jul 2022, 4:42PM Aavas Financiers - Quaterly Results5 May 2022, 2:58PM Aavas Financiers - Quaterly Results5 May 2022, 2:58PM Aavas Financiers - Quaterly Results5 May 2022, 2:58PM Aavas Financiers informs about annual disclosure4 May 2022, 12:18PM Aavas Financiers informs about disclosure29 Apr 2022, 4:17PM Aavas Financiers to raise funds through NCDs25 Apr 2022, 5:58PM Aavas Financiers becomes Great Place to Work-Certified organization29 Mar 2022, 2:38PM AAVAS Financiers informs about allotment 25 Mar 2022, 5:04PM Aavas Financiers gets nod to raise Rs 100 crore via NCDs25 Mar 2022, 12:37PM Aavas Financiers raises Rs 360 crore through external commercial borrowing10 Mar 2022, 4:44PM Aavas Financiers planning to raise Rs 100 crore via NCDs3 Mar 2022, 10:28AM Aavas Financiers informs about analyst meet17 Feb 2022, 4:54PM Aavas Financiers informs about disclosure17 Feb 2022, 9:54AM AAVAS Financiers informs about investor presentation15 Feb 2022, 2:57PM Aavas Financiers - Quaterly Results3 Feb 2022, 1:13PM Aavas Financiers - Quaterly Results3 Feb 2022, 1:13PM Aavas Financiers - Quaterly Results3 Feb 2022, 1:13PM Aavas Financiers informs about conference call22 Jan 2022, 3:12PM Aavas Financiers informs about investor call2 Dec 2021, 12:28PM Aavas Financiers raises Rs 99 crore via NCDs26 Nov 2021, 4:35PM Aavas Financiers informs about analyst meet22 Nov 2021, 2:58PM Aavas Financiers informs about analyst meet9 Nov 2021, 3:57PM Aavas Financiers informs about postal ballot notice2 Nov 2021, 12:44PM Aavas Financiers informs about disclosure22 Sep 2021, 12:28PM Aavas Financiers informs about disclosure20 Sep 2021, 12:21PM Aavas Financiers informs about disclosure1 Sep 2021, 10:02AM Aavas Financiers informs about disclosures 24 Aug 2021, 4:17PM Aavas Financiers informs about disclosure24 Aug 2021, 3:01PM Aavas Financiers informs about disclosure23 Aug 2021, 10:20AM Aavas Financiers board approves grant of options under ESOP20 Aug 2021, 9:31AM Aavas Financiers informs about transcript of earning call5 Aug 2021, 3:22PM Aavas Financiers informs about analyst meet5 Aug 2021, 3:17PM Aavas Financiers informs about investor release29 Jul 2021, 4:31PM Avas Financiers informs about board meeting22 Apr 2021, 3:43PM Aavas Financiers informs about disclosure16 Apr 2021, 10:16AM Aavas Financiers to hold board meeting11 Jan 2021, 2:00PM Aavas Financiers to raise Rs 100 crore via bonds26 Dec 2020, 11:54AM Aavas Financiers informs about disclosure26 Nov 2020, 4:29PM

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.

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 356.7992 Cr and the compounded growth of profit in the past 3 years is 26.5828485548138 %. The PAT margin of Aavas Financiers is 27.3543730947058 %.

  • 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 22.5744518144494 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Aavas Financiers is at 13.8271963192293 % 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 1941.7. The stock is trading at a current P/E ratio of 56.7600573441178 and the average historical P/E for the last 5 years was 42.232084600591.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Aavas Financiers is trading at a P/B of 5.061 . The average historical P/B for the last 5 years was 4.93292236670144. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Aavas Financiers

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