AAVAS Financiers Ltd

541988

Summary

Fair Value Assessment
Undervalued (13% Discount)
Fair ValueQ2,128.53UncertaintyHigh
Close Price1,846.15Jul 25, 2025
Market Closed
1,846.15
Price Down by 23.10 | 1.24 %
Previous Close
1,846.15
Day Range
1,826.00 – 1,878.55
Year Range
1,604.20 – 2,238.35
Bid / Ask
Market Cap
146.1 Bil
Volume / Average
1.9 k / 10.7 k
Beta (5-Year)
Shares Outstanding
79.16 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
AAVAS Financiers Ltd is a housing finance company. The company provides housing loans to customers belonging to the low and middle-income and self-employed segments in suburban and rural India. Its only operating segment is Lending to borrowers. The company's product portfolio includes home loans, land purchases and construction, home improvement loans, home equity, micro, small, and medium enterprise loan, and others. It offers customers loans for the purchase or construction of residential properties and the extension and repair of existing housing units.
Contact
Mansarover Industrial Area 201-202, 2nd Floor, Southend Square, Jaipur, RJ 302020
T +91 1414659239
www.aavas.in opens in a new tab
Sector
Financial Services
Industry
Mortgage Finance
Most Recent Earnings
Mar 31, 2025
Fiscal Year End
Mar 31, 2025
Employees
8,545

Key Metrics

Key-Metrics - Financial Summary shows the income statement, balance sheet , cash flow statement data - 5 year and 10 year of the company stock.
Income Statement (in Bil, except ratios)
03/31/2025
03/2025
03/2024
03/2023
03/2022
03/2021
Revenue
21.25 21.25 16.80 13.56 11.11 9.36
Revenue Growth %
16.68% 16.68% 23.94% 22.04% 18.68% 21.55%
Gross Profit
7.32 7.32 5.24 4.94 4.30 3.22
Gross Profit Margin %
34.43% 34.43% 31.19% 36.47% 38.71% 34.38%
Operating Income
5.27 5.27 3.16 3.12 2.85 2.24
Operating Margin %
24.77% 24.77% 18.78% 22.98% 25.67% 23.89%
EBIT
7.33 7.33 4.89 4.61 3.92 2.78
EBIT Margin %
34.47% 34.47% 29.11% 33.97% 35.25% 29.65%
EBITDA
7.69 7.69 5.22 4.89 4.15 2.98
EBITDA Margin %
36.19% 36.19% 31.05% 36.09% 37.39% 31.86%
Net Income
5.74 5.74 4.91 4.30 3.55 2.89
Net Profit Margin %
27.01% 27.01% 29.21% 31.70% 31.98% 30.87%
Basic EPS
72.54 72.54 62.03 54.38 45.10 36.86
Diluted EPS
71.97 71.97 61.93 54.26 44.81 36.54
Normalized EPS
73.45 73.45 62.84 55.78 46.50 36.29
Total Dividends per Share
Key-Metrics - Financial Summary shows the income statement, balance sheet , cash flow statement data - 5 year and 10 year of the company stock.
Balance Sheet (in Bil, except ratios)
03/31/2025
03/2025
03/2024
03/2023
03/2022
03/2021
Total Assets
186.18 186.18 165.19 134.10 110.17 89.59
Total Liabilities
142.58 142.58 127.46 101.40 82.11 65.58
Total Debt
139.18 139.18 123.98 98.87 80.12 63.78
Total Equity
43.61 43.61 37.73 32.70 28.06 24.01
Cash And Cash Equivalents
0.11 0.11 0.21 1.78 0.48 0.22
Working Capital
177.97 177.97 15.94 15.68 18.43 13.70
Shares Outstanding (Mil)
Book Value Per Share
550.93 550.93 470.28 408.00 351.64 303.51
Total Debt To Equity
3.19 3.19 3.29 3.02 2.85 2.66
Key-Metrics - Financial Summary shows the income statement, balance sheet , cash flow statement data - 5 year and 10 year of the company stock.
Cash Flow Statement (in Bil, except ratios)
03/31/2025
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
-16.60 -19.87 -19.15 -11.35 -10.71 -11.72
Cash From Investing Activities
1.76 -6.47 1.86 -4.63 -2.65 -3.42
Cash From Financing Activities
14.75 24.77 18.58 16.23 10.08 17.05
Capital Expenditures
0.30 0.33 0.39 0.16 0.08 0.20
Free Cash Flow
5.72 4.67 4.37 3.86 3.40 2.41
Change in Cash
-0.09 -1.56 1.30 0.26 -3.28 1.91

Profile

Executives shows executive data in a table format includes information on Key Executives, Board of Directors.
Name (Age)
5-Year Trend
2021
2022
2023
2024
2025
Sachinderpalsingh Jitendrasingh Bhinder (52) Director, Chief Executive Officer and Managing Director
Total Compensation for all Key Executives
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
Oops!
Something went wrong.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
Oops!
Something went wrong.

Ownership

Ownership lists the Fund owners and Intitutional owners of the stock.
Name
Morningstar
Rating
% Total
Shares Held
% Total
Assets
Trend
Prev. 8 Qtrs
Current Shares
Change Amount
Change %
Date
American Funds SMALLCAP World A 2.48 0.06 1,964,024
0
0.00%
Jun 30, 2025
Stewart Inv Indian Sbctnt AllCap A GBP 2.13 5.24 1,689,773
0
0.00%
Jun 30, 2025
UTI Flexi Cap Reg Gr 1.57 0.99 1,244,241
0
0.00%
Jun 30, 2025
Nippon India Small Cap Gr 1.41 0.35 1,113,911
0
0.00%
Jun 30, 2025
Stewart Inv Glbl EM All Capnby B GBP Acc 1.24 2.89 978,972
0
0.00%
Jun 30, 2025
Total (for Top 5) 8.83 6,990,921
0

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