AAVAS Financiers Ltd

541988

Summary

Fair Value Assessment
Fairly Valued
Fair ValueQ1,913.70UncertaintyHigh
Close Price2,010.05Mar 26, 2025
Market Closed
2,010.05
Price Up by 52.45 | 2.68 %
Previous Close
2,010.05
Day Range
1,957.00 – 2,048.95
Year Range
1,307.10 – 2,048.95
Bid / Ask
Market Cap
159.1 Bil
Volume / Average
37.8 k / 12.7 k
Beta (5-Year)
1.07
Shares Outstanding
79.15 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
Dec 31, 2024
Fiscal Year End
Mar 31, 2025
Employees
8,545

Key Metrics

Income Statement (in Bil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Revenue
19.04 16.80 13.56 11.11 9.36 7.70
Revenue Growth %
15.81% 23.94% 22.04% 18.68% 21.55% 31.45%
Gross Profit
6.08 5.24 4.94 4.30 3.22 2.81
Gross Profit Margin %
31.94% 31.19% 36.47% 38.71% 34.38% 36.49%
Operating Income
3.84 3.16 3.12 2.85 2.24 1.87
Operating Margin %
20.19% 18.78% 22.98% 25.67% 23.89% 24.34%
EBIT
7.17 4.89 4.61 3.92 2.78 2.55
EBIT Margin %
37.64% 29.11% 33.97% 35.25% 29.65% 33.05%
EBITDA
7.52 5.22 4.89 4.15 2.98 2.74
EBITDA Margin %
39.51% 31.05% 36.09% 37.39% 31.86% 35.59%
Net Income
5.63 4.91 4.30 3.55 2.89 2.49
Net Profit Margin %
29.56% 29.21% 31.70% 31.98% 30.87% 32.34%
Basic EPS
71.13 62.03 54.38 45.10 36.86 31.85
Diluted EPS
70.94 61.93 54.26 44.81 36.54 31.48
Normalized EPS
71.09 62.81 55.78 46.50 36.29 33.19
Total Dividends per Share
Balance Sheet (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Total Assets
168.85 165.19 134.10 110.17 89.59 76.58
Total Liabilities
128.37 127.46 101.40 82.11 65.58 55.60
Total Debt
124.79 123.98 98.87 80.12 63.78 53.82
Total Equity
40.48 37.73 32.70 28.06 24.01 20.98
Cash And Cash Equivalents
2.50 0.21 1.78 0.48 0.22 3.51
Working Capital
161.20 15.94 15.68 18.43 13.70 13.89
Shares Outstanding (Bil)
0.08
Book Value Per Share
470.28 408.00 351.64 303.51 266.36
Total Debt To Equity
3.08 3.29 3.02 2.85 2.66 2.57
Cash Flow Statement (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
-17.66 -19.87 -19.15 -11.35 -10.71 -11.72
Cash From Investing Activities
7.20 -6.47 1.86 -4.63 -2.65 -3.42
Cash From Financing Activities
12.42 24.77 18.58 16.23 10.08 17.05
Capital Expenditures
0.33 0.39 0.16 0.08 0.20
Free Cash Flow
4.67 4.37 3.86 3.40 2.41
Change in Cash
1.97 -1.56 1.30 0.26 -3.28 1.91

Profile

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
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership

Name
% Total
Shares Held
% Total
Assets
Trend
Prev. 8 Qtrs
Change Amount
Change %
Date
SBI Small Cap Fund Reg Gr 4.93 2.31 3,900,000
Feb 28, 2025
American Funds SMALLCAP World A 2.48 0.05 1,964,024
Dec 31, 2024
Stewart Inv Indian Sbctnt AllCap A GBP 2.36 5.31 1,868,432
Feb 28, 2025
SBI Flexicap Reg Gr 2.20 1.46 1,740,631
113,804
7.00%
Feb 28, 2025
UTI Flexi Cap Reg Gr 1.88 1.07 1,484,241
Feb 28, 2025
Total (for Top 5) 13.84 10,957,328
113,804

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