Aavas Financiers Ltd.

•

₹ 1,355.3-0.7%

2026-08-21

aavas.inBSE: 541988NSE: AAVAS

Market Cap₹ 10,906 Cr.

Current Price₹ 1,365

High / Low₹ 1,772 / 1,060

Stock P/E22.2

Book Value—

Price to Book2.80

Dividend Yield0.00 %

ROCE10.0 %

ROE14.1 %

Face Value₹ 10

Add ratio to table

ABOUT

KEY POINTS

PROS

Company has delivered good profit growth of 22.8% CAGR over last 5 years
Comfortable capital adequacy - CAR of 44.5%
Promoters have been increasing their shareholding - up 22.4pp over 2 years
Solid return on assets for a lender - ROA of 3.3%
Asset quality is healthy - gross NPA of just 1.1%

CONS

Company has a low return on capital employed of 9.7%
Free cash flow has been persistently negative
Thin net interest margin of 0.0%
Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS

Financial ServicesFinanceFinance - Housing

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	BAJAJHFL	85.01	680.04	70833.18	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2054.70	27.61	46575.47	0.54	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	188.55	8.87	37745.82	3.21	851.11	35.05	3717.17	27.10	8.41	97.08
4.	PNBHOUSING	1175.50	13.23	30632.35	0.68	557.34	4.47	2263.44	9.02	9.41	91.52
5.	LICHSGFIN	498.50	4.78	27420.64	2.01	1499.03	9.90	7082.59	-1.16	8.59	97.06
6.	AADHARHFC	477.45	18.32	20899.77	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	153.65	0.00	17893.42	0.00	243.30	-27.22	1651.93	-31.18	3.64	99.91
8.	APTUS	252.90	12.86	12665.68	1.78	260.94	19.01	600.29	15.38	15.45	81.94
9.	HOMEFIRST	1182.35	0.00	12359.55	0.44	1598.51	1244.52	5380.11	1086.05	11.13	77.98
10.	AAVAS	1375.45	22.23	10905.95	0.00	142.48	12.34	546.02	21.42	10.15	74.58
11.	CANFINHOME	817.75	0.00	10888.72	1.83	267.82	19.63	1096.15	7.43	9.14	91.29
12.	INDIASHLTR	656.40	14.22	7152.58	1.52	137.59	27.24	408.23	24.73	12.96	73.07

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
	365	353	395	411	450	467	497	508	546
	89	98	110	117	118	132	129	134	139
Operating Profit	—	—	—	—	—	—	—	—	—
OPM %	—	—	—	—	—	—	—	—	—
Other Income	0	0	0	1	1	0	1	1	1
Interest	124	135	141	150	165	187	204	217	222
Depreciation	7	6	7	7	9	7	8	9	9
	146	114	138	138	159	141	157	150	177
Tax %	20.81%	22.19%	22.47%	22.24%	20.07%	22.02%	22.69%	22.09%	19.67%
Net Profit	0	89	107	107	127	110	122	117	142
	15	11	14	14	16	14	15	15	18
Equity Capital	79	79	79	79	79	79	79	79	79
Reserves	0	0	0	0	0	0	0	0	0
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Equity Capital	79	79	79	79	79	79	79	79	79
Reserves	0	0	0	0	0	0	0	0	0
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Mar 2022

: 365
: 89
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 124
Depreciation: 7
: 146
Tax %: 20.81%
Net Profit: 0
: 15
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%

Jun 2022

: 353
: 98
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 135
Depreciation: 6
: 114
Tax %: 22.19%
Net Profit: 89
: 11
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%

Sep 2022

: 395
: 110
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 141
Depreciation: 7
: 138
Tax %: 22.47%
Net Profit: 107
: 14
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%

Dec 2022

: 411
: 117
Operating Profit: —
OPM %: —
Other Income: 1
Interest: 150
Depreciation: 7
: 138
Tax %: 22.24%
Net Profit: 107
: 14
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%

Mar 2023

: 450
: 118
Operating Profit: —
OPM %: —
Other Income: 1
Interest: 165
Depreciation: 9
: 159
Tax %: 20.07%
Net Profit: 127
: 16
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%

Jun 2023

: 467
: 132
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 187
Depreciation: 7
: 141
Tax %: 22.02%
Net Profit: 110
: 14
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%

Sep 2023

: 497
: 129
Operating Profit: —
OPM %: —
Other Income: 1
Interest: 204
Depreciation: 8
: 157
Tax %: 22.69%
Net Profit: 122
: 15
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%

Dec 2023

: 508
: 134
Operating Profit: —
OPM %: —
Other Income: 1
Interest: 217
Depreciation: 9
: 150
Tax %: 22.09%
Net Profit: 117
: 15
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%

Mar 2024

: 546
: 139
Operating Profit: —
OPM %: —
Other Income: 1
Interest: 222
Depreciation: 9
: 177
Tax %: 19.67%
Net Profit: 142
: 18
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 79
Reserves: 0
Promoter Pledge %: 0.00%

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
	494	710	903	1,103	1,304	1,609	2,018	2,018
	161	187	225	273	350	441	533	534
Operating Profit	334	524	679	833	955	1,170	1,488	—
OPM %	68	74	75	75	73	73	74	—
Other Income	1	1	1	2	1	2	3	3
Interest	194	256	357	460	479	593	830	828
Depreciation	6	10	20	21	24	29	33	33
	134	258	302	353	453	548	625	625
Tax %	31	32	18	18	22	22	22	22
Net Profit	93	176	249	289	355	430	491	491
EPS	15	23	31	37	45	54	62	—
Dividend Payout %	0	0	0	0	0	0	0	—
Minority Interest	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0
Adjusted EPS	13	23	32	37	45	54	62	—
Minority Interest	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0
Adjusted EPS	13	23	32	37	45	54	62	—

Mar 2018

: 494
: 161
Operating Profit: 334
OPM %: 68
Other Income: 1
Interest: 194
Depreciation: 6
: 134
Tax %: 31
Net Profit: 93
EPS: 15
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 13
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 13

Mar 2019

: 710
: 187
Operating Profit: 524
OPM %: 74
Other Income: 1
Interest: 256
Depreciation: 10
: 258
Tax %: 32
Net Profit: 176
EPS: 23
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 23
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 23

Mar 2020

: 903
: 225
Operating Profit: 679
OPM %: 75
Other Income: 1
Interest: 357
Depreciation: 20
: 302
Tax %: 18
Net Profit: 249
EPS: 31
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 32
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 32

Mar 2021

: 1,103
: 273
Operating Profit: 833
OPM %: 75
Other Income: 2
Interest: 460
Depreciation: 21
: 353
Tax %: 18
Net Profit: 289
EPS: 37
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 37
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 37

Mar 2022

: 1,304
: 350
Operating Profit: 955
OPM %: 73
Other Income: 1
Interest: 479
Depreciation: 24
: 453
Tax %: 22
Net Profit: 355
EPS: 45
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 45
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 45

Mar 2023

: 1,609
: 441
Operating Profit: 1,170
OPM %: 73
Other Income: 2
Interest: 593
Depreciation: 29
: 548
Tax %: 22
Net Profit: 430
EPS: 54
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 54
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 54

Mar 2024

: 2,018
: 533
Operating Profit: 1,488
OPM %: 74
Other Income: 3
Interest: 830
Depreciation: 33
: 625
Tax %: 22
Net Profit: 491
EPS: 62
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 62
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 62

TTM

: 2,018
: 534
Operating Profit: —
OPM %: —
Other Income: 3
Interest: 828
Depreciation: 33
: 625
Tax %: 22
Net Profit: 491
EPS: —
Dividend Payout %: —
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: —
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: —

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 23%
3 Years:: 22%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 23%
3 Years:: 19%

STOCK PRICE CAGR

10 Years:: —
5 Years:: -11%
3 Years:: -5%
1 Year:: -19%

RETURN ON EQUITY

10 Years:: —
5 Years:: 14%
3 Years:: 14%
Last Year:: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
LIABILITIES	-	-	-	-	-	-	-
Equity Capital	69	78	78	79	79	79	79
	1,088	1,751	2,008	2,304	2,696	3,146	3,643
	544	1,076	1,118	1,962	2,279	2,689	3,566
Trade Payables	9	10	17	3	4	9	31
	2,330	2,712	4,435	4,612	5,959	7,487	9,201
Total Liabilities	4,040	5,627	7,657	8,959	11,017	13,410	16,519
ASSETS	-	-	-	-	-	-	-
	18	23	60	58	66	78	116
	0	0	0	0	53	111	182
	0	0	0	0	0	0	12
Cash & Bank	569	684	1,197	1,125	1,546	1,393	1,798
	3,452	4,920	6,400	7,776	9,353	11,828	14,411
Total Assets	4,040	5,627	7,657	8,959	11,017	13,410	16,519
Total Debt	2,738	3,653	5,352	6,345	7,972	9,841	12,336
Net Working Capital	38	-301	111	-763	-634	-1,190	-1,654
Contingent Liabilities	0	0	0	0	0	0	0
Book Value per Share	167.23	234.24	266.36	303.51	351.59	407.99	470.28
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Total Debt	2,738	3,653	5,352	6,345	7,972	9,841	12,336
Net Working Capital	38	-301	111	-763	-634	-1,190	-1,654
Contingent Liabilities	0	0	0	0	0	0	0
Book Value per Share	167.23	234.24	266.36	303.51	351.59	407.99	470.28
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00

Mar 2018

Equity Capital: 69
: 1,088
: 544
Trade Payables: 9
: 2,330
Total Liabilities: 4,040
: 18
: 0
: 0
Cash & Bank: 569
: 3,452
Total Assets: 4,040
Total Debt: 2,738
Net Working Capital: 38
Contingent Liabilities: 0
Book Value per Share: 167.23
Face Value: 10.00
Total Debt: 2,738
Net Working Capital: 38
Contingent Liabilities: 0
Book Value per Share: 167.23
Face Value: 10.00

Mar 2019

Equity Capital: 78
: 1,751
: 1,076
Trade Payables: 10
: 2,712
Total Liabilities: 5,627
: 23
: 0
: 0
Cash & Bank: 684
: 4,920
Total Assets: 5,627
Total Debt: 3,653
Net Working Capital: -301
Contingent Liabilities: 0
Book Value per Share: 234.24
Face Value: 10.00
Total Debt: 3,653
Net Working Capital: -301
Contingent Liabilities: 0
Book Value per Share: 234.24
Face Value: 10.00

Mar 2020

Equity Capital: 78
: 2,008
: 1,118
Trade Payables: 17
: 4,435
Total Liabilities: 7,657
: 60
: 0
: 0
Cash & Bank: 1,197
: 6,400
Total Assets: 7,657
Total Debt: 5,352
Net Working Capital: 111
Contingent Liabilities: 0
Book Value per Share: 266.36
Face Value: 10.00
Total Debt: 5,352
Net Working Capital: 111
Contingent Liabilities: 0
Book Value per Share: 266.36
Face Value: 10.00

Mar 2021

Equity Capital: 79
: 2,304
: 1,962
Trade Payables: 3
: 4,612
Total Liabilities: 8,959
: 58
: 0
: 0
Cash & Bank: 1,125
: 7,776
Total Assets: 8,959
Total Debt: 6,345
Net Working Capital: -763
Contingent Liabilities: 0
Book Value per Share: 303.51
Face Value: 10.00
Total Debt: 6,345
Net Working Capital: -763
Contingent Liabilities: 0
Book Value per Share: 303.51
Face Value: 10.00

Mar 2022

Equity Capital: 79
: 2,696
: 2,279
Trade Payables: 4
: 5,959
Total Liabilities: 11,017
: 66
: 53
: 0
Cash & Bank: 1,546
: 9,353
Total Assets: 11,017
Total Debt: 7,972
Net Working Capital: -634
Contingent Liabilities: 0
Book Value per Share: 351.59
Face Value: 10.00
Total Debt: 7,972
Net Working Capital: -634
Contingent Liabilities: 0
Book Value per Share: 351.59
Face Value: 10.00

Mar 2023

Equity Capital: 79
: 3,146
: 2,689
Trade Payables: 9
: 7,487
Total Liabilities: 13,410
: 78
: 111
: 0
Cash & Bank: 1,393
: 11,828
Total Assets: 13,410
Total Debt: 9,841
Net Working Capital: -1,190
Contingent Liabilities: 0
Book Value per Share: 407.99
Face Value: 10.00
Total Debt: 9,841
Net Working Capital: -1,190
Contingent Liabilities: 0
Book Value per Share: 407.99
Face Value: 10.00

Mar 2024

Equity Capital: 79
: 3,643
: 3,566
Trade Payables: 31
: 9,201
Total Liabilities: 16,519
: 116
: 182
: 12
Cash & Bank: 1,798
: 14,411
Total Assets: 16,519
Total Debt: 12,336
Net Working Capital: -1,654
Contingent Liabilities: 0
Book Value per Share: 470.28
Face Value: 10.00
Total Debt: 12,336
Net Working Capital: -1,654
Contingent Liabilities: 0
Book Value per Share: 470.28
Face Value: 10.00

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	-933	-1,276	-1,172	-1,071	-1,135	-1,924	-1,987
Cash from Investing	-218	-327	-342	-265	-463	196	-647
Cash from Financing	1,240	1,404	1,705	1,008	1,623	1,858	2,477
	90	-198	191	-328	26	130	-156
Free Cash Flow	-933	-1,290	-1,229	-1,089	-1,166	-1,964	-2,053
OCF / Net Profit	-10.03	-7.25	-4.71	-3.71	-3.20	-4.48	-4.05
Cumulative 5-Year FCF	0	0	0	0	0	-6,737	-7,500
OCF / Net Profit	-10.03	-7.25	-4.71	-3.71	-3.20	-4.48	-4.05
Cumulative 5-Year FCF	0	0	0	0	0	-6,737	-7,500

Mar 2018

: -933
Cash from Investing: -218
Cash from Financing: 1,240
: 90
Free Cash Flow: -933
OCF / Net Profit: -10.03
Cumulative 5-Year FCF: 0
OCF / Net Profit: -10.03
Cumulative 5-Year FCF: 0

Mar 2019

: -1,276
Cash from Investing: -327
Cash from Financing: 1,404
: -198
Free Cash Flow: -1,290
OCF / Net Profit: -7.25
Cumulative 5-Year FCF: 0
OCF / Net Profit: -7.25
Cumulative 5-Year FCF: 0

Mar 2020

: -1,172
Cash from Investing: -342
Cash from Financing: 1,705
: 191
Free Cash Flow: -1,229
OCF / Net Profit: -4.71
Cumulative 5-Year FCF: 0
OCF / Net Profit: -4.71
Cumulative 5-Year FCF: 0

Mar 2021

: -1,071
Cash from Investing: -265
Cash from Financing: 1,008
: -328
Free Cash Flow: -1,089
OCF / Net Profit: -3.71
Cumulative 5-Year FCF: 0
OCF / Net Profit: -3.71
Cumulative 5-Year FCF: 0

Mar 2022

: -1,135
Cash from Investing: -463
Cash from Financing: 1,623
: 26
Free Cash Flow: -1,166
OCF / Net Profit: -3.20
Cumulative 5-Year FCF: 0
OCF / Net Profit: -3.20
Cumulative 5-Year FCF: 0

Mar 2023

: -1,924
Cash from Investing: 196
Cash from Financing: 1,858
: 130
Free Cash Flow: -1,964
OCF / Net Profit: -4.48
Cumulative 5-Year FCF: -6,737
OCF / Net Profit: -4.48
Cumulative 5-Year FCF: -6,737

Mar 2024

: -1,987
Cash from Investing: -647
Cash from Financing: 2,477
: -156
Free Cash Flow: -2,053
OCF / Net Profit: -4.05
Cumulative 5-Year FCF: -7,500
OCF / Net Profit: -4.05
Cumulative 5-Year FCF: -7,500

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
PER SHARE	-	-	-	-	-	-	-
EPS (₹)	13.45	22.54	31.80	36.80	45.00	54.35	62.00
Book Value (₹)	167.23	234.24	266.36	303.51	351.59	407.99	470.28
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	14.26	23.78	34.29	39.43	48.01	57.98	66.13
PROFITABILITY	-	-	-	-	-	-	-
Operating Margin %	67.61%	73.76%	75.18%	75.47%	73.25%	72.73%	73.60%
Net Margin %	18.85%	24.79%	27.59%	26.19%	27.23%	26.71%	24.32%
ROE %	8.04%	11.79%	12.72%	12.93%	13.77%	14.32%	14.13%
ROCE %	8.35%	10.92%	10.19%	10.03%	9.54%	9.56%	9.96%
	2.30%	3.64%	3.75%	3.48%	3.56%	3.52%	3.28%
EFFICIENCY	-	-	-	-	-	-	-
Debtor Days	0	0	0	0	0	0	1
Inventory Days	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0
	0	0	0	0	0	0	1
FINANCIAL HEALTH	-	-	-	-	-	-	-
Debt to Equity (x)	2.37x	2.00x	2.57x	2.66x	2.87x	3.05x	3.31x
Interest Coverage (x)	1.69x	2.01x	1.85x	1.77x	1.95x	1.92x	1.75x
	1.06x	0.74x	1.09x	0.64x	0.74x	0.59x	0.57x
GROWTH	-	-	-	-	-	-	-
Revenue Growth %	0.00%	43.89%	27.09%	22.25%	18.23%	23.33%	25.43%
Operating Profit Growth %	0.00%	56.97%	29.55%	22.72%	14.74%	22.46%	27.19%
Net Profit Growth %	0.00%	89.21%	41.48%	16.01%	22.93%	20.96%	14.21%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	14.09%
VALUATION	-	-	-	-	-	-	-
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	21.22x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	2.80x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	14.08x

Mar 2018

EPS (₹): 13.45
Book Value (₹): 167.23
Dividend per Share (₹): 0.00
Cash EPS (₹): 14.26
Operating Margin %: 67.61%
Net Margin %: 18.85%
ROE %: 8.04%
ROCE %: 8.35%
: 2.30%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.37x
Interest Coverage (x): 1.69x
: 1.06x
Revenue Growth %: 0.00%
Operating Profit Growth %: 0.00%
Net Profit Growth %: 0.00%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2019

EPS (₹): 22.54
Book Value (₹): 234.24
Dividend per Share (₹): 0.00
Cash EPS (₹): 23.78
Operating Margin %: 73.76%
Net Margin %: 24.79%
ROE %: 11.79%
ROCE %: 10.92%
: 3.64%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.00x
Interest Coverage (x): 2.01x
: 0.74x
Revenue Growth %: 43.89%
Operating Profit Growth %: 56.97%
Net Profit Growth %: 89.21%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2020

EPS (₹): 31.80
Book Value (₹): 266.36
Dividend per Share (₹): 0.00
Cash EPS (₹): 34.29
Operating Margin %: 75.18%
Net Margin %: 27.59%
ROE %: 12.72%
ROCE %: 10.19%
: 3.75%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.57x
Interest Coverage (x): 1.85x
: 1.09x
Revenue Growth %: 27.09%
Operating Profit Growth %: 29.55%
Net Profit Growth %: 41.48%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2021

EPS (₹): 36.80
Book Value (₹): 303.51
Dividend per Share (₹): 0.00
Cash EPS (₹): 39.43
Operating Margin %: 75.47%
Net Margin %: 26.19%
ROE %: 12.93%
ROCE %: 10.03%
: 3.48%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.66x
Interest Coverage (x): 1.77x
: 0.64x
Revenue Growth %: 22.25%
Operating Profit Growth %: 22.72%
Net Profit Growth %: 16.01%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2022

EPS (₹): 45.00
Book Value (₹): 351.59
Dividend per Share (₹): 0.00
Cash EPS (₹): 48.01
Operating Margin %: 73.25%
Net Margin %: 27.23%
ROE %: 13.77%
ROCE %: 9.54%
: 3.56%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.87x
Interest Coverage (x): 1.95x
: 0.74x
Revenue Growth %: 18.23%
Operating Profit Growth %: 14.74%
Net Profit Growth %: 22.93%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2023

EPS (₹): 54.35
Book Value (₹): 407.99
Dividend per Share (₹): 0.00
Cash EPS (₹): 57.98
Operating Margin %: 72.73%
Net Margin %: 26.71%
ROE %: 14.32%
ROCE %: 9.56%
: 3.52%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 3.05x
Interest Coverage (x): 1.92x
: 0.59x
Revenue Growth %: 23.33%
Operating Profit Growth %: 22.46%
Net Profit Growth %: 20.96%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2024

EPS (₹): 62.00
Book Value (₹): 470.28
Dividend per Share (₹): 0.00
Cash EPS (₹): 66.13
Operating Margin %: 73.60%
Net Margin %: 24.32%
ROE %: 14.13%
ROCE %: 9.96%
: 3.28%
Debtor Days: 1
Inventory Days: 0
Payable Days: 0
: 1
Debt to Equity (x): 3.31x
Interest Coverage (x): 1.75x
: 0.57x
Revenue Growth %: 25.43%
Operating Profit Growth %: 27.19%
Net Profit Growth %: 14.21%
: 14.09%
P/E (x): 21.22x
P/B (x): 2.80x
Dividend Yield %: 0.00%
: 14.08x

Shareholding Pattern

Numbers in percentages

TRADES

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	26.47	26.47	26.47	26.47	48.96	48.96	48.95	48.88	48.88
	35.88	35.50	33.97	29.67	29.77	25.88	24.72	16.74	16.28
	24.39	25.55	24.98	10.75	11.52	14.13	14.29	22.13	22.14
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	13.25	12.48	14.57	33.11	9.75	11.02	12.04	12.25	12.70

Jun 2024

: 26.47
: 35.88
: 24.39
Government: 0.00
: 13.25

Sep 2024

: 26.47
: 35.50
: 25.55
Government: 0.00
: 12.48

Dec 2024

: 26.47
: 33.97
: 24.98
Government: 0.00
: 14.57

Mar 2025

: 26.47
: 29.67
: 10.75
Government: 0.00
: 33.11

Jun 2025

: 48.96
: 29.77
: 11.52
Government: 0.00
: 9.75

Sep 2025

: 48.96
: 25.88
: 14.13
Government: 0.00
: 11.02

Dec 2025

: 48.95
: 24.72
: 14.29
Government: 0.00
: 12.04

Mar 2026

: 48.88
: 16.74
: 22.13
Government: 0.00
: 12.25

Jun 2026

: 48.88
: 16.28
: 22.14
Government: 0.00
: 12.70

Documents

Announcements

Allotment of Securities
2026-08-20 - Aavas Financiers Limited has informed the Exchange regarding allotment of 4301 shares, under PSOP scheme of the Company.
Copy of Newspaper Publication
2026-08-19 - Aavas Financiers Limited has informed the Exchange about Submission of Copy of Newspaper Advertisement regarding 16th Annual General Meeting to be held on September 16, 2026, through Video Conferencing/ Other Audio Visual Means.

Annual Reports

Nothing filed yet.

Credit Ratings

Credit Rating
2026-07-01 - Aavas Financiers Limited has informed the Exchange about Credit Rating
Credit Rating
2026-07-01 - Aavas Financiers Limited has informed the Exchange about Credit Rating
Credit Rating
2026-04-25 - Aavas Financiers Limited has informed the Exchange about Credit Rating

Concalls

Jul 2026
Transcript PPTREC
May 2026
Transcript PPTREC
Feb 2026
Transcript PPTREC