Aavas Financiers Ltd.
•₹ 1,355.3-0.7%
2026-08-21
PROS
- 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%
- Company has delivered good sales growth of 21.1% CAGR over last 5 years
CONS
- Company has a low return on capital employed of 9.9%
- Free cash flow has been persistently negative
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
EDIT COLUMNS| 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
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 467 | 497 | 508 | 546 | 542 | 579 | 597 | 636 | 628 | 667 | 674 | 715 | 709 | |
| 132 | 130 | 134 | 139 | 138 | 133 | 142 | 170 | 168 | 170 | 170 | 199 | 489 | |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 0 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Interest | 187 | 204 | 217 | 222 | 235 | 249 | 259 | 265 | 271 | 276 | 274 | 273 | 293 |
| Depreciation | 7 | 8 | 9 | 9 | 9 | 9 | 9 | 10 | 9 | 11 | 11 | 12 | 11 |
| 141 | 157 | 150 | 177 | 161 | 190 | 188 | 193 | 179 | 211 | 219 | 231 | 220 | |
| Tax % | 22.01% | 22.24% | 22.10% | 19.65% | 21.65% | 22.17% | 22.28% | 20.47% | 22.27% | 22.39% | 22.47% | 21.27% | 22.19% |
| Net Profit | 110 | 122 | 117 | 143 | 126 | 148 | 146 | 154 | 139 | 164 | 170 | 182 | 171 |
| 14 | 15 | 15 | 18 | 16 | 19 | 18 | 19 | 18 | 21 | 21 | 23 | 2 | |
| Equity Capital | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 |
| Reserves | 0 | 0 | 0 | 0 | 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% | 0.00% | 0.00% | 0.00% | 0.00% |
| Equity Capital | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 | 79 |
| Reserves | 0 | 0 | 0 | 0 | 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% | 0.00% | 0.00% | 0.00% | 0.00% |
Jun 2023
- 467
- 132
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 187
- Depreciation
- 7
- 141
- Tax %
- 22.01%
- 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
- 130
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 204
- Depreciation
- 8
- 157
- Tax %
- 22.24%
- 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 %
- 22.10%
- 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 %
- 19.65%
- Net Profit
- 143
- 18
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2024
- 542
- 138
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 235
- Depreciation
- 9
- 161
- Tax %
- 21.65%
- Net Profit
- 126
- 16
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2024
- 579
- 133
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 249
- Depreciation
- 9
- 190
- Tax %
- 22.17%
- Net Profit
- 148
- 19
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2024
- 597
- 142
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 259
- Depreciation
- 9
- 188
- Tax %
- 22.28%
- Net Profit
- 146
- 18
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2025
- 636
- 170
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 265
- Depreciation
- 10
- 193
- Tax %
- 20.47%
- Net Profit
- 154
- 19
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2025
- 628
- 168
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 271
- Depreciation
- 9
- 179
- Tax %
- 22.27%
- Net Profit
- 139
- 18
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2025
- 667
- 170
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 276
- Depreciation
- 11
- 211
- Tax %
- 22.39%
- Net Profit
- 164
- 21
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2025
- 674
- 170
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 274
- Depreciation
- 11
- 219
- Tax %
- 22.47%
- Net Profit
- 170
- 21
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2026
- 715
- 199
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 273
- Depreciation
- 12
- 231
- Tax %
- 21.27%
- Net Profit
- 182
- 23
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2026
- 709
- 489
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 293
- Depreciation
- 11
- 220
- Tax %
- 22.19%
- Net Profit
- 171
- 2
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 79
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 191 | 305 | 494 | 710 | 902 | 1,103 | 1,304 | 1,608 | 2,017 | 2,355 | 2,765 | |
| 50 | 83 | 161 | 187 | 224 | 272 | 348 | 440 | 533 | 580 | 1,027 | |
| Operating Profit | 145 | 230 | 334 | 524 | 679 | 834 | 958 | 1,171 | 1,487 | 1,778 | — |
| OPM % | 76 | 76 | 68 | 74 | 75 | 76 | 73 | 73 | 74 | 76 | — |
| Other Income | 4 | 8 | 1 | 1 | 1 | 2 | 1 | 2 | 3 | 4 | 1 |
| Interest | 94 | 140 | 194 | 256 | 357 | 460 | 479 | 593 | 830 | 1,009 | 1,116 |
| Depreciation | 1 | 3 | 6 | 10 | 20 | 21 | 24 | 29 | 33 | 36 | 45 |
| 50 | 88 | 134 | 258 | 302 | 353 | 455 | 549 | 624 | 733 | 881 | |
| Tax % | 34 | 35 | 31 | 32 | 18 | 18 | 22 | 22 | 21 | 22 | 22 |
| Net Profit | 33 | 57 | 93 | 176 | 249 | 289 | 357 | 430 | 491 | 574 | 687 |
| EPS | 8 | 11 | 15 | 23 | 31 | 37 | 45 | 54 | 62 | 73 | — |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 7 | 10 | 13 | 23 | 32 | 37 | 45 | 54 | 62 | 73 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 7 | 10 | 13 | 23 | 32 | 37 | 45 | 54 | 62 | 73 | — |
Mar 2016
- 191
- 50
- Operating Profit
- 145
- OPM %
- 76
- Other Income
- 4
- Interest
- 94
- Depreciation
- 1
- 50
- Tax %
- 34
- Net Profit
- 33
- EPS
- 8
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 7
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 7
Mar 2017
- 305
- 83
- Operating Profit
- 230
- OPM %
- 76
- Other Income
- 8
- Interest
- 140
- Depreciation
- 3
- 88
- Tax %
- 35
- Net Profit
- 57
- EPS
- 11
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 10
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 10
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
- 902
- 224
- 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
- 272
- Operating Profit
- 834
- OPM %
- 76
- 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
- 348
- Operating Profit
- 958
- OPM %
- 73
- Other Income
- 1
- Interest
- 479
- Depreciation
- 24
- 455
- Tax %
- 22
- Net Profit
- 357
- 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
- 1,608
- 440
- Operating Profit
- 1,171
- OPM %
- 73
- Other Income
- 2
- Interest
- 593
- Depreciation
- 29
- 549
- 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
- 2,017
- 533
- Operating Profit
- 1,487
- OPM %
- 74
- Other Income
- 3
- Interest
- 830
- Depreciation
- 33
- 624
- Tax %
- 21
- 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
Mar 2025
- 2,355
- 580
- Operating Profit
- 1,778
- OPM %
- 76
- Other Income
- 4
- Interest
- 1,009
- Depreciation
- 36
- 733
- Tax %
- 22
- Net Profit
- 574
- EPS
- 73
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 73
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 73
TTM
- 2,765
- 1,027
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 1,116
- Depreciation
- 45
- 881
- Tax %
- 22
- Net Profit
- 687
- 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:
- 37%
- 5 Years:
- 21%
- 3 Years:
- 22%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 41%
- 5 Years:
- 18%
- 3 Years:
- 17%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -11%
- 3 Years:
- -5%
- 1 Year:
- -19%
RETURN ON EQUITY
- 10 Years:
- 14%
- 5 Years:
- 14%
- 3 Years:
- 14%
- Last Year:
- 14%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 38 | 58 | 69 | 78 | 78 | 79 | 79 | 79 | 79 | 79 |
| 165 | 508 | 1,088 | 1,751 | 2,008 | 2,305 | 2,699 | 3,146 | 3,643 | 4,219 | |
| 250 | 284 | 544 | 1,076 | 1,118 | 1,962 | 2,279 | 2,689 | 2,386 | 2,276 | |
| Trade Payables | 0 | 0 | 9 | 9 | 17 | 3 | 4 | 9 | 31 | 5 |
| 1,257 | 1,601 | 2,330 | 2,712 | 4,435 | 4,612 | 5,960 | 7,488 | 10,381 | 12,040 | |
| Total Liabilities | 1,711 | 2,451 | 4,040 | 5,627 | 7,657 | 8,960 | 11,020 | 13,411 | 16,519 | 18,618 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 6 | 10 | 18 | 23 | 60 | 58 | 66 | 78 | 116 | 134 | |
| 0 | 1 | 4 | 4 | 4 | 4 | 68 | 123 | 182 | 230 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 11 | |
| Cash & Bank | 235 | 276 | 565 | 679 | 1,192 | 1,121 | 1,530 | 1,382 | 1,789 | 1,553 |
| 1,470 | 2,164 | 3,452 | 4,920 | 6,400 | 7,776 | 9,356 | 11,827 | 14,420 | 16,690 | |
| Total Assets | 1,711 | 2,451 | 4,040 | 5,627 | 7,657 | 8,960 | 11,020 | 13,411 | 16,519 | 18,618 |
| Total Debt | 1,447 | 1,793 | 2,738 | 3,653 | 5,352 | 6,345 | 7,972 | 9,841 | 12,350 | 13,850 |
| Net Working Capital | 13 | 25 | 34 | -305 | 107 | -767 | -646 | -1,201 | -602 | -673 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 53.10 | 97.37 | 167.24 | 234.23 | 266.36 | 303.59 | 351.87 | 407.99 | 470.28 | 543.01 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Total Debt | 1,447 | 1,793 | 2,738 | 3,653 | 5,352 | 6,345 | 7,972 | 9,841 | 12,350 | 13,850 |
| Net Working Capital | 13 | 25 | 34 | -305 | 107 | -767 | -646 | -1,201 | -602 | -673 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 53.10 | 97.37 | 167.24 | 234.23 | 266.36 | 303.59 | 351.87 | 407.99 | 470.28 | 543.01 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Mar 2016
- Equity Capital
- 38
- 165
- 250
- Trade Payables
- 0
- 1,257
- Total Liabilities
- 1,711
- 6
- 0
- 0
- Cash & Bank
- 235
- 1,470
- Total Assets
- 1,711
- Total Debt
- 1,447
- Net Working Capital
- 13
- Contingent Liabilities
- 0
- Book Value per Share
- 53.10
- Face Value
- 10.00
- Total Debt
- 1,447
- Net Working Capital
- 13
- Contingent Liabilities
- 0
- Book Value per Share
- 53.10
- Face Value
- 10.00
Mar 2017
- Equity Capital
- 58
- 508
- 284
- Trade Payables
- 0
- 1,601
- Total Liabilities
- 2,451
- 10
- 1
- 0
- Cash & Bank
- 276
- 2,164
- Total Assets
- 2,451
- Total Debt
- 1,793
- Net Working Capital
- 25
- Contingent Liabilities
- 0
- Book Value per Share
- 97.37
- Face Value
- 10.00
- Total Debt
- 1,793
- Net Working Capital
- 25
- Contingent Liabilities
- 0
- Book Value per Share
- 97.37
- Face Value
- 10.00
Mar 2018
- Equity Capital
- 69
- 1,088
- 544
- Trade Payables
- 9
- 2,330
- Total Liabilities
- 4,040
- 18
- 4
- 0
- Cash & Bank
- 565
- 3,452
- Total Assets
- 4,040
- Total Debt
- 2,738
- Net Working Capital
- 34
- Contingent Liabilities
- 0
- Book Value per Share
- 167.24
- Face Value
- 10.00
- Total Debt
- 2,738
- Net Working Capital
- 34
- Contingent Liabilities
- 0
- Book Value per Share
- 167.24
- Face Value
- 10.00
Mar 2019
- Equity Capital
- 78
- 1,751
- 1,076
- Trade Payables
- 9
- 2,712
- Total Liabilities
- 5,627
- 23
- 4
- 0
- Cash & Bank
- 679
- 4,920
- Total Assets
- 5,627
- Total Debt
- 3,653
- Net Working Capital
- -305
- Contingent Liabilities
- 0
- Book Value per Share
- 234.23
- Face Value
- 10.00
- Total Debt
- 3,653
- Net Working Capital
- -305
- Contingent Liabilities
- 0
- Book Value per Share
- 234.23
- Face Value
- 10.00
Mar 2020
- Equity Capital
- 78
- 2,008
- 1,118
- Trade Payables
- 17
- 4,435
- Total Liabilities
- 7,657
- 60
- 4
- 0
- Cash & Bank
- 1,192
- 6,400
- Total Assets
- 7,657
- Total Debt
- 5,352
- Net Working Capital
- 107
- Contingent Liabilities
- 0
- Book Value per Share
- 266.36
- Face Value
- 10.00
- Total Debt
- 5,352
- Net Working Capital
- 107
- Contingent Liabilities
- 0
- Book Value per Share
- 266.36
- Face Value
- 10.00
Mar 2021
- Equity Capital
- 79
- 2,305
- 1,962
- Trade Payables
- 3
- 4,612
- Total Liabilities
- 8,960
- 58
- 4
- 0
- Cash & Bank
- 1,121
- 7,776
- Total Assets
- 8,960
- Total Debt
- 6,345
- Net Working Capital
- -767
- Contingent Liabilities
- 0
- Book Value per Share
- 303.59
- Face Value
- 10.00
- Total Debt
- 6,345
- Net Working Capital
- -767
- Contingent Liabilities
- 0
- Book Value per Share
- 303.59
- Face Value
- 10.00
Mar 2022
- Equity Capital
- 79
- 2,699
- 2,279
- Trade Payables
- 4
- 5,960
- Total Liabilities
- 11,020
- 66
- 68
- 0
- Cash & Bank
- 1,530
- 9,356
- Total Assets
- 11,020
- Total Debt
- 7,972
- Net Working Capital
- -646
- Contingent Liabilities
- 0
- Book Value per Share
- 351.87
- Face Value
- 10.00
- Total Debt
- 7,972
- Net Working Capital
- -646
- Contingent Liabilities
- 0
- Book Value per Share
- 351.87
- Face Value
- 10.00
Mar 2023
- Equity Capital
- 79
- 3,146
- 2,689
- Trade Payables
- 9
- 7,488
- Total Liabilities
- 13,411
- 78
- 123
- 0
- Cash & Bank
- 1,382
- 11,827
- Total Assets
- 13,411
- Total Debt
- 9,841
- Net Working Capital
- -1,201
- Contingent Liabilities
- 0
- Book Value per Share
- 407.99
- Face Value
- 10.00
- Total Debt
- 9,841
- Net Working Capital
- -1,201
- Contingent Liabilities
- 0
- Book Value per Share
- 407.99
- Face Value
- 10.00
Mar 2024
- Equity Capital
- 79
- 3,643
- 2,386
- Trade Payables
- 31
- 10,381
- Total Liabilities
- 16,519
- 116
- 182
- 12
- Cash & Bank
- 1,789
- 14,420
- Total Assets
- 16,519
- Total Debt
- 12,350
- Net Working Capital
- -602
- Contingent Liabilities
- 0
- Book Value per Share
- 470.28
- Face Value
- 10.00
- Total Debt
- 12,350
- Net Working Capital
- -602
- Contingent Liabilities
- 0
- Book Value per Share
- 470.28
- Face Value
- 10.00
Mar 2025
- Equity Capital
- 79
- 4,219
- 2,276
- Trade Payables
- 5
- 12,040
- Total Liabilities
- 18,618
- 134
- 230
- 11
- Cash & Bank
- 1,553
- 16,690
- Total Assets
- 18,618
- Total Debt
- 13,850
- Net Working Capital
- -673
- Contingent Liabilities
- 0
- Book Value per Share
- 543.01
- Face Value
- 10.00
- Total Debt
- 13,850
- Net Working Capital
- -673
- Contingent Liabilities
- 0
- Book Value per Share
- 543.01
- Face Value
- 10.00
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -591 | -591 | -933 | -1,276 | -1,172 | -1,071 | -1,136 | -1,920 | -2,001 | -1,660 | |
| Cash from Investing | -1 | -15 | -218 | -327 | -342 | -265 | -467 | 196 | -646 | 176 |
| Cash from Financing | 816 | 640 | 1,240 | 1,404 | 1,705 | 1,008 | 1,623 | 1,858 | 2,491 | 1,475 |
| 224 | 34 | 90 | -199 | 191 | -328 | 20 | 134 | -156 | -9 | |
| Free Cash Flow | -592 | -598 | -947 | -1,290 | -1,229 | -1,089 | -1,166 | -1,959 | -2,067 | -1,709 |
| OCF / Net Profit | -18.02 | -10.34 | -10.02 | -7.25 | -4.71 | -3.70 | -3.18 | -4.46 | -4.08 | -2.89 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -4,656 | -5,152 | -5,721 | -6,733 | -7,510 | -7,990 |
| OCF / Net Profit | -18.02 | -10.34 | -10.02 | -7.25 | -4.71 | -3.70 | -3.18 | -4.46 | -4.08 | -2.89 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -4,656 | -5,152 | -5,721 | -6,733 | -7,510 | -7,990 |
Mar 2016
- -591
- Cash from Investing
- -1
- Cash from Financing
- 816
- 224
- Free Cash Flow
- -592
- OCF / Net Profit
- -18.02
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -18.02
- Cumulative 5-Year FCF
- 0
Mar 2017
- -591
- Cash from Investing
- -15
- Cash from Financing
- 640
- 34
- Free Cash Flow
- -598
- OCF / Net Profit
- -10.34
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -10.34
- Cumulative 5-Year FCF
- 0
Mar 2018
- -933
- Cash from Investing
- -218
- Cash from Financing
- 1,240
- 90
- Free Cash Flow
- -947
- OCF / Net Profit
- -10.02
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -10.02
- Cumulative 5-Year FCF
- 0
Mar 2019
- -1,276
- Cash from Investing
- -327
- Cash from Financing
- 1,404
- -199
- 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
- -4,656
- OCF / Net Profit
- -4.71
- Cumulative 5-Year FCF
- -4,656
Mar 2021
- -1,071
- Cash from Investing
- -265
- Cash from Financing
- 1,008
- -328
- Free Cash Flow
- -1,089
- OCF / Net Profit
- -3.70
- Cumulative 5-Year FCF
- -5,152
- OCF / Net Profit
- -3.70
- Cumulative 5-Year FCF
- -5,152
Mar 2022
- -1,136
- Cash from Investing
- -467
- Cash from Financing
- 1,623
- 20
- Free Cash Flow
- -1,166
- OCF / Net Profit
- -3.18
- Cumulative 5-Year FCF
- -5,721
- OCF / Net Profit
- -3.18
- Cumulative 5-Year FCF
- -5,721
Mar 2023
- -1,920
- Cash from Investing
- 196
- Cash from Financing
- 1,858
- 134
- Free Cash Flow
- -1,959
- OCF / Net Profit
- -4.46
- Cumulative 5-Year FCF
- -6,733
- OCF / Net Profit
- -4.46
- Cumulative 5-Year FCF
- -6,733
Mar 2024
- -2,001
- Cash from Investing
- -646
- Cash from Financing
- 2,491
- -156
- Free Cash Flow
- -2,067
- OCF / Net Profit
- -4.08
- Cumulative 5-Year FCF
- -7,510
- OCF / Net Profit
- -4.08
- Cumulative 5-Year FCF
- -7,510
Mar 2025
- -1,660
- Cash from Investing
- 176
- Cash from Financing
- 1,475
- -9
- Free Cash Flow
- -1,709
- OCF / Net Profit
- -2.89
- Cumulative 5-Year FCF
- -7,990
- OCF / Net Profit
- -2.89
- Cumulative 5-Year FCF
- -7,990
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 8.54 | 9.82 | 13.46 | 22.52 | 31.81 | 36.88 | 45.20 | 54.40 | 62.00 | 72.53 |
| Book Value (₹) | 53.10 | 97.37 | 167.24 | 234.23 | 266.36 | 303.59 | 351.87 | 407.99 | 470.28 | 543.01 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 7.78 | 10.30 | 14.27 | 23.77 | 34.30 | 39.50 | 48.21 | 58.03 | 66.13 | 77.14 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 75.88% | 75.53% | 67.63% | 73.76% | 75.22% | 75.56% | 73.42% | 72.79% | 73.58% | 75.36% |
| Net Margin % | 17.17% | 18.73% | 18.86% | 24.78% | 27.61% | 26.24% | 27.35% | 26.74% | 24.32% | 24.38% |
| ROE % | 21.48% | 14.84% | 10.81% | 11.78% | 12.72% | 12.95% | 13.83% | 14.33% | 14.13% | 14.32% |
| ROCE % | 11.69% | 11.36% | 10.44% | 10.91% | 10.19% | 10.04% | 9.56% | 9.56% | 9.95% | 10.15% |
| 2.56% | 2.75% | 2.87% | 3.64% | 3.75% | 3.48% | 3.57% | 3.52% | 3.28% | 3.27% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - | - |
| Debtor Days | 5 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 5 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 7.10x | 3.17x | 2.37x | 2.00x | 2.57x | 2.66x | 2.87x | 3.05x | 3.32x | 3.22x |
| Interest Coverage (x) | 1.53x | 1.62x | 1.69x | 2.01x | 1.85x | 1.77x | 1.95x | 1.93x | 1.75x | 1.73x |
| 1.05x | 1.07x | 1.05x | 0.74x | 1.08x | 0.64x | 0.74x | 0.59x | 0.77x | 0.74x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | 84.11% | 59.85% | 61.75% | 43.85% | 27.09% | 22.26% | 18.24% | 23.30% | 25.44% | 16.70% |
| Operating Profit Growth % | 78.74% | 59.12% | 44.82% | 56.89% | 29.61% | 22.82% | 14.89% | 22.24% | 27.05% | 19.58% |
| Net Profit Growth % | 71.79% | 74.30% | 62.93% | 88.96% | 41.62% | 16.21% | 23.25% | 20.54% | 14.10% | 17.00% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.98% | 16.98% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 21.22x | 28.78x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 2.80x | 3.84x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 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 | 0.00x | 0.00x | 14.10x | 16.20x |
Mar 2016
- EPS (₹)
- 8.54
- Book Value (₹)
- 53.10
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 7.78
- Operating Margin %
- 75.88%
- Net Margin %
- 17.17%
- ROE %
- 21.48%
- ROCE %
- 11.69%
- 2.56%
- Debtor Days
- 5
- Inventory Days
- 0
- Payable Days
- 0
- 5
- Debt to Equity (x)
- 7.10x
- Interest Coverage (x)
- 1.53x
- 1.05x
- Revenue Growth %
- 84.11%
- Operating Profit Growth %
- 78.74%
- Net Profit Growth %
- 71.79%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2017
- EPS (₹)
- 9.82
- Book Value (₹)
- 97.37
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 10.30
- Operating Margin %
- 75.53%
- Net Margin %
- 18.73%
- ROE %
- 14.84%
- ROCE %
- 11.36%
- 2.75%
- Debtor Days
- 5
- Inventory Days
- 0
- Payable Days
- 0
- 5
- Debt to Equity (x)
- 3.17x
- Interest Coverage (x)
- 1.62x
- 1.07x
- Revenue Growth %
- 59.85%
- Operating Profit Growth %
- 59.12%
- Net Profit Growth %
- 74.30%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2018
- EPS (₹)
- 13.46
- Book Value (₹)
- 167.24
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 14.27
- Operating Margin %
- 67.63%
- Net Margin %
- 18.86%
- ROE %
- 10.81%
- ROCE %
- 10.44%
- 2.87%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 2.37x
- Interest Coverage (x)
- 1.69x
- 1.05x
- Revenue Growth %
- 61.75%
- Operating Profit Growth %
- 44.82%
- Net Profit Growth %
- 62.93%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 22.52
- Book Value (₹)
- 234.23
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 23.77
- Operating Margin %
- 73.76%
- Net Margin %
- 24.78%
- ROE %
- 11.78%
- ROCE %
- 10.91%
- 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 %
- 43.85%
- Operating Profit Growth %
- 56.89%
- Net Profit Growth %
- 88.96%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- 31.81
- Book Value (₹)
- 266.36
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 34.30
- Operating Margin %
- 75.22%
- Net Margin %
- 27.61%
- 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
- 1.08x
- Revenue Growth %
- 27.09%
- Operating Profit Growth %
- 29.61%
- Net Profit Growth %
- 41.62%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 36.88
- Book Value (₹)
- 303.59
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 39.50
- Operating Margin %
- 75.56%
- Net Margin %
- 26.24%
- ROE %
- 12.95%
- ROCE %
- 10.04%
- 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 %
- 22.26%
- Operating Profit Growth %
- 22.82%
- Net Profit Growth %
- 16.21%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 45.20
- Book Value (₹)
- 351.87
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 48.21
- Operating Margin %
- 73.42%
- Net Margin %
- 27.35%
- ROE %
- 13.83%
- ROCE %
- 9.56%
- 3.57%
- 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 %
- 18.24%
- Operating Profit Growth %
- 14.89%
- Net Profit Growth %
- 23.25%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 54.40
- Book Value (₹)
- 407.99
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 58.03
- Operating Margin %
- 72.79%
- Net Margin %
- 26.74%
- ROE %
- 14.33%
- ROCE %
- 9.56%
- 3.52%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.05x
- Interest Coverage (x)
- 1.93x
- 0.59x
- Revenue Growth %
- 23.30%
- Operating Profit Growth %
- 22.24%
- Net Profit Growth %
- 20.54%
- 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 %
- 73.58%
- Net Margin %
- 24.32%
- ROE %
- 14.13%
- ROCE %
- 9.95%
- 3.28%
- Debtor Days
- 1
- Inventory Days
- 0
- Payable Days
- 0
- 1
- Debt to Equity (x)
- 3.32x
- Interest Coverage (x)
- 1.75x
- 0.77x
- Revenue Growth %
- 25.44%
- Operating Profit Growth %
- 27.05%
- Net Profit Growth %
- 14.10%
- 13.98%
- P/E (x)
- 21.22x
- P/B (x)
- 2.80x
- Dividend Yield %
- 0.00%
- 14.10x
Mar 2025
- EPS (₹)
- 72.53
- Book Value (₹)
- 543.01
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 77.14
- Operating Margin %
- 75.36%
- Net Margin %
- 24.38%
- ROE %
- 14.32%
- ROCE %
- 10.15%
- 3.27%
- Debtor Days
- 2
- Inventory Days
- 0
- Payable Days
- 0
- 2
- Debt to Equity (x)
- 3.22x
- Interest Coverage (x)
- 1.73x
- 0.74x
- Revenue Growth %
- 16.70%
- Operating Profit Growth %
- 19.58%
- Net Profit Growth %
- 17.00%
- 16.98%
- P/E (x)
- 28.78x
- P/B (x)
- 3.84x
- Dividend Yield %
- 0.00%
- 16.20x
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
May 2026
Feb 2026