AAVAS Financiers Limited
Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India. The company offers home loans for flats, houses, and bungalows, as well as resale properties; home construction loans for self-construction of residential house; and home improvement loans, including loans for tiling or flooring, plaster or painting, etc. It also provides loans against property; micro, small, and medium enterprise loans; and home loan balance transfer, as well as cash salaried plus loans and small ticket size loan. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in May 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 17.5%
Concerns1
- Negative free cash flow (βΉ9 Cr)
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ2.35 K Cr | β | βΉ574.00 Cr | β | β | β | 16.7% | 16.9% |
| Mar 2024 | βΉ2.02 K Cr | β | βΉ491.00 Cr | β | β | β | 25.5% | 14.2% |
| Mar 2023 | βΉ1.61 K Cr | β | βΉ430.00 Cr | β | β | β | 23.3% | 20.4% |
| Mar 2022 | βΉ1.30 K Cr | β | βΉ357.00 Cr | β | β | β | 18.2% | 23.1% |
| Mar 2021 | βΉ1.10 K Cr | β | βΉ290.00 Cr | β | β | β | 22.3% | 16.5% |
| Mar 2020 | βΉ902.00 Cr | β | βΉ249.00 Cr | β | β | β | 27.0% | 41.5% |
| Mar 2019 | βΉ710.00 Cr | β | βΉ176.00 Cr | β | β | β | 43.7% | 89.2% |
| Mar 2018 | βΉ494.00 Cr | β | βΉ93.00 Cr | β | β | β | 62.0% | 63.2% |
| Mar 2017 | βΉ305.00 Cr | β | βΉ57.00 Cr | β | β | β | 59.7% | 72.7% |
| Mar 2016 | βΉ191.00 Cr | β | βΉ33.00 Cr | β | β | β | 83.7% | 73.7% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 2,528 |
| Finance Costs | 1,070 |
| Total Expenses | 649 |
| Financing Profit | 808 |
| Financing Margin % | 32% |
| Other Income | 3 |
| Depreciation & Amortisation | 39 |
| Profit Before Tax | 772 |
| Tax % | - |
| Net Profit / PAT | 603 |
| EPS (βΉ) | 76.22 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| AAVAS Financiers Limitedthis co. | βΉ11.46 K Cr | βΉ2.35 K Cr | 19.00 | 2.45 | 0.00 | 16.7% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |