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Aavas Financiers Results

Financial overview

CAGR%
Sales
Profits
Returns
ROE
10Y5Y3YTTM
30%19%19%14%
35%18%15%14%
--13%-8%-22%
13%14%14%14%

Peer Comparison

Symbol
BAJAJHFL
PIRAMALFIN
HUDCO
LICHSGFIN
PNBHOUSING
AADHARHFC
SAMMAANCAP
HOMEFIRST
APTUS
AAVAS
PriceM.Cap (₹)PE RatioEPS (₹)EV/EBITDAAnnual PAT
82.96₹69575 Cr25.840.863.29₹2560 Cr
2,104.3₹52887 Cr31.3520.29109.4₹1504 Cr
174.32₹35674 Cr8.384.2521.31₹4034 Cr
564.25₹31486 Cr5.4927.23106.64₹5604 Cr
1,094.5₹29732 Cr12.8421.3991.38₹2291 Cr
446.7₹19870 Cr17.426.4626.8₹1096 Cr
140.55₹16816 Cr2.12-61.38-₹7145 Cr
1,157.5₹12600 Cr21.6715.2957.49₹540 Cr
240.92₹12563 Cr12.765.2119.93₹943 Cr
1,256.4₹10193 Cr14.8421.692.28₹655 Cr

Profit & Loss

Consolidated
Standalone
Quarterly
Yearly
%

Balance Sheet

Consolidated
Standalone
%
Name
Equity And Liabilities
Share Capital
Share Warrants & Outstandings
Total Reserves
Reserve excluding Revaluation Reserve
Shareholder's Funds
Secured Loans
Unsecured Loans
Deferred Tax Assets / Liabilities
Other Long Term Liabilities
Long Term Provisions
Total Non-Current Liabilities
Current Liabilities
Trade Payables
Other Current Liabilities
Short Term Borrowings
Short Term Provisions
Total Current Liabilities
Total Liabilities
Contingent Liabilities
Total Debt
Assets
Loans (Non - Current Assets)
Gross Block
Less Accumulated Depreciation
Net Block
Capital Work in Progress
Non Current Investments
Long Term Investment
Long Term Loans & Advances
Other Non Current Assets
Total Non-Current Assets
Current Assets Loans & Advances
Currents Investments
Sundry Debtors
Cash and Bank
Other Current Assets
Short Term Loans and Advances
Total Current Assets
Net Current Assets (Including Current Investments)
Total Assets
Book Value
Adjusted Book Value
Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012
₹79 Cr₹79 Cr₹79 Cr₹79 Cr₹79 Cr₹79 Cr₹78 Cr₹78 Cr₹69 Cr₹58 Cr₹38 Cr₹33 Cr₹30 Cr₹27 Cr₹27 Cr
₹76 Cr₹63 Cr₹52 Cr₹44 Cr₹31 Cr₹18 Cr₹12 Cr₹7 Cr₹33 Cr₹0₹0₹0₹0₹0₹0
₹4895 Cr₹4219 Cr₹3643 Cr₹3146 Cr₹2699 Cr₹2305 Cr₹2008 Cr₹1751 Cr₹1088 Cr₹508 Cr₹165 Cr₹69 Cr₹25 Cr₹2 Cr-₹3 L
₹4895 Cr₹4219 Cr₹3643 Cr₹3146 Cr₹2699 Cr₹2305 Cr₹2008 Cr₹1751 Cr₹1088 Cr₹508 Cr₹165 Cr₹69 Cr₹25 Cr₹2 Cr-₹3 L
₹5051 Cr₹4361 Cr₹3773 Cr₹3270 Cr₹2809 Cr₹2401 Cr₹2098 Cr₹1837 Cr₹1190 Cr₹566 Cr₹204 Cr₹101 Cr₹55 Cr₹29 Cr₹27 Cr
₹12641 Cr₹11574 Cr₹9964 Cr₹6544 Cr₹5136 Cr₹4184 Cr₹4035 Cr₹2379 Cr₹2193 Cr₹1480 Cr₹1166 Cr₹494 Cr₹242 Cr₹101 Cr₹0
₹0₹0₹0₹607 Cr₹557 Cr₹199 Cr₹199 Cr₹198 Cr₹0₹30 Cr₹30 Cr₹30 Cr₹15 Cr₹0₹0
₹100 Cr₹76 Cr₹60 Cr₹50 Cr₹35 Cr₹29 Cr₹32 Cr₹43 Cr₹11 Cr₹6 Cr₹2 Cr₹1 Cr₹25 L-₹7 L-₹85,000
₹76 Cr₹53 Cr₹48 Cr₹36 Cr₹29 Cr₹24 Cr₹2 Cr₹72 L₹45 L₹12 L₹10 Cr₹4 Cr₹0₹0₹0
₹4 Cr₹5 Cr₹5 Cr₹7 Cr₹4 Cr₹4 Cr₹7 Cr₹4 Cr₹3 Cr₹14 Cr₹8 Cr₹4 Cr₹2 Cr₹94 L₹28,000
₹12821 Cr₹11708 Cr₹10077 Cr₹7244 Cr₹5762 Cr₹4440 Cr₹4275 Cr₹2625 Cr₹2208 Cr₹1530 Cr₹1217 Cr₹533 Cr₹260 Cr₹102 Cr-₹57,000
₹11 Cr₹5 Cr₹31 Cr₹9 Cr₹4 Cr₹3 Cr₹17 Cr₹9 Cr₹9 Cr₹0₹0₹0₹0₹14 L₹34,000
₹370 Cr₹265 Cr₹249 Cr₹199 Cr₹167 Cr₹154 Cr₹149 Cr₹79 Cr₹88 Cr₹275 Cr₹176 Cr₹129 Cr₹59 Cr₹28 Cr₹1 L
₹2952 Cr₹2276 Cr₹2386 Cr₹2689 Cr₹2279 Cr₹1962 Cr₹1118 Cr₹1076 Cr₹544 Cr₹79 Cr₹113 Cr₹88 Cr₹44 Cr₹26 Cr₹0
₹8 Cr₹4 Cr₹4 Cr₹0₹0₹0₹0₹0₹73 L₹68 L₹34 L₹23 L₹47 L₹98 L₹4 L
₹3341 Cr₹2550 Cr₹2669 Cr₹2897 Cr₹2450 Cr₹2119 Cr₹1284 Cr₹1165 Cr₹642 Cr₹355 Cr₹290 Cr₹217 Cr₹103 Cr₹56 Cr₹5 L
₹21213 Cr₹18619 Cr₹16520 Cr₹13411 Cr₹11020 Cr₹8960 Cr₹7657 Cr₹5627 Cr₹4040 Cr₹2451 Cr₹1711 Cr₹852 Cr₹418 Cr₹187 Cr₹27 Cr
₹21 L₹17 L₹0₹0₹0₹0₹0₹0₹0₹0₹0₹0₹0₹0₹0
₹15592 Cr₹13850 Cr₹12350 Cr₹9841 Cr₹7973 Cr₹6345 Cr₹5352 Cr₹3653 Cr₹2738 Cr₹1793 Cr₹1447 Cr₹704 Cr₹354 Cr₹151 Cr₹0
₹18373 Cr₹16230 Cr₹14004 Cr₹11476 Cr₹9053 Cr₹7523 Cr₹6181 Cr₹4724 Cr₹3333 Cr₹2059 Cr₹1402 Cr₹790 Cr₹385 Cr₹169 Cr₹69 L
₹369 Cr₹303 Cr₹254 Cr₹188 Cr₹148 Cr₹118 Cr₹100 Cr₹43 Cr₹30 Cr₹16 Cr₹8 Cr₹7 Cr₹6 Cr₹2 Cr₹0
₹200 Cr₹169 Cr₹138 Cr₹110 Cr₹82 Cr₹60 Cr₹40 Cr₹21 Cr₹11 Cr₹6 Cr₹3 Cr₹1 Cr₹48 L₹7 L₹0
₹169 Cr₹134 Cr₹116 Cr₹78 Cr₹66 Cr₹58 Cr₹60 Cr₹23 Cr₹18 Cr₹10 Cr₹6 Cr₹5 Cr₹5 Cr₹2 Cr₹0
₹0₹0₹0₹0₹0₹0₹31 L₹0₹0₹0₹0₹0₹3 L₹11 L₹0
₹204 Cr₹145 Cr₹128 Cr₹123 Cr₹68 Cr₹5 Cr₹5 Cr₹5 Cr₹5 Cr₹75 L₹0₹0₹0₹0₹0
₹204 Cr₹145 Cr₹128 Cr₹123 Cr₹68 Cr₹5 Cr₹5 Cr₹5 Cr₹5 Cr₹75 L₹0₹0₹0₹0₹0
₹0₹0₹0₹5 Cr₹4 Cr₹3 Cr₹3 Cr₹5 Cr₹1 Cr₹84 L₹36 L₹18 L₹13 L₹1 Cr₹0
₹287 Cr₹217 Cr₹191 Cr₹0₹0₹0₹0₹22 L₹20 L₹4 L₹50,000₹0₹0₹0₹0
₹19041 Cr₹16736 Cr₹14450 Cr₹11703 Cr₹9193 Cr₹7590 Cr₹6249 Cr₹4758 Cr₹3358 Cr₹2071 Cr₹1408 Cr₹795 Cr₹390 Cr₹171 Cr₹69 L
₹67 Cr₹85 Cr₹54 Cr₹0₹0₹0₹0₹0₹0₹3 L₹0₹0₹0₹0₹0
₹15 Cr₹11 Cr₹12 Cr₹1 Cr₹0₹0₹0₹0₹0₹6 Cr₹3 Cr₹2 Cr₹1 Cr₹48 L₹0
₹1843 Cr₹1560 Cr₹1789 Cr₹1382 Cr₹1530 Cr₹1121 Cr₹1192 Cr₹679 Cr₹565 Cr₹276 Cr₹235 Cr₹11 Cr₹2 Cr₹6 Cr₹26 Cr
₹246 Cr₹226 Cr₹200 Cr₹24 Cr₹25 Cr₹36 Cr₹11 Cr₹13 Cr₹2 Cr₹23 Cr₹11 Cr₹5 Cr₹2 Cr₹2 L₹7 L
₹0₹73 L₹12 Cr₹288 Cr₹249 Cr₹195 Cr₹189 Cr₹168 Cr₹109 Cr₹74 Cr₹54 Cr₹39 Cr₹22 Cr₹9 Cr₹8 L
₹2171 Cr₹1883 Cr₹2068 Cr₹1695 Cr₹1804 Cr₹1352 Cr₹1391 Cr₹859 Cr₹676 Cr₹379 Cr₹303 Cr₹57 Cr₹28 Cr₹15 Cr₹27 Cr
-₹1169 Cr-₹667 Cr-₹602 Cr-₹1201 Cr-₹646 Cr-₹767 Cr₹107 Cr-₹305 Cr₹34 Cr₹25 Cr₹13 Cr-₹160 Cr-₹75 Cr-₹40 Cr₹27 Cr
₹21213 Cr₹18619 Cr₹16520 Cr₹13411 Cr₹11020 Cr₹8960 Cr₹7657 Cr₹5627 Cr₹4040 Cr₹2451 Cr₹1711 Cr₹852 Cr₹418 Cr₹187 Cr₹27 Cr
₹627₹543₹470₹408₹352₹304₹266₹234₹167₹97₹53₹31₹19₹11₹10
₹627₹543₹470₹408₹352₹304₹266₹234₹167₹97₹47₹27₹16₹9₹9

Cash Flow

Consolidated
Standalone
%
Name
Profit Before Tax
Adjustment
Changes In working Capital
Cash Flow after changes in Working Capital
Cash Flow from Operating Activities
Cash Flow from Investing Activities
Cash Flow from Financing Activitie
Net Cash Inflow / Outflow
Opening Cash & Cash Equivalents
Closing Cash & Cash Equivalent
Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012
₹840 Cr₹733 Cr₹624 Cr₹549 Cr₹455 Cr₹353 Cr₹302 Cr₹258 Cr₹134 Cr₹88 Cr₹50 Cr₹29 Cr₹9 Cr₹3 Cr₹8 L
-₹3 Cr₹2 Cr₹5 Cr₹11 Cr₹24 Cr₹50 Cr₹25 Cr-₹18 Cr₹50 Cr₹9 Cr₹5 Cr₹4 Cr₹2 Cr₹82 L₹15 L
-₹2065 Cr-₹2263 Cr-₹2500 Cr-₹2387 Cr-₹1540 Cr-₹1420 Cr-₹1438 Cr-₹1447 Cr-₹1075 Cr-₹662 Cr-₹632 Cr-₹394 Cr-₹231 Cr-₹175 Cr-₹82 L
-₹1228 Cr-₹1528 Cr-₹1870 Cr-₹1827 Cr-₹1061 Cr-₹1017 Cr-₹1111 Cr-₹1208 Cr-₹891 Cr-₹566 Cr-₹577 Cr-₹362 Cr-₹220 Cr-₹172 Cr-₹59 L
-₹1386 Cr-₹1660 Cr-₹2001 Cr-₹1920 Cr-₹1136 Cr-₹1071 Cr-₹1172 Cr-₹1276 Cr-₹933 Cr-₹591 Cr-₹591 Cr-₹370 Cr-₹223 Cr-₹172 Cr-₹64 L
-₹117 Cr₹176 Cr-₹646 Cr₹196 Cr-₹467 Cr-₹265 Cr-₹342 Cr-₹327 Cr-₹218 Cr-₹15 Cr-₹100 L-₹2 Cr₹97 L-₹10 L-₹6 Cr
₹1720 Cr₹1475 Cr₹2491 Cr₹1858 Cr₹1623 Cr₹1008 Cr₹1705 Cr₹1404 Cr₹1240 Cr₹640 Cr₹816 Cr₹379 Cr₹224 Cr₹151 Cr₹25 Cr
₹217 Cr-₹9 Cr-₹156 Cr₹134 Cr₹20 Cr-₹328 Cr₹191 Cr-₹199 Cr₹90 Cr₹34 Cr₹224 Cr₹8 Cr₹2 Cr-₹22 Cr₹18 Cr
₹11 Cr₹21 Cr₹177 Cr₹42 Cr₹22 Cr₹350 Cr₹160 Cr₹358 Cr₹269 Cr₹235 Cr₹11 Cr₹2 Cr₹68 L₹20 Cr₹2 Cr
₹229 Cr₹11 Cr₹21 Cr₹177 Cr₹42 Cr₹22 Cr₹350 Cr₹160 Cr₹358 Cr₹269 Cr₹235 Cr₹11 Cr₹2 Cr-₹2 Cr₹20 Cr

Fundamental Ratios

Consolidated
Standalone

Share Price Live Stats

Open (₹)1,270.00
Volume (₹)88,763.00
High (₹)1,270.00
Upper Circuit1,542.90
Low (₹)1,243.00
Lower Circuit1,028.70
Prev Close1,285.80
52W High (₹)1,771.90
Price1,256.40
52W Low (₹)1,060.40

Share Market Cap & Key Ratios Overview

M.Cap (₹)10193.30 Cr
Div. Yield (%)0.00
PE Ratio14.84
Debt to Equity3.13
Price to Book1.72
Book Value627.45
EPS (TTM)86.63
Face Value10.00
ROE (%)14.12

Stock Analysis (SWOT)

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Peer Stocks

1 week
1 month
1 year
Name
BAJAJHFLNSE
PIRAMALFINNSE
HUDCONSE
LICHSGFINNSE
PNBHOUSINGNSE
AADHARHFCNSE
SAMMAANCAPNSE
HOMEFIRSTNSE
APTUSNSE
AAVASNSE
LTP
1W Low
1W High
Market cap (₹)
82.96-2.62 (-3.06%)
82.08
85.47
69,575Cr
2104.3-195.9 (-8.52%)
1781.20
2304.80
52,887Cr
174.32-0.6 (-0.34%)
171.15
179.20
35,674Cr
564.25+16.1 (2.94%)
543.65
576.70
31,486Cr
1094.5-38.6 (-3.41%)
1085.70
1154.60
29,732Cr
446.7-14.95 (-3.24%)
444.30
470.25
19,870Cr
140.55-3.37 (-2.34%)
140
146.29
16,816Cr
1157.5-83.8 (-6.75%)
1153.30
1273.90
12,600Cr
240.92+3.24 (1.36%)
234.50
253.23
12,563Cr
1256.4-28.2 (-2.20%)
1243
1342.60
10,193Cr

Aavas Financiers Ltd Annual Results Key Takeaways

Operating profit (before other income, interest and exceptional items) was ₹408.02Cr; with other income of ₹78.2Lakh, profit before interest and tax came to ₹398.92Cr. Interest expense was ₹221.56Cr; PBT before exceptional items stood at ₹177.36Cr. Basis: consolidated annual results.

Aavas Financiers Ltd Quaterly Results Key Takeaways

Aavas Financiers Ltd reported ₹546.02Cr total income from operations in Mar 2024, softer than ₹508.07Cr in Dec 2023 but higher than ₹449.69Cr in Mar 2023. Operating profit (before other income, interest and exceptional items) was ₹408.02Cr; with other income of ₹78.2Lakh, profit before interest and tax came to ₹398.92Cr. Interest expense was ₹221.56Cr, taking profit before tax to ₹177.36Cr. After tax of ₹34.88Cr, profit after tax stood at ₹142.48Cr (vs ₹116.72Cr in Dec 2023 and ₹126.83Cr in Mar 2023).