Aavas Financiers Ltd
AAVAS
Finance
₹ 1,811
Price
₹ 14,343
Market Cap
Mid Cap
24.98
P/E Ratio
📊 Score Snapshot
3.57 / 25
Performance
18.95 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
29.52 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | - | -251.85 | -247.64 | -149.71 | -143.73 | -151.89 | -162.57 | - |
| Adj Cash PAT | - | -1,995 | -1,956 | -1,183 | -1,130 | -1,189 | -1,271 | -982.00 |
| Adj Cash PAT To PAT | - | -4.06 | -4.55 | -3.31 | -3.89 | -4.78 | -7.22 | -10.56 |
| Adj EPS | 72.57 | 62.03 | 54.46 | 45.19 | 36.90 | 31.80 | 22.51 | - |
| Adj Number Of Shares | 7.91 | 7.92 | 7.90 | 7.90 | 7.86 | 7.83 | 7.82 | - |
| Adj PE | 28.75 | 25.83 | 29.58 | 55.63 | 65.75 | 35.61 | 50.64 | - |
| Adj Peg | 1.69 | 1.86 | 1.44 | 2.48 | 4.10 | 0.86 | - | - |
| Bvps | 551.33 | 476.39 | 413.92 | 355.57 | 305.47 | 267.94 | 234.91 | - |
| Cash Revenue | - | 4,036 | 3,216 | 2,608 | 2,206 | 1,804 | 1,420 | 988.00 |
| Cash Revenue To Revenue | - | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Fcfe | - | 502.32 | -97.38 | 442.31 | -102.75 | 519.68 | -346.27 | -994.00 |
| Fcfe Margin | - | 12.45 | -3.03 | 16.96 | -4.66 | 28.81 | -24.39 | -100.61 |
| Fcfe To Adj PAT | - | 1.02 | -0.23 | 1.24 | -0.35 | 2.09 | -1.97 | -10.69 |
| Market Cap | 16,501 | 12,661 | 12,725 | 19,863 | 19,005 | 8,867 | 8,913 | - |
| PB | 3.78 | 3.36 | 3.89 | 7.07 | 7.92 | 4.23 | 4.85 | - |
| PE | 28.76 | 25.78 | 29.60 | 55.62 | 65.56 | 35.60 | 50.61 | - |
| Peg | 1.69 | 1.85 | 1.45 | 2.47 | 4.11 | 0.86 | - | - |
| PS | 7.01 | 3.14 | 3.96 | 7.62 | 8.62 | 4.92 | 6.28 | - |
| ROE | 14.11 | 13.95 | 14.15 | 13.71 | 12.89 | 12.66 | 11.63 | 10.59 |
| Share Price | 2,086 | 1,599 | 1,611 | 2,514 | 2,418 | 1,132 | 1,140 | - |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 636.00 | 1,194 | 1,158 | 1,084 | 1,092 | 1,016 | 994.00 | 934.00 | 900.00 | 822.00 | 790.00 | 706.00 | 730.00 | 343.00 |
| Interest | 265.00 | 259.00 | 249.00 | 235.00 | 222.00 | 217.00 | 204.00 | 187.00 | 165.00 | 150.00 | 141.00 | 135.00 | 124.00 | 125.00 |
| Expenses - | 170.00 | 142.00 | 133.00 | 138.00 | 139.00 | 134.00 | 130.00 | 132.00 | 118.00 | 117.00 | 109.00 | 97.00 | 88.00 | 97.00 |
| Financing Profit | 202.00 | 196.00 | 198.00 | 169.00 | 186.00 | 157.00 | 163.00 | 148.00 | 167.00 | 144.00 | 144.00 | 121.00 | 153.00 | 121.00 |
| Financing Margin % | 31.76 | 16.42 | 17.10 | 15.59 | 17.03 | 15.45 | 16.40 | 15.85 | 18.56 | 17.52 | 18.23 | 17.14 | 20.96 | 35.28 |
| Other Income - | 1.28 | 1.18 | 1.29 | 0.17 | 0.78 | 1.19 | 0.78 | 0.04 | 0.71 | 0.71 | 0.33 | 0.09 | 0.22 | 0.29 |
| Depreciation | 10.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 8.00 | 7.00 | 9.00 | 7.00 | 7.00 | 6.00 | 7.00 | 6.00 |
| Profit Before Tax | 193.00 | 188.00 | 190.00 | 161.00 | 177.00 | 150.00 | 157.00 | 141.00 | 159.00 | 138.00 | 138.00 | 115.00 | 146.00 | 116.00 |
| Tax % | 20.21 | 22.34 | 22.11 | 21.74 | 19.21 | 22.00 | 22.29 | 21.99 | 20.13 | 22.46 | 22.46 | 22.61 | 20.55 | 23.28 |
| Net Profit - | 154.00 | 146.00 | 148.00 | 126.00 | 143.00 | 117.00 | 122.00 | 110.00 | 127.00 | 107.00 | 107.00 | 89.00 | 116.00 | 89.00 |
| Profit For PE | 154.00 | 146.00 | 148.00 | 126.00 | 143.00 | 117.00 | 122.00 | 110.00 | 127.00 | 107.00 | 107.00 | 89.00 | 116.00 | 89.00 |
| Profit For EPS | 154.00 | 146.00 | 148.00 | 126.00 | 143.00 | 117.00 | 122.00 | 110.00 | 127.00 | 107.00 | 107.00 | 89.00 | 116.00 | 89.00 |
| EPS In Rs | 19.42 | 18.50 | 18.69 | 15.93 | 18.02 | 14.74 | 15.38 | 13.87 | 16.04 | 13.57 | 13.52 | 11.30 | 14.65 | 11.29 |
| PAT Margin % | 24.21 | 12.23 | 12.78 | 11.62 | 13.10 | 11.52 | 12.27 | 11.78 | 14.11 | 13.02 | 13.54 | 12.61 | 15.89 | 25.95 |
| PBT Margin | 30.35 | 15.75 | 16.41 | 14.85 | 16.21 | 14.76 | 15.79 | 15.10 | 17.67 | 16.79 | 17.47 | 16.29 | 20.00 | 33.82 |
| Tax | 39.00 | 42.00 | 42.00 | 35.00 | 34.00 | 33.00 | 35.00 | 31.00 | 32.00 | 31.00 | 31.00 | 26.00 | 30.00 | 27.00 |
| Yoy Profit Growth % | 8.00 | 26.00 | 22.00 | 15.00 | 13.00 | 9.00 | 14.00 | 23.00 | 10.00 | 20.00 | 16.00 | 49.00 | 32.00 | 4.00 |
| Adj PAT | 154.00 | 146.00 | 148.00 | 126.00 | 143.00 | 117.00 | 122.00 | 110.00 | 127.00 | 107.00 | 107.00 | 89.00 | 116.00 | 89.00 |
| Adj PAT Margin | 24.21 | 12.23 | 12.78 | 11.62 | 13.10 | 11.52 | 12.27 | 11.78 | 14.11 | 13.02 | 13.54 | 12.61 | 15.89 | 25.95 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,355 | 4,036 | 3,216 | 2,608 | 2,206 | 1,804 | 1,420 | 988.00 | 610.00 | 382.00 | 208.00 | 108.00 |
| Interest | 1,007 | 828.00 | 591.00 | 478.00 | 458.00 | 356.00 | 255.00 | 193.00 | 143.00 | 97.00 | 53.00 | 30.00 |
| Expenses - | 582.00 | 535.00 | 441.00 | 349.00 | 273.00 | 225.00 | 188.00 | 161.00 | 72.00 | 43.00 | 21.00 | 14.00 |
| Financing Profit | 765.00 | 654.00 | 576.00 | 477.00 | 372.00 | 321.00 | 266.00 | 139.00 | 90.00 | 51.00 | 30.00 | 10.00 |
| Financing Margin % | 32.48 | 16.20 | 17.91 | 18.29 | 16.86 | 17.79 | 18.73 | 14.07 | 14.75 | 13.35 | 14.42 | 9.26 |
| Other Income - | 3.91 | 2.49 | 1.56 | 1.18 | 2.07 | 0.80 | 0.98 | 0.89 | 0.36 | 0.02 | 0.08 | 0.01 |
| Exceptional Items | - | 0.31 | 0.28 | 0.02 | 0.09 | - | 0.02 | 0.02 | - | - | - | - |
| Depreciation | 36.00 | 33.00 | 29.00 | 24.00 | 21.00 | 20.00 | 10.00 | 6.00 | 3.00 | 1.00 | 1.00 | - |
| Profit Before Tax | 733.00 | 624.00 | 549.00 | 455.00 | 353.00 | 302.00 | 258.00 | 134.00 | 88.00 | 50.00 | 29.00 | 9.00 |
| Tax % | 21.69 | 21.31 | 21.68 | 21.54 | 17.85 | 17.55 | 31.78 | 30.60 | 35.23 | 34.00 | 34.48 | 33.33 |
| Net Profit - | 574.00 | 491.00 | 430.00 | 357.00 | 290.00 | 249.00 | 176.00 | 93.00 | 57.00 | 33.00 | 19.00 | 6.00 |
| Profit For PE | 574.00 | 490.00 | 430.00 | 357.00 | 289.00 | 249.00 | 176.00 | 93.00 | 57.00 | 33.00 | 19.00 | 6.00 |
| Profit For EPS | 574.00 | 491.00 | 430.00 | 357.00 | 290.00 | 249.00 | 176.00 | 93.00 | 57.00 | 33.00 | 19.00 | 6.00 |
| EPS In Rs | 72.53 | 62.00 | 54.41 | 45.20 | 36.88 | 31.81 | 22.52 | - | - | - | - | - |
| PAT Margin % | 24.37 | 12.17 | 13.37 | 13.69 | 13.15 | 13.80 | 12.39 | 9.41 | 9.34 | 8.64 | 9.13 | 5.56 |
| PBT Margin | 31.13 | 15.46 | 17.07 | 17.45 | 16.00 | 16.74 | 18.17 | 13.56 | 14.43 | 13.09 | 13.94 | 8.33 |
| Tax | 159.00 | 133.00 | 119.00 | 98.00 | 63.00 | 53.00 | 82.00 | 41.00 | 31.00 | 17.00 | 10.00 | 3.00 |
| Adj PAT | 574.00 | 491.24 | 430.22 | 357.02 | 290.07 | 249.00 | 176.01 | 93.01 | 57.00 | 33.00 | 19.00 | 6.00 |
| Adj PAT Margin | 24.37 | 12.17 | 13.38 | 13.69 | 13.15 | 13.80 | 12.40 | 9.41 | 9.34 | 8.64 | 9.13 | 5.56 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 138.00 | - | 110.00 | 82.00 | 60.00 | 40.00 | 21.00 | 11.00 |
| Average Total Assets | 17,568 | 15,962 | 14,965 | - | 12,216 | 9,990 | 8,308 | 6,642 | 4,834 | 3,246 |
| Average Total Equity | 4,067 | 3,780 | 3,522 | - | 3,040 | 2,605 | 2,250 | 1,968 | 1,514 | 878.00 |
| Borrowing | 13,918 | - | 12,398 | - | 9,887 | 8,012 | 6,378 | 5,382 | 3,653 | 2,755 |
| Cwip | - | - | 11.00 | - | 20.00 | 2.00 | - | 1.00 | - | - |
| Cash Equivalents | 1,560 | 1,415 | 1,798 | 2,002 | 1,382 | 1,530 | 1,121 | 1,192 | 679.00 | 565.00 |
| Fixed Assets | 144.00 | 142.00 | 116.00 | 114.00 | 78.00 | 66.00 | 58.00 | 60.00 | 23.00 | 18.00 |
| Gross Block | - | - | 254.00 | - | 188.00 | 148.00 | 118.00 | 100.00 | 43.00 | 30.00 |
| Investments | 230.00 | 208.00 | 182.00 | 153.00 | 123.00 | 68.00 | 4.00 | 4.00 | 4.00 | 4.00 |
| Lease Liabilities | - | 71.00 | - | 55.00 | - | - | - | 30.00 | - | - |
| Loans N Advances | 16,230 | 14,715 | 27.00 | - | 11.00 | 12.00 | 6.00 | 19.00 | 20.00 | - |
| Long Term Borrowings | - | 12,408 | - | 11,144 | - | - | - | 5,352 | 3,653 | 2,738 |
| Net Debt | -1,790 | 10,856 | 10,418 | 9,045 | 8,382 | 6,414 | 5,253 | 4,186 | 2,970 | 2,186 |
| Other Asset Items | 444.00 | 397.00 | 14,373 | 12,769 | 11,794 | 9,342 | 7,770 | 6,380 | 4,900 | 3,452 |
| Other Borrowings | - | - | 12,398 | - | 9,887 | 8,012 | 6,378 | - | - | 17.00 |
| Other Liability Items | 334.00 | 344.00 | 317.00 | 305.00 | 245.00 | 196.00 | 178.00 | 160.00 | 127.00 | 86.00 |
| Reserves | 4,282 | 3,969 | 3,694 | 3,434 | 3,191 | 2,730 | 2,323 | 2,020 | 1,759 | 1,121 |
| Share Capital | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 78.00 | 78.00 | 78.00 | 69.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | - | - |
| Short Term Loans And Advances | - | - | 2.00 | - | 2.00 | 2.00 | 1.00 | 2.00 | 1.00 | - |
| Total Assets | 18,618 | 16,885 | 16,519 | 15,038 | 13,411 | 11,020 | 8,960 | 7,657 | 5,627 | 4,040 |
| Total Borrowings | - | 12,479 | 12,398 | 11,200 | 9,887 | 8,012 | 6,378 | 5,382 | 3,653 | 2,755 |
| Total Equity | 4,361 | 4,048 | 3,773 | 3,513 | 3,270 | 2,809 | 2,401 | 2,098 | 1,837 | 1,190 |
| Total Equity And Liabilities | 18,618 | 16,885 | 16,519 | 15,038 | 13,411 | 11,020 | 8,960 | 7,657 | 5,627 | 4,040 |
| Total Liabilities | 14,257 | 12,837 | 12,746 | 11,525 | 10,141 | 8,211 | 6,559 | 5,559 | 3,790 | 2,850 |
| Trade Payables | 5.00 | 13.00 | 31.00 | 20.00 | 9.00 | 4.00 | 3.00 | 17.00 | 9.00 | 9.00 |
| Trade Receivables | 11.00 | 9.00 | 12.00 | - | 1.00 | - | - | - | - | - |
💵 Cash Flows
| Metric | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 2,477 | 1,858 | 1,623 | 1,008 | 1,705 | 1,404 | 1,240 | 640.00 |
| Cash From Investing Activity | -647.00 | 196.00 | -467.00 | -265.00 | -342.00 | -327.00 | -218.00 | -15.00 |
| Cash From Operating Activity | -1,987 | -1,920 | -1,136 | -1,071 | -1,172 | -1,276 | -933.00 | -591.00 |
| Cash Paid For Acquisition Of Companies | - | - | -10.00 | - | - | - | - | - |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | - | - | -4.00 | - |
| Cash Paid For Loan Advances | -2,546 | -2,435 | -1,550 | -1,371 | -1,465 | -1,396 | - | -678.38 |
| Cash Paid For Purchase Of Fixed Assets | -33.00 | -39.00 | -16.00 | -8.00 | -20.00 | -14.00 | -14.00 | -7.00 |
| Cash Paid For Purchase Of Investments | -71.00 | -58.00 | -53.00 | - | - | - | - | -1.00 |
| Cash Paid For Redemption And Cancellation Of Shares | 12.00 | - | - | - | - | - | - | - |
| Cash Paid For Redemption Of Debentures | - | - | -3.00 | -1.00 | -9.00 | -13.00 | - | - |
| Cash Paid For Repayment Of Borrowings | -2,014 | -1,943 | -1,982 | -1,337 | -643.00 | -523.00 | - | -371.00 |
| Cash Received From Borrowings | 4,510 | 3,811 | 3,612 | 2,352 | 2,361 | 1,465 | - | 707.00 |
| Cash Received From Issue Of Shares | 2.00 | 8.00 | 10.00 | 5.00 | 5.00 | 475.00 | 441.00 | 309.00 |
| Cash Received From Sale Of Fixed Assets | 1.00 | 1.00 | - | - | - | - | - | - |
| Cash Received From Sale Of Investments | 17.00 | 10.00 | - | - | - | - | - | - |
| Change In Other Working Capital Items | 60.45 | 48.46 | 10.73 | -48.82 | 26.29 | -51.61 | -1,075 | 16.33 |
| Change In Working Capital | -2,486 | -2,387 | -1,540 | -1,420 | -1,438 | -1,447 | -1,075 | -662.05 |
| Direct Taxes Paid | -130.56 | -92.93 | -74.81 | -54.20 | -61.26 | -68.10 | -41.85 | -24.67 |
| Net Cash Flow | -156.00 | 134.00 | 20.00 | -328.00 | 191.00 | -199.00 | 90.00 | 34.00 |
| Other Cash Financing Items Paid | -21.00 | -17.00 | -14.00 | -11.00 | -10.00 | - | 799.00 | -5.00 |
| Other Cash Investing Items Paid | -572.00 | 283.00 | -389.00 | -257.00 | -322.00 | -313.00 | -199.00 | -7.00 |
| Profit From Operations | 629.88 | 559.71 | 478.62 | 403.31 | 327.32 | 239.30 | 183.95 | 96.07 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Aavas | 2025-03-31 | - | 29.67 | 10.75 | 33.11 | 0.00 |
| Aavas | 2024-12-31 | - | 33.97 | 25.69 | 13.87 | 0.00 |
| Aavas | 2024-09-30 | - | 35.50 | 25.55 | 12.49 | 0.00 |
| Aavas | 2024-06-30 | - | 35.88 | 24.39 | 13.26 | 0.00 |
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