| Quarterly Financials | Jun 2018 | Sept 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sept 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 |
Revenue  | 147 | 164 | 195 | 205 | 198 | 231 | 239 | 235 | 234 | 271 | 310 | 291 | 272 | 326 | 343 | 365 | 353 | 395 | 412 | 450 | 467 | 498 | 509 | 547 | 543 |
| Expenses | 45 | 42 | 48 | 53 | 51 | 50 | 59 | 66 | 54 | 67 | 78 | 76 | 80 | 86 | 97 | 89 | 98 | 110 | 117 | 118 | 132 | 129 | 134 | 139 | 138 |
| EBITDA | 103 | 122 | 147 | 152 | 147 | 181 | 181 | 169 | 180 | 204 | 233 | 215 | 192 | 240 | 246 | 277 | 255 | 286 | 295 | 332 | 335 | 369 | 375 | 408 | 405 |
| Operating Profit % | 70 % | 74 % | 75 % | 74 % | 74 % | 78 % | 75 % | 72 % | 77 % | 75 % | 75 % | 74 % | 70 % | 74 % | 72 % | 76 % | 72 % | 72 % | 72 % | 74 % | 72 % | 74 % | 74 % | 75 % | 75 % |
| Depreciation | 2 | 2 | 3 | 3 | 2 | 7 | 5 | 6 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 7 | 6 | 7 | 7 | 9 | 7 | 8 | 9 | 9 | 9 |
| Interest | 58 | 63 | 63 | 72 | 80 | 83 | 95 | 97 | 112 | 114 | 117 | 115 | 113 | 116 | 125 | 124 | 135 | 141 | 150 | 165 | 187 | 204 | 217 | 222 | 235 |
| Profit Before Tax | 43 | 57 | 81 | 77 | 64 | 91 | 80 | 66 | 63 | 84 | 110 | 95 | 74 | 118 | 115 | 146 | 114 | 138 | 138 | 159 | 141 | 157 | 150 | 177 | 161 |
| Tax | 13 | 22 | 25 | 23 | 19 | 15 | 13 | 6 | 13 | 18 | 25 | 7 | 15 | 26 | 26 | 30 | 25 | 31 | 31 | 32 | 31 | 36 | 33 | 35 | 35 |
| Net Profit | 30 | 35 | 56 | 54 | 45 | 76 | 68 | 60 | 50 | 66 | 86 | 87 | 59 | 92 | 89 | 116 | 89 | 107 | 107 | 127 | 110 | 122 | 117 | 143 | 126 |
| EPS in ₹ | 4.32 | 4.91 | 7.22 | 6.96 | 5.81 | 9.73 | 8.68 | 7.63 | 6.38 | 8.43 | 10.90 | 11.15 | 7.52 | 11.69 | 11.25 | 14.63 | 11.28 | 13.51 | 13.56 | 16.05 | 13.89 | 15.38 | 14.75 | 18.00 | 15.93 |
Aavas Financiers
1,805.00
+34.20
(1.93%)
Market Cap
14,285.45 Cr
EPS
62.03
PE Ratio
28.57
Dividend Yield
0.00 %
Industry
Financial Services52 Week High
1,978.95
52 Week low
1,307.00
PB Ratio
3.71
Debt to Equity
3.16
Sector
Housing Finance
Live Chart 
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from19 analysts
Peer Comparison Compare Peers on Screener
| Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
| 114.10 | 95,024.15 | 48.40 | 7,617.70 | 34.46 | 1,731 | 25.40 | 49.70 | |
| 518.35 | 28,512.52 | 5.70 | 27,277.80 | 20.02 | 4,760 | 22.75 | 47.41 | |
| 797.80 | 20,731.24 | 11.26 | 7,057.10 | 8.08 | 1,508 | 42.82 | 43.60 | |
| 422.45 | 18,194.06 | 21.42 | 2,587.00 | 26.60 | 750 | 17.13 | 68.21 | |
| 299.50 | 14,969.43 | 21.57 | 1,416.80 | 24.98 | 612 | 20.88 | 50.78 | |
| 1,805.00 | 14,285.45 | 28.57 | 2,020.70 | 25.46 | 491 | 14.85 | 70.40 | |
| 109.25 | 9,038.39 | 7.99 | 8,624.80 | -1.16 | 1,217 | -0.07 | 32.78 | |
| 997.50 | 8,945.55 | 24.49 | 1,156.50 | 45.36 | 306 | 23.60 | 50.62 | |
| 758.30 | 8,157.22 | 23.62 | 861.40 | 42.10 | 248 | 54.25 | 69.86 | |
| 598.00 | 7,962.62 | 9.80 | 3,524.70 | 28.49 | 751 | 6.00 | 45.70 |
Growth Rate
Revenue Growth
25.46 %
Net Income Growth
14.22 %
Cash Flow Change
-3.25 %
ROE
-1.07 %
ROCE
3.82 %
EBITDA Margin (Avg.)
1.42 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Total Assets | 4,040 | 5,627 | 7,657 | 8,959 | 11,018 | 13,410 | 16,520 |
| Fixed Assets | 18 | 23 | 60 | 58 | 66 | 78 | 116 |
| Current Assets | 688 | 880 | 1,416 | 1,377 | 1,843 | 1,724 | 2,206 |
| Capital Work in Progress | 0 | 0 | 1 | 0 | 2 | 20 | 11 |
| Investments | 0 | 0 | 0 | 0 | 53 | 111 | 182 |
| Other Assets | 4,022 | 5,604 | 7,596 | 8,901 | 10,897 | 13,200 | 16,210 |
| Total Liabilities | 4,040 | 5,627 | 7,657 | 8,959 | 11,018 | 13,410 | 16,520 |
| Current Liabilities | 101 | 94 | 145 | 152 | 165 | 203 | 288 |
| Non Current Liabilities | 2,749 | 3,696 | 5,414 | 6,406 | 8,047 | 9,937 | 12,459 |
| Total Equity | 1,190 | 1,837 | 2,098 | 2,401 | 2,806 | 3,270 | 3,773 |
| Reserve & Surplus | 1,120 | 1,759 | 2,020 | 2,322 | 2,727 | 3,191 | 3,694 |
| Share Capital | 69 | 78 | 78 | 79 | 79 | 79 | 79 |
Cash Flow
| Cash Flow | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Net Cash Flow | 90 | -199 | 191 | -329 | 26 | 130 | -157 |
| Investing Activities | -218 | -327 | -342 | -265 | -463 | 196 | -648 |
| Operating Activities | -933 | -1,276 | -1,172 | -1,071 | -1,135 | -1,924 | -1,987 |
| Financing Activities | 1,240 | 1,404 | 1,705 | 1,008 | 1,623 | 1,858 | 2,477 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 |
| Promoter | 50.08 % | 50.07 % | 39.22 % | 39.21 % | 39.20 % | 39.19 % | 39.16 % | 39.15 % | 39.14 % | 39.13 % | 39.11 % | 39.10 % | 26.47 % | 26.47 % | 26.47 % | 26.47 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.04 % | 0.04 % | 0.00 % | 35.50 % | 0.00 % | 34.79 % | 35.88 % | 35.50 % | 33.97 % |
| DIIs | 6.97 % | 6.51 % | 8.25 % | 8.42 % | 8.30 % | 8.40 % | 9.00 % | 10.92 % | 10.95 % | 14.35 % | 14.15 % | 13.85 % | 24.00 % | 24.40 % | 25.56 % | 25.69 % |
| Government | 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 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 8.87 % | 8.88 % | 9.79 % | 9.72 % | 9.87 % | 10.29 % | 6.27 % | 6.27 % | 5.71 % | 9.13 % | 8.67 % | 10.36 % | 11.70 % | 10.38 % | 9.86 % | 10.50 % |
| Others | 34.08 % | 34.53 % | 42.74 % | 42.66 % | 42.62 % | 42.11 % | 45.57 % | 43.61 % | 44.16 % | 37.39 % | 2.57 % | 36.68 % | 3.04 % | 2.87 % | 2.61 % | 3.36 % |
| No of Share Holders | 25,935 | 30,154 | 42,335 | 42,777 | 50,248 | 54,261 | 58,409 | 62,631 | 60,388 | 94,788 | 1,07,718 | 1,32,644 | 1,51,680 | 1,44,395 | 1,44,452 | 1,47,894 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Corporate Action
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Announcements
Announcement under Regulation 30 (LODR)-Credit Rating
Updates on Open Offer
Announcement under Regulation 30 (LODR)-Newspaper Publication
Updates on Open Offer
Notice Of 26Th Extraordinary General Meeting Of The Aavas Financiers Limited.
Updates on Open Offer
Announcement under Regulation 30 (LODR)-Amendments to Memorandum & Articles of Association
Updates on Open Offer
Updates on Open Offer
Updates on Open Offer
Updates on Open Offer
Updates on Open Offer
Updates on Open Offer
Updates on Open Offer
Updates on Open Offer
Updates on Open Offer
Updates on Open Offer
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Updates on Open Offer
Announcement under Regulation 30 (LODR)-Newspaper Publication
Announcement under Regulation 30 (LODR)-Open Offer - Updates
Letter of Offer
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Newspaper Publication
Intimation Under Regulation 30 And 51 Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Newspaper Publication
Disclosure Under Regulation 30(5) Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015
Audio Recording Of Earnings Conference Call For The Quarter And Nine Months Ended December 31 2024
Appointment of Company Secretary and Compliance Officer
Announcement under Regulation 30 (LODR)-Resignation of Company Secretary / Compliance Officer
Integrated Filing (Financial)
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Announcement under Regulation 30 (LODR)-Investor Presentation
Unaudited Financial Results For The Quarter And Nine Months Ended December 31 2024
Board Meeting Outcome for Outcome Of Board Meeting Held On January 30 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Intimation Under Regulation 30 And 51 Of SEBI (LODR) Regulation 2015
Intimation Under Regulations 30 And 51 Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015- Dissolution Of Wholly Owned Subsidiary Of The C
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Board Meeting Intimation for Intimation Of Board Meeting Under Regulation 29 And 50 Of Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015
Announcement under Regulation 30 (LODR)-Allotment
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018
Outcome Of Executive Committee Meeting Of Board Of Directors Of The Company And Disclosure Under Regulation 30 And 51 Of Securities And Exchange Board Of India (Listing Obligations And Disclosure Requ
Board Meeting Outcome for Board Meeting Outcome For Outcome Of Executive Committee Meeting Of The Board Of Directors Held On January 07 2025.
Board Meeting Intimation for Board Meeting Intimation For The Meeting Of Executive Committee Of The Board Of Directors.
Intimation Of Change Of Name Of Registrar And Share Transfer Agent.
Company Filings to Exchanges
Feb 2025
Technical Indicators
RSI(14)
Neutral 70.40
ATR(14)
Volatile 43.05
STOCH(9,6)
Neutral 44.20
STOCH RSI(14)
Overbought 91.04
MACD(12,26)
Bullish 7.54
ADX(14)
Weak Trend 18.21
UO(9)
Bearish 47.51
ROC(12)
Uptrend And Accelerating 5.17
WillR(14)
Neutral -42.89
About Aavas Financiers
Aavas Financiers Ltd. is a registered Housing Finance Company in India, focusing on providing affordable housing finance to low and middle-income customers in semi-urban and rural areas. The company offers home loans for purchase, construction, extension, and repair of residential properties, as well as loans against property and MSME loans. Aavas operates through 371 branches across 13 states, including Rajasthan, Maharashtra, Gujarat, and Madhya Pradesh. The company uses technology and data analytics for customer onboarding, underwriting, loan monitoring, and risk management. Aavas sources funding through various means, including term loans, securitization, non-convertible debentures, and refinancing from the National Housing Bank. As of March 31, 2023, Aavas had an Assets under Management (AUM) of Rs 14,167 crore and received a Rs 1,044 crore line of credit from the National Housing Bank in 2022-23.
Listing Date
08 Oct, 2018(6 Years,
32 days)
Website
Chairperson NameSandeep Tandon
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