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AAVAS.NS stock logo

AAVAS.NS

Aavas Financiers Limited

$1384
1.9
 (0.14%)
[ms_data_label text=’Delayed data’]
Exchange:  NSE
Market Cap:  109.727B
Shares Outstanding:  78.372M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Mortgages
   
CEO:  Sachinderpalsingh Jitendrasingh Bhinder
Full Time Employees:  6075
Address: 
201-202, Southend Square
Jaipur
302020
IN
Website:  https://www.aavas.in
Aavas Financiers Limited provides housing loans to customers belonging to low- and middle-income self-employed customers in semi-urban and rural areas in India. It offers home loans for flats, houses, and bungalows, as well as resale properties; land purchase and construction loans, including finance for self-construction of residential house; and home improvement loans, which include loans for tiling or flooring, plaster, painting, etc. The company also provides home equity loans; and micro, small, and medium enterprise loans for business expansion, purchase of equipment, working capital, etc., as well as home loan balance transfer and emergency credit line guarantee scheme products. As of March 31, 2022, it operated through 314 branches covering in 13 states, including Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Delhi, Punjab, Uttarakhand, Himachal Pradesh, Karnataka, and Odisha. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in February 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue13,555,17716,799,83519,875,221
Gross Profit4,956,8995,240,6476,353,439
EBITDA5,810,5126,625,6237,742,840
Operating Income3,115,5003,158,6743,960,098
Net Income4,296,4384,906,9425,741,082

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets134,096,091165,194,536186,184,740
Total Liabilities101,399,491127,461,384142,576,417
Total Stockholders Equity32,696,60037,733,15243,608,323
Total Debt98,872,786123,983,071138,498,644
Cash and Cash Equivalents1,776,477205,580113,130

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow5,205,5395,458,4985,926,739
Capital Expenditure-389,517-327,441-300,706
Free Cash Flow4,816,0225,131,0575,626,033
Net Income4,296,4384,906,9425,741,082
Net Change in Cash1,298,371-1,570,897-92,450

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)28,116,979.406Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)29,132,540.453Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)28,643,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)11,502,446.932Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)11,917,905.395Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)11,717,638.041Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)11,952,363.626Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)12,516,753.135Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)12,244,695.153Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)479,599.705Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)496,922.433Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)488,572.195Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)153.500Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)156.910Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)149.840Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
4.87
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
17.02
?Enterprise Value
 (TTM)
: 
71.575B  ?EV/FCF
 (TTM)
: 
-50.44
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.14  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
3.08
?P/B
 (TTM)
: 
2.28  ?Current Ratio
 (TTM)
: 
11301.26

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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
1,451.59Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate AAVAS Intrinsic Value

Common questions about AAVAS.NS valuation

Is Aavas Financiers Limited (AAVAS.NS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Aavas Financiers Limited (AAVAS.NS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is AAVAS.NS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AAVAS.NS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is AAVAS.NS’s P/E ratio?

You can see AAVAS.NS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for AAVAS.NS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is AAVAS.NS a good long-term investment?

Whether AAVAS.NS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

AAVAS.NS

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

0.14
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 1060.4   Year High: 2152.9
Price Avg 50: 1229.42   Price Avg 200: 1487.24
Volume: 101388   Average Volume: 222795

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