AAVAS Financiers Ltd is a housing finance company. The company provides housing loans to customers belonging to the low and middle-income and self-employed segments in suburban and rural India. Its only operating segment is Lending to borrowers. The company's product portfolio includes home loans, land purchases and construction, home improvement loans, home equity, micro, small, and medium enterprise loan, and others. It offers customers loans for the purchase or construction of residential properties and the extension and repair of existing housing units.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.21
Equity-to-Asset	0.23
Debt-to-Equity	3.19
Debt-to-EBITDA	17.9
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	2/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.03	Distress Grey Safe
Beneish M-Score	-1.45	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	20.7
	3-Year EBITDA Growth Rate	21.5
	3-Year EPS without NRI Growth Rate	17.3
	3-Year FCF Growth Rate	-17.9
	3-Year Book Growth Rate	15.6

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	48.42
	9-Day RSI	47.01
	14-Day RSI	44.82
	6-1 Month Momentum %	13.38
	12-1 Month Momentum %	-17.56

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	631.89
	Quick Ratio	631.89
	Cash Ratio	100.36
	Days Payable	6.06

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-0.3
	Shareholder Yield %	-16.18

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	35.81
	Operating Margin %	22.73
	Net Margin %	29.83
	FCF Margin %	-125.21
	ROE %	14.23
	ROA %	3.46
	ROIC %	2.37
	ROC (Joel Greenblatt) %	806.75
	ROCE %	4.46
	Years of Profitability over Past 10-Year	10

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	25.61
	PE Ratio without NRI	34.4
	Shiller PE Ratio	60.41
	PEG Ratio	0.79
	PS Ratio	7.63
	PB Ratio	3.38
	Price-to-Tangible-Book	3.38
	EV-to-EBIT	34.1
	EV-to-EBITDA	32.43
	EV-to-Revenue	13.01
	EV-to-FCF	-10.62
	Price-to-Peter-Lynch-Fair-Value	1.36
	Price-to-Graham-Number	2.26
	Price-to-Net-Current-Asset-Value	3.64
	Earnings Yield (Greenblatt) %	2.92
	FCF Yield %	-17.06
	Forward Rate of Return (Yacktman) %	9.12

Financials

Annual Quarterly TTM

BOM:541988's 30-Y Financials

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014

AAVAS Financiers Ltd Executives

Details

GF Value: ₹3169.6

BOM:541988

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 4 Severe warning signs with 541988. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil ₹)	15,601.783
	EPS (TTM) (₹)	58.78
	Beta	0.79
	Volatility %	29.94
	14-Day RSI	44.82
	14-Day ATR (₹)	46.503614
	20-Day SMA (₹)	1474.785
	12-1 Month Momentum %	-17.56
	52-Week Range (₹)	1335 - 2045
	Shares Outstanding (Mil)	79.14

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	2
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

AAVAS Financiers Ltd Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

AAVAS Financiers Ltd Stock Events

	Event	Date	Price(₹)
No Event Data

AAVAS Financiers Ltd Frequently Asked Questions

What is AAVAS Financiers Ltd(BOM:541988)'s stock price today?

The current price of BOM:541988 is ₹1446.20. The 52 week high of BOM:541988 is ₹2045.00 and 52 week low is ₹1335.00.

When is next earnings date of AAVAS Financiers Ltd(BOM:541988)?

The next earnings date of AAVAS Financiers Ltd(BOM:541988) is .

Does AAVAS Financiers Ltd(BOM:541988) pay dividends? If so, how much?

AAVAS Financiers Ltd(BOM:541988) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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