Today's Low
₹ 1,504.05
Today's High
₹ 1,564.40
52 Weeks Low
₹ 1,384.65
52 Weeks High
₹ 2,411.40
Lower
₹ 1,223.20
Upper
₹ 1,834.80
Aavas Financiers Limited provides housing loans to customers belonging to low- and middle-income self-employed and salaried customers in semi-urban and rural areas in India. The company 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. It 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, 2021, it operated through 280 branches covering in 11 states, including Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Delhi, Punjab, Uttarakhand, and Himachal Pradesh. 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.
No of shares Outstanding
EPS-TTM
Face Value
Book Value
Net Asset Value
ROE
ROA
ROCE
Dividend Yield
Total Debt
Sales Growth
PAT Growth
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
---|---|---|---|---|---|---|
Current Assets | 1,706.5 | 1,816.1 | 1,374.1 | 1,412.9 | 874.0 | 686.8 |
Non-Current Assets | 11,690.6 | 9,178.0 | 7,585.2 | 6,244.2 | 4,752.9 | 3,353.3 |
Total Assets | 13,409.6 | 11,017.5 | 8,959.3 | 7,657.0 | 5,626.9 | 4,040.1 |
Current Liabilities | 0.0 | 0.0 | 2,118.9 | 1,284.4 | 1,164.7 | 641.6 |
Non-Current Liabilities | 7,243.4 | 5,760.8 | 4,439.6 | 4,274.8 | 2,625.2 | 2,207.9 |
Total Equity | 3,269.7 | 2,806.4 | 2,400.8 | 2,097.9 | 1,837.0 | 1,189.9 |
Total Liabilities & Total Equity | 13,409.6 | 11,017.5 | 8,959.3 | 7,657.0 | 5,626.9 | 4,040.1 |
The Industry Current Ratio stands at 2.87, vs the Current Ratio of 1.10, which results in a Negative aspect.
The Industry Debt to Equity Ratio stands at 3.59, vs the Debt to Equity Ratio of 2.57, which results in a Positive aspect.
The Industry Quick Ratio stands at 2.88, vs the Quick Ratio of 1.10, which results in a Negative aspect.
The Industry Price to BV stands at 2.42, vs the Price to BV of 3.37, which results in a Positive aspect.
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
---|---|---|---|---|---|---|
Total Income | 1,608.8 | 1,304.5 | 1,103.4 | 902.6 | 710.2 | 493.6 |
Total Expenditure | 437.3 | 347.4 | 269.8 | 222.2 | 184.5 | 158.4 |
Operating Profit(Excl OI) | 1,173.3 | 958.3 | 835.8 | 681.2 | 526.7 | 336.1 |
Add: Other Income | 1.8 | 1.2 | 2.2 | 0.8 | 1.0 | 0.9 |
Operating Profit | 1,173.3 | 958.3 | 835.8 | 681.2 | 526.7 | 336.1 |
Less: Interest | 596.2 | 481.8 | 462.6 | 359.7 | 259.1 | 196.2 |
PBDT | 577.1 | 476.5 | 373.2 | 321.5 | 267.6 | 139.9 |
Less: Depreciation | 28.7 | 23.8 | 20.6 | 19.6 | 9.7 | 5.6 |
PBT & Exceptional Items | 548.4 | 452.7 | 352.6 | 301.9 | 257.9 | 134.3 |
Less: Exceptional Income Expenses | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Profit Before Tax | 548.4 | 452.7 | 352.6 | 301.9 | 257.9 | 134.3 |
Less: Taxation | 118.8 | 97.5 | 63.6 | 52.9 | 81.8 | 41.2 |
Profit After Tax | 429.6 | 355.2 | 288.9 | 249.0 | 176.0 | 93.0 |
Earnings Per Share | 0.5 | 0.5 | 0.4 | 0.3 | 0.2 | 0.1 |
The Industry PAT Margin stands at 18.44, vs the PAT Margin of 27.59, which results in a Positive aspect.
The Industry PAT Growth stands at 13.11, vs the PAT Growth of 41.48, which results in a Positive aspect.
The Industry Dividend Yield stands at 1.48, vs the Dividend Yield of 0.00, which results in a Negative aspect.
The Industry PE Ratio stands at 18.61, vs the PE Ratio of 25.74, which results in a Positive aspect.
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
---|---|---|---|---|---|---|
Profit Before Tax | 548.4 | 452.7 | 352.6 | 301.9 | 257.8 | 134.2 |
Tax Paid | -93.0 | -74.8 | -54.2 | -61.3 | -68.1 | -41.8 |
Adjustment | 20.3 | 23.8 | 50.0 | 20.2 | -18.4 | 49.6 |
Changes In Working Capital | 548.4 | 452.7 | 352.6 | 301.9 | 257.8 | 134.2 |
Cash Flow after changes in Working Capital | -1,821.5 | -1,060.3 | -1,017.0 | -1,110.9 | -1,207.8 | -891.1 |
Cash Flow from Operating Activities | -1,914.5 | -1,135.1 | -1,071.2 | -1,172.2 | -1,275.9 | -932.9 |
Cash Flow from Investing Activities | 186.1 | -462.6 | -264.9 | -341.8 | -327.0 | -217.6 |
Cash Flow from Financing Activities | 1,858.3 | 1,623.4 | 1,007.6 | 1,704.6 | 1,404.4 | 1,240.4 |
Net Cash Inflow / Outflow | 129.8 | 25.7 | -328.5 | 190.6 | -198.5 | 89.9 |
Opening Cash & Cash Equivalents | 47.8 | 22.1 | 350.6 | 160.0 | 358.5 | 268.6 |
Closing Cash & Cash Equivalent | 177.6 | 47.8 | 22.1 | 350.6 | 160.0 | 358.5 |
The Industry PCF RATIO stands at -9.84, vs the PCF RATIO of -7.92, which results in a Positive aspect.
The Industry PFCF Ratio stands at 12.84, vs the PFCF Ratio of -7.84, which results in a Negative aspect.
Particulars | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 | Sep 2021 | Jun 2021 | Mar 2021 | Dec 2020 | Sep 2020 | Jun 2020 | Mar 2020 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Sales | 5,080.7 | 4,968.4 | 4,669.7 | 4,496.9 | 4,113.7 | 3,948.5 | 3,528.6 | 3,650.9 | 3,425.8 | 3,248.5 | 2,719.3 | 2,894.5 | 3,099.8 | 2,704.3 | 2,335.1 | 2,344.2 |
Total Income | 5,092.6 | 4,976.2 | 4,670.2 | 4,504.0 | 4,120.7 | 3,951.8 | 3,529.5 | 3,653.1 | 3,428.7 | 3,254.5 | 2,720.3 | 2,913.3 | 3,100.8 | 2,704.6 | 2,336.5 | 2,350.8 |
Total Expenditure | 1,342.2 | 1,290.3 | 1,322.7 | 1,180.5 | 1,170.6 | 1,096.9 | 976.1 | 885.8 | 970.2 | 856.7 | 804.3 | 759.7 | 775.8 | 665.6 | 540.0 | 660.3 |
PBIDT (Excl OI) | 3,738.5 | 3,678.1 | 3,347.0 | 3,316.4 | 2,943.1 | 2,851.6 | 2,552.5 | 2,765.1 | 2,455.6 | 2,391.8 | 1,915.1 | 2,134.7 | 2,323.9 | 2,038.7 | 1,795.1 | 1,684.0 |
Other Income | 11.9 | 7.8 | 0.4 | 7.1 | 7.1 | 3.3 | 0.9 | 2.2 | 2.9 | 6.0 | 0.9 | 18.8 | 1.0 | 0.3 | 1.4 | 6.5 |
Operating Profit | 3,750.4 | 3,685.9 | 3,347.5 | 3,323.5 | 2,950.1 | 2,854.9 | 2,553.4 | 2,767.3 | 2,458.4 | 2,397.8 | 1,916.0 | 2,153.6 | 2,325.0 | 2,039.0 | 1,796.6 | 1,690.5 |
Interest | 2,165.7 | 2,036.0 | 1,866.3 | 1,650.0 | 1,503.5 | 1,410.2 | 1,346.8 | 1,236.7 | 1,250.5 | 1,159.8 | 1,128.0 | 1,151.7 | 1,168.9 | 1,143.7 | 1,118.2 | 974.0 |
Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
PBDT | 1,584.7 | 1,649.9 | 1,481.1 | 1,673.5 | 1,446.6 | 1,444.7 | 1,206.7 | 1,530.6 | 1,207.9 | 1,238.0 | 788.0 | 1,001.9 | 1,156.1 | 895.3 | 678.4 | 716.5 |
Depreciation | 86.6 | 76.3 | 72.8 | 86.8 | 69.0 | 69.2 | 62.3 | 72.5 | 57.4 | 57.7 | 50.1 | 54.2 | 53.1 | 51.2 | 47.6 | 55.5 |
Profit Before Tax | 1,498.2 | 1,573.6 | 1,408.4 | 1,586.6 | 1,377.7 | 1,375.6 | 1,144.4 | 1,458.1 | 1,150.6 | 1,180.3 | 737.9 | 947.7 | 1,103.0 | 844.2 | 630.7 | 661.0 |
Tax | 330.9 | 357.0 | 310.1 | 318.4 | 306.4 | 309.1 | 253.9 | 303.4 | 263.0 | 261.3 | 147.4 | 73.2 | 248.4 | 183.7 | 131.1 | 63.7 |
Provisions and contingencies | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Profit After Tax | 1,167.2 | 1,216.6 | 1,098.3 | 1,268.3 | 1,071.2 | 1,066.4 | 890.5 | 1,154.7 | 887.6 | 919.0 | 590.5 | 874.5 | 854.6 | 660.5 | 499.6 | 597.3 |
Net Profit | 1,167.2 | 1,216.6 | 1,098.3 | 1,268.3 | 1,071.2 | 1,066.4 | 890.5 | 1,154.7 | 887.6 | 919.0 | 590.5 | 874.5 | 854.6 | 660.5 | 499.6 | 597.3 |
ADDITIONAL INFOS: | ||||||||||||||||
Equity Capital | 791.4 | 791.2 | 790.9 | 790.6 | 790.4 | 790.3 | 789.6 | 789.4 | 789.3 | 789.1 | 785.1 | 785.1 | 783.9 | 783.8 | 783.2 | 783.2 |
Reserves | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
EPS | 14.8 | 15.4 | 13.9 | 16.1 | 13.6 | 13.5 | 11.3 | 14.6 | 11.3 | 11.7 | 7.5 | 11.2 | 10.9 | 8.4 | 6.4 | 7.6 |
Operating Profit Margin | 73.8 | 74.2 | 71.7 | 73.9 | 71.7 | 72.3 | 72.4 | 75.8 | 71.8 | 73.8 | 70.5 | 74.4 | 75.0 | 75.4 | 76.9 | 72.1 |
Net Profit Margin | 23.0 | 24.5 | 23.5 | 28.2 | 26.0 | 27.0 | 25.2 | 31.6 | 25.9 | 28.3 | 21.7 | 30.2 | 27.6 | 24.4 | 21.4 | 25.5 |
The Industry Net Sales Growth stands at 12.07, vs the Net Sales Growth of 27.09, which results in a Positive aspect.
The Industry Mcap Growth stands at 12.14, vs the Mcap Growth of 2.39, which results in a Negative aspect.
Type | Classic | Woodie | Camarilla |
---|---|---|---|
R4 | 1,669.05 | 1,722.34 | 1,581.54 |
R3 | 1,634.17 | 1,638.88 | 1,564.95 |
R2 | 1,599.28 | 1,601.64 | 1,559.41 |
R1 | 1,573.82 | 1,578.53 | 1,553.88 |
Pivot | 1,538.93 | 1,541.29 | 1,538.93 |
S1 | 1,513.47 | 1,518.18 | 1,542.82 |
S2 | 1,478.58 | 1,480.94 | 1,537.29 |
S3 | 1,453.12 | 1,457.83 | 1,531.75 |
S4 | 1,427.65 | 1,360.24 | 1,515.16 |
(All Values are in INR)
1 Day
1 Week
1 Month
Stoch RSI
70.00
Neutral
RSI
59.06
Neutral
ROC
9.39
Bullish
UltimateOscillator
49.86
Neutral
Williams Indicator
-35.29
Neutral
CCI Indicator
47.77
Neutral
MACD
-1,814.89
Bearish
Stochastic Indicator
62.98
Neutral
ATR
57.14
Low Volatility
Ex-Date | Ratio | Record Date |
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Ex-Date | Ratio | Record Date |
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Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
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Date Of Conduct | Board Meeting Details |
---|---|
25-04-2024 | Audited Results Inter alia, to consider and approve:- 1. Increase in limits to raise funds by way of issuance of Non-Convertible Debentures, bonds and/or other debt securities etc. on private placement basis in one or more tranches/issuances/series as per the business requirement of the Company. |
01-02-2024 | Quarterly Results |
22-12-2023 | Inter alia, to consider the proposal for issuance of Non-convertible Debentures (NCDs) on private placement basis in compliance with applicable laws. The above issuance shall be within the existing borrowings limits under section 180(1)(c) of the Companies Act, 2013, as approved by the members on July 19, 2023. |
26-10-2023 | Quarterly Results |
03-08-2023 | Quarterly Results |
28-06-2023 | Inter alia, to consider and approve the terms and conditions and other matters in relations to the proposed issue of Rated, Listed, Senior, Secured, Redeemable, Non-convertible Debentures (NCDs) on private placement basis in compliance with applicable provisions of the Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations 2021, Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015 , as amended from time to time and SEBI Electronic Book Mechanism Guidelines read with the BSE Operational Guidelines on Electronic book mechanism for issuance of debt Securities. |
03-05-2023 | Audited Results & Inter alia, to consider and approve- 1. Raising of funds by way of debt by issuance of Non-convertible Debentures, bonds, and/ or other debt securities etc. on private placement basis. |
02-02-2023 | Quarterly Results |
20-10-2022 | Quarterly Results |
28-07-2022 | Quarterly Results |
05-05-2022 | Audited Results |
07-03-2022 | Inter-alia, to consider the issue of Non-Convertible Debentures (NCDs) having a face value of INR 10,00,000(Indian Rupees Ten lakh) each, aggregating up to an amount of INR 100,00,00,000(Indian Rupees One Hundred Crore only) on private placement basis in terms of applicable provisions of the Companies Act, 2013, SEBI (Issue and Listing of Non- Convertible Securities) Regulations, 2021 and other applicable laws |
09-02-2022 | Inter alia, to consider and approve the issue of External Commercial Borrowing in the form of Rupee Denominated Bonds (RDB) on private placement basis upto an amount of INR 360 Crores (Indian Rupees three hundred and sixty crores) in terms of applicable provisions of the Companies Act, 2013 and other applicable laws. |
03-02-2022 | Quarterly Results |
20-11-2021 | Inter-alia, to consider the issue of Non-Convertible Debentures (NCDs) on private placement basis in terms of applicable provisions of the Companies Act, 2013 and other applicable laws. |
28-10-2021 | Quarterly Results |
29-07-2021 | Quarterly Results |
13-07-2021 | Employees Stock Option Plan |
29-04-2021 | Audited Results & Inter alia, to consider : raising of funds by way of debt by issuance of Non-convertible Debentures, bonds, and/or other debt securities etc. on private placement basis, in one or more tranches/issuances/series as per business requirement of the Company, in terms of applicable provisions of the Companies Act, 2013 and other applicable laws. |