Aavas Financiers Limited provides housing loans to customers belonging to low- and middle- income segments in semi-urban and rural areas in India.
High growth potential with solid track record.
Share Price & News
How has Aavas Financiers's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 541988 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 541988 exceeded the Indian Mortgage industry which returned 15.6% over the past year.
Return vs Market: 541988 exceeded the Indian Market which returned 11.1% over the past year.
Price Volatility Vs. Market
How volatile is Aavas Financiers's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Aavas Financiers undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 541988 (₹1968.05) is trading above our estimate of fair value (₹62.04)
Significantly Below Fair Value: 541988 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 541988 is poor value based on its PE Ratio (63x) compared to the Mortgage industry average (12.1x).
PE vs Market: 541988 is poor value based on its PE Ratio (63x) compared to the Indian market (13.3x).
Price to Earnings Growth Ratio
PEG Ratio: 541988 is poor value based on its PEG Ratio (2.4x)
Price to Book Ratio
PB vs Industry: 541988 is overvalued based on its PB Ratio (7.8x) compared to the IN Mortgage industry average (1.1x).
How is Aavas Financiers forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 541988's forecast earnings growth (26.5% per year) is above the savings rate (6.5%).
Earnings vs Market: 541988's earnings (26.5% per year) are forecast to grow faster than the Indian market (21.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: 541988's revenue (26.2% per year) is forecast to grow faster than the Indian market (9% per year).
High Growth Revenue: 541988's revenue (26.2% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 541988's Return on Equity is forecast to be low in 3 years time (16.1%).
How has Aavas Financiers performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 541988 has high quality earnings.
Growing Profit Margin: 541988's current net profit margins (44.9%) are higher than last year (34.3%).
Past Earnings Growth Analysis
Earnings Trend: 541988's earnings have grown significantly by 36.3% per year over the past 5 years.
Accelerating Growth: 541988's earnings growth over the past year (64.9%) exceeds its 5-year average (36.3% per year).
Earnings vs Industry: 541988 earnings growth over the past year (64.9%) exceeded the Mortgage industry 16.1%.
Return on Equity
High ROE: 541988's Return on Equity (12.4%) is considered low.
Return on Assets
Return on Capital Employed
How is Aavas Financiers's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 541988 has a low level of unsold assets or inventory.
Debt Coverage by Assets: 541988's debt is covered by short term assets (assets are 1.5x debt).
Financial Institutions Analysis
Asset Level: 541988's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if 541988 has a sufficient allowance for bad loans.
Low Risk Liabilities: 541988 reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 541988 has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 541988 has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 541988 has an appropriate level of bad loans.
What is Aavas Financiers's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate 541988's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate 541988's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 541988's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 541988's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 541988's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Sushil Agarwal (43yo)
Mr. Sushil Kumar Agarwal serves as Chief Executive Officer of Aavas Financiers Limited (alternate, Au Housing Finance Limited) and its Managing Director since May 03, 2019. Mr. Agarwal has 12 years of expe ...
CEO Compensation Analysis
Compensation vs Market: Sushil's total compensation ($USD4.36M) is above average for companies of similar size in the Indian market ($USD640.58K).
Compensation vs Earnings: Sushil's compensation has increased by more than 20% in the past year.
|MD, CEO & Whole Time Director||0yrs||₹312.21m||3.73% ₹5.7b|
|Non-Executive Nominee Director||3.7yrs||no data||no data|
|Non-Executive Nominee Director||3.7yrs||no data||no data|
|Non-Executive Nominee Director||3.6yrs||₹1.95m||0.088% ₹135.2m|
|Independent Director||3.7yrs||₹725.00k||0.022% ₹34.6m|
|Independent Chairman of the Board||1.1yrs||₹600.00k||no data|
|Additional Director||1.1yrs||no data||no data|
|Non-Executive Nominee Director||3.6yrs||₹200.00k||0.66% ₹1.0b|
|Non-Executive Nominee Director||2.6yrs||no data||no data|
Experienced Board: 541988's board of directors are considered experienced (3.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 541988 insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 12.2%.
Aavas Financiers Limited's company bio, employee growth, exchange listings and data sources
- Name: Aavas Financiers Limited
- Ticker: 541988
- Exchange: BSE
- Founded: 2011
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: ₹153.930b
- Shares outstanding: 78.30m
- Website: https://www.aavas.in
Number of Employees
- Aavas Financiers Limited
- 201-202, Southend Square
- 2nd Floor
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|541988||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Oct 2018|
|AAVAS||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Oct 2018|
Aavas Financiers Limited provides housing loans to customers belonging to low- and middle- income segments 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 balance transfer loans and products. As of March 31, 2019, it operated through 210 branches covering 122 districts in 10 states, including Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Delhi, Chhattisgarh, Uttar Pradesh, Uttarakhand, and Punjab. Aavas Financiers Limited was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in February 2017. The company was incorporated in 2011 and is based in Jaipur, India.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/21 13:27|
|End of Day Share Price||2020/02/20 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.