Snowflake Score | |
---|---|
Valuation | 0/6 |
Future Growth | 3/6 |
Past Performance | 2/6 |
Financial Health | 1/6 |
Dividends | 0/6 |
AAVAS Stock Overview
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.
Rewards
Risk Analysis
No risks detected for AAVAS from our risk checks.
Aavas Financiers Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | ₹1,946.75 |
52 Week High | ₹3,340.00 |
52 Week Low | ₹1,815.00 |
Beta | 0.95 |
1 Month Change | -6.01% |
3 Month Change | -23.09% |
1 Year Change | -27.32% |
3 Year Change | 29.94% |
5 Year Change | n/a |
Change since IPO | 151.40% |
Recent News & Updates
Shareholder Returns
AAVAS | IN Mortgage | IN Market | |
---|---|---|---|
7D | -0.9% | 1.1% | 0.6% |
1Y | -27.3% | -13.1% | -0.3% |
Return vs Industry: AAVAS underperformed the Indian Mortgage industry which returned -13.1% over the past year.
Return vs Market: AAVAS underperformed the Indian Market which returned -0.3% over the past year.
Price Volatility
AAVAS volatility | |
---|---|
AAVAS Average Weekly Movement | 5.6% |
Mortgage Industry Average Movement | 5.5% |
Market Average Movement | 6.8% |
10% most volatile stocks in IN Market | 9.8% |
10% least volatile stocks in IN Market | 4.4% |
Stable Share Price: AAVAS is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: AAVAS's weekly volatility (6%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
2011 | 5,222 | Sushil Agarwal | 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.
Aavas Financiers Fundamentals Summary
AAVAS fundamental statistics | |
---|---|
Market Cap | ₹153.72b |
Earnings (TTM) | ₹3.55b |
Revenue (TTM) | ₹8.06b |
43.3x
P/E Ratio5.5x
P/B RatioIs AAVAS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
AAVAS income statement (TTM) | |
---|---|
Revenue | ₹8.06b |
Cost of Revenue | ₹91.89m |
Gross Profit | ₹7.96b |
Other Expenses | ₹4.41b |
Earnings | ₹3.55b |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
Earnings per share (EPS) | 44.98 |
Gross Margin | 98.86% |
Net Profit Margin | 44.09% |
Debt/Equity Ratio | 284.1% |
How did AAVAS perform over the long term?
See historical performance and comparisonValuation
Is AAVAS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for AAVAS?
Other financial metrics that can be useful for relative valuation.
What is AAVAS's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | ₹153.72b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | 2.5x |
Price to Earnings Ratio vs Peers
How does AAVAS's PE Ratio compare to its peers?
AAVAS PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 17.2x | ||
IIFL IIFL Finance | 10.8x | n/a | ₹128.1b |
LICHSGFIN LIC Housing Finance | 8.1x | 19.6% | ₹185.4b |
543335 Aptus Value Housing Finance India | 37.2x | 18.0% | ₹137.8b |
511196 Can Fin Homes | 12.5x | n/a | ₹58.8b |
AAVAS Aavas Financiers | 43.3x | 17.6% | ₹153.7b |
Price-To-Earnings vs Peers: AAVAS is expensive based on its Price-To-Earnings Ratio (43.3x) compared to the peer average (17.2x).
Price to Earnings Ratio vs Industry
How does AAVAS's PE Ratio compare vs other companies in the Asian Mortgage Industry?
Price-To-Earnings vs Industry: AAVAS is expensive based on its Price-To-Earnings Ratio (43.3x) compared to the Indian Mortgage industry average (15.8x)
Price to Earnings Ratio vs Fair Ratio
What is AAVAS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PE Ratio | 43.3x |
Fair PE Ratio | 17.3x |
Price-To-Earnings vs Fair Ratio: AAVAS is expensive based on its Price-To-Earnings Ratio (43.3x) compared to the estimated Fair Price-To-Earnings Ratio (17.3x).
Share Price vs Fair Value
What is the Fair Price of AAVAS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: AAVAS (₹1946.75) is trading above our estimate of fair value (₹589.43)
Significantly Below Fair Value: AAVAS is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: AAVAS is poor value based on its PEG Ratio (2.5x)
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Future Growth
How is Aavas Financiers forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Future Growth Score
3/6Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
17.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AAVAS's forecast earnings growth (17.6% per year) is above the savings rate (6.8%).
Earnings vs Market: AAVAS's earnings (17.6% per year) are forecast to grow faster than the Indian market (17.3% per year).
High Growth Earnings: AAVAS's earnings are forecast to grow, but not significantly.
Revenue vs Market: AAVAS's revenue (17.7% per year) is forecast to grow faster than the Indian market (11.5% per year).
High Growth Revenue: AAVAS's revenue (17.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AAVAS's Return on Equity is forecast to be low in 3 years time (15.7%).
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Past Performance
How has Aavas Financiers performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
27.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AAVAS has high quality earnings.
Growing Profit Margin: AAVAS's current net profit margins (44.1%) are lower than last year (47.4%).
Past Earnings Growth Analysis
Earnings Trend: AAVAS's earnings have grown significantly by 27.8% per year over the past 5 years.
Accelerating Growth: AAVAS's earnings growth over the past year (22.9%) is below its 5-year average (27.8% per year).
Earnings vs Industry: AAVAS earnings growth over the past year (22.9%) underperformed the Mortgage industry 22.9%.
Return on Equity
High ROE: AAVAS's Return on Equity (12.7%) is considered low.
Discover strong past performing companies
Financial Health
How is Aavas Financiers's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
1/6Financial Health Score 1/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: AAVAS's Assets to Equity ratio (3.9x) is low.
Allowance for Bad Loans: Insufficient data to determine if AAVAS has a sufficient allowance for bad loans.
Low Risk Liabilities: AAVAS reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if AAVAS has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: AAVAS reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if AAVAS has an appropriate level of bad loans.
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Dividend
What is Aavas Financiers's current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
0.044%
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate AAVAS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate AAVAS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if AAVAS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if AAVAS's dividend payments have been increasing.
Current Payout to Shareholders
Earnings 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 AAVAS's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
6.0yrs
Average board tenure
CEO
Sushil Agarwal (46 yo)
no data
Tenure
₹30,964,000
Compensation
Mr. Sushil Kumar Agarwal serves as Chief Executive Officer of Aavas Financiers Limited (alternate, Au Housing Finance Limited) and it’s Managing Director since May 03, 2019. He serves as Director of Aavas...
CEO Compensation Analysis
Compensation vs Market: Sushil's total compensation ($USD392.37K) is about average for companies of similar size in the Indian market ($USD456.99K).
Compensation vs Earnings: Sushil's compensation has increased by more than 20% in the past year.
Board Members
Experienced Board: AAVAS's board of directors are considered experienced (6 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Aavas Financiers Limited's employee growth, exchange listings and data sources
Key Information
- Name: Aavas Financiers Limited
- Ticker: AAVAS
- Exchange: NSEI
- Founded: 2011
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: ₹153.717b
- Shares outstanding: 78.96m
- Website: https://www.aavas.in
Number of Employees
Location
- Aavas Financiers Limited
- 201-202, Southend Square
- 2nd Floor
- Jaipur
- Rajasthan
- 302020
- India
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/07/04 00:00 |
End of Day Share Price | 2022/07/04 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2022/03/31 |
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.