Aavas Financiers Limited
AAVAS · NBFC · NSE
₹1,311
Current Market Price
Fair Value (DCF)
₹1,163
Margin of Safety
-11.3%
Updated 2d ago
YieldIQ Score
43/100
Piotroski F-Score
4/9
Economic Moat
Narrow
Confidence
90%
ROE
13.2%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.10 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
460.0%
Return on capital employed
EV / EBITDA
30.5×
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
1.75×
Short-term liquidity
Asset Turnover
0.11×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
14.7%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,311.4
Bear case
₹814.1
MoS -61.1%
Base case
₹1,162.99
MoS -12.8%
Bull case
₹1,511.89
MoS +13.3%
Ratio Trends
AAVAS · last 6 annual periods
ROE
13.2%
ROCE
4.2%
Operating Margin
—
Debt / Equity
3.19×
PE
100.7×
EV / EBITDA
36.0×
Historical Financials
AAVAS · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1103 Cr | ₹1304 Cr | ₹450 Cr | ₹546 Cr | ₹1988 Cr | +15.9% |
| EBITDA | — | ₹480 Cr | ₹581 Cr | ₹663 Cr | ₹774 Cr | +12.7% |
| EBIT | ₹812 Cr | ₹932 Cr | ₹324 Cr | ₹399 Cr | — | -16.3% |
| PAT | ₹289 Cr | ₹357 Cr | ₹127 Cr | ₹142 Cr | ₹574 Cr | +18.7% |
| EPS (diluted) | ₹36.62 | ₹45.02 | ₹16.01 | ₹17.98 | — | -16.3% |
| CFO | ₹-1071 Cr | ₹-1136 Cr | ₹-1915 Cr | ₹-1987 Cr | ₹-1660 Cr | — |
| CapEx | — | — | — | — | ₹-30.1 Cr | — |
| FCF | — | — | — | — | ₹-1690 Cr | — |
| Total Assets | — | ₹11.0K Cr | ₹13.4K Cr | ₹16.5K Cr | ₹18.6K Cr | +14.0% |
| Total Debt | ₹4781 Cr | ₹6163 Cr | ₹8316 Cr | ₹10.9K Cr | ₹13.9K Cr | +30.6% |
| Shareholders' Equity | — | — | ₹3270 Cr | ₹3773 Cr | ₹4361 Cr | +7.5% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
AAVAS vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| CANFINHOME CANFINHOME | — | — | Pending | 16.9% | — |
| HOMEFIRST Home First Finance Company India Limited | -19.2% | 43 | Overvalued | 15.2% | — |
| APTUS Aptus Value Housing Finance India Limited | -75.7% | 35 | Data Limited | 17.4% | — |
| INDIASHLTR INDIA SHELTER FIN CORP L | +167.3% | 64 | Data Limited | 14.0% | — |
| SAMMAANCAP Sammaan Capital Limited | +77.5% | 60 | Data Limited | -8.3% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for AAVAS in the last 10 years.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of AAVAS →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for AAVAS →
Compare
Head-to-head with peers
Compare AAVAS side by side →
Run Full Interactive Analysis
Interactive DCF sliders, sensitivity heatmap, peer comparison, and more.
Analyse AAVASNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.