Stock AAVAS AAVAS FINANCIERS LIMITED
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Financials Aavas Financiers Limited

Equities

AAVAS

INE216P01012

Banks

Market Closed - NSE India S.E.
Other stock markets
 07:43:46 2024-04-26 am EDT 		5-day change 1st Jan Change
1,610 INR +0.29% Intraday chart for Aavas Financiers Limited +3.98% +5.08%
Apr. 26 Jefferies Adjusts Aavas Financiers' Price Target to INR2,000 From INR1,940, Keeps at Buy MT
Apr. 25 Transcript : Aavas Financiers Limited, Q4 2024 Earnings Call, Apr 25, 2024

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 90,277 93,114 190,048 202,823 127,341 127,419 - -
Enterprise Value (EV) 1 90,277 93,114 190,048 202,823 127,341 104,120 127,419 127,419
P/E ratio 50 x 37.8 x 66.3 x 57.3 x 29.7 x 21.2 x 21.4 x 17.1 x
Yield - - - - - - - -
Capitalization / Revenue 19.8 x 17 x 29.4 x 24.5 x 12.5 x 8.74 x 8.81 x 7.3 x
EV / Revenue 19.8 x 17 x 29.4 x 24.5 x 12.5 x 8.74 x 8.81 x 7.3 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 4.8 x 4.48 x 7.97 x 7.23 x 3.89 x 3.39 x 2.91 x 2.5 x
Nbr of stocks (in thousands) 78,108 78,323 78,505 78,936 79,057 79,140 - -
Reference price 2 1,156 1,189 2,421 2,569 1,611 1,610 1,610 1,610
Announcement Date 5/3/19 5/14/20 4/29/21 5/5/22 5/3/23 4/25/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 4,558 5,473 6,473 8,281 10,196 11,919 14,462 17,446
EBITDA - - - - - - - -
EBIT 1 2,667 3,173 3,897 4,753 5,608 6,489 7,992 9,861
Operating Margin 58.52% 57.97% 60.2% 57.39% 55.01% 54.44% 55.26% 56.52%
Earnings before Tax (EBT) 1 2,578 3,019 3,526 4,527 5,484 6,244 7,595 9,513
Net income 1 1,760 2,490 2,889 3,552 4,296 4,907 5,980 7,535
Net margin 38.62% 45.51% 44.64% 42.89% 42.14% 41.17% 41.35% 43.19%
EPS 2 23.10 31.48 36.54 44.81 54.26 61.93 75.13 94.29
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - - - -
Announcement Date 5/3/19 5/14/20 4/29/21 5/5/22 5/3/23 4/25/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 1,932 1,762 1,592 2,095 2,178 2,416 2,183 2,542 2,617 2,854 2,804 3,031 3,117 3,126
EBITDA - - - - - - - - - - - - - -
EBIT 1 1,265 1,017 567.9 1,228 1,263 1,354 1,154 1,392 1,413 1,650 1,465 1,581 1,682 1,704
Operating Margin 65.46% 57.75% 35.66% 58.61% 58% 56.02% 52.85% 54.76% 53.98% 57.83% 52.25% 52.16% 53.94% 54.49%
Earnings before Tax (EBT) 1 - 947.7 737.9 1,180 1,151 1,458 1,144 1,376 1,378 1,587 1,408 1,550 1,619 1,652
Net income 1 854.6 874.5 590.5 919 887.6 1,155 890.5 1,066 1,071 1,268 1,098 1,189 1,272 1,281
Net margin 44.24% 49.64% 37.09% 43.88% 40.75% 47.79% 40.8% 41.96% 40.93% 44.44% 39.17% 39.22% 40.79% 40.96%
EPS - 11.06 - 11.60 11.19 14.57 11.24 13.46 13.52 16.01 13.87 15.90 16.60 16.45
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 1/21/21 4/29/21 7/29/21 10/28/21 2/3/22 5/5/22 7/28/22 10/20/22 2/2/23 5/3/23 8/3/23 - - -
1INR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 11.6% 12.7% 12.8% 13.6% 14.1% 13.6% 14.8% 15.9%
ROA (Net income/ Total Assets) 3.64% 3.75% 3.48% 3.56% 3.52% 3.23% 3.25% 3.31%
Assets 1 48,335 66,425 83,082 99,884 122,127 147,362 184,247 227,640
Book Value Per Share 2 241.0 265.0 304.0 356.0 414.0 474.0 553.0 643.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/3/19 5/14/20 4/29/21 5/5/22 5/3/23 4/25/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Aavas Financiers Limited

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
1,610 INR
Average target price
1,773 INR
Spread / Average Target
+10.14%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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