Aavas Financiers Limited
Aavas Financiers Limited (AAVAS) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Housing Finance Company
aavas.in(opens the company website in a new tab)Key metrics
Price as of 2026-09-03
Stock price
₹1297.80
Market cap
10,290 Cr
Stock P/E
14.8
P/B
2.03
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 180 Cr | 188 Cr | 208 Cr | 221 Cr | 226 Cr | 222 Cr | 221 Cr | 237 Cr | 271 Cr | 278 Cr | 288 Cr | 299 Cr |
| Other income | 0.09 Cr | 0.33 Cr | 0.71 Cr | 0.71 Cr | 0.04 Cr | 0.78 Cr | 1 Cr | 0.78 Cr | 1 Cr | 0.37 Cr | 0.43 Cr | 0.42 Cr |
| Net operating income | 180 Cr | 188 Cr | 209 Cr | 222 Cr | 226 Cr | 223 Cr | 222 Cr | 238 Cr | 272 Cr | 278 Cr | 289 Cr | 300 Cr |
| Employee cost | 68 Cr | 78 Cr | 81 Cr | 76 Cr | 95 Cr | 82 Cr | 83 Cr | 96 Cr | 112 Cr | 111 Cr | 113 Cr | 114 Cr |
| Other expenses | 27 Cr | 28 Cr | 32 Cr | 34 Cr | 30 Cr | 38 Cr | 41 Cr | 37 Cr | 48 Cr | 44 Cr | 46 Cr | 45 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 6 Cr | 7 Cr | 7 Cr | 9 Cr | 7 Cr | 8 Cr | 9 Cr | 9 Cr | 10 Cr | 9 Cr | 11 Cr | 11 Cr |
| Profit before tax | 114 Cr | 138 Cr | 138 Cr | 159 Cr | 141 Cr | 157 Cr | 150 Cr | 177 Cr | 193 Cr | 179 Cr | 211 Cr | 219 Cr |
| Tax % | 22.2% | 22.5% | 22.2% | 20.1% | 22.0% | 22.7% | 22.1% | 19.7% | 20.5% | 22.3% | 22.4% | 22.5% |
| Net profit | 89 Cr | 107 Cr | 107 Cr | 127 Cr | 110 Cr | 122 Cr | 117 Cr | 142 Cr | 154 Cr | 139 Cr | 164 Cr | 170 Cr |
| EPS (₹) | ₹11.28 | ₹13.51 | ₹13.56 | ₹16.05 | ₹13.89 | ₹15.38 | ₹14.75 | ₹18.00 | ₹19.42 | ₹17.59 | ₹20.71 | ₹21.48 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 338 Cr | 431 Cr | 518 Cr | 651 Cr | 798 Cr | 907 Cr | 1,010 Cr | Sign in for TTM |
| Other income | 1 Cr | 0.80 Cr | 2 Cr | 1 Cr | 2 Cr | 3 Cr | 4 Cr | Sign in for TTM |
| Net operating income | 339 Cr | 431 Cr | 520 Cr | 653 Cr | 799 Cr | 909 Cr | 1,014 Cr | Sign in for TTM |
| Employee cost | 117 Cr | 147 Cr | 173 Cr | 234 Cr | 302 Cr | 356 Cr | 378 Cr | Sign in for TTM |
| Other expenses | 57 Cr | 58 Cr | 58 Cr | 89 Cr | 121 Cr | 147 Cr | 169 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 10 Cr | 20 Cr | 21 Cr | 24 Cr | 29 Cr | 33 Cr | 36 Cr | Sign in for TTM |
| Profit before tax | 258 Cr | 302 Cr | 353 Cr | 453 Cr | 548 Cr | 625 Cr | 733 Cr | Sign in for TTM |
| Tax % | 31.7% | 17.5% | 18.0% | 21.5% | 21.7% | 21.5% | 21.6% | Sign in for TTM |
| Net profit | 176 Cr | 249 Cr | 289 Cr | 355 Cr | 430 Cr | 491 Cr | 574 Cr | Sign in for TTM |
| EPS (₹) | ₹23.66 | ₹31.85 | ₹36.86 | ₹45.10 | ₹54.38 | ₹62.03 | ₹72.54 | Sign in for TTM |
| Dividend payout % | — | — | — | 0.0% | 0.0% | 0.0% | 0.0% | Sign in for TTM |
Sign in for TTM
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Equity capital | 78 Cr | 78 Cr | 79 Cr | 79 Cr | 79 Cr | 79 Cr | 79 Cr |
| Reserves | 1,759 Cr | 2,020 Cr | 2,322 Cr | 2,727 Cr | 3,191 Cr | 3,694 Cr | 4,282 Cr |
| Borrowings | 3,653 Cr | 5,352 Cr | 6,345 Cr | 7,972 Cr | 9,841 Cr | 12,336 Cr | 13,850 Cr |
| Other liabilities | 137 Cr | 208 Cr | 213 Cr | 239 Cr | 299 Cr | 410 Cr | 408 Cr |
| Total liabilities | 5,627 Cr | 7,658 Cr | 8,959 Cr | 11,017 Cr | 13,410 Cr | 16,519 Cr | 18,618 Cr |
| Fixed assets (net) | 19 Cr | 27 Cr | 25 Cr | 27 Cr | 32 Cr | 30 Cr | 30 Cr |
| CWIP | 4 Cr | 0.31 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr |
| Investments | 0 Cr | 0 Cr | 0 Cr | 53 Cr | 111 Cr | 182 Cr | 230 Cr |
| Loans & advances | 4,724 Cr | 6,181 Cr | 7,523 Cr | 9,053 Cr | 11,476 Cr | 14,004 Cr | 16,230 Cr |
| Trade receivables | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 12 Cr | 11 Cr |
| Cash & bank | 160 Cr | 351 Cr | 22 Cr | 48 Cr | 178 Cr | 21 Cr | 11 Cr |
| Other assets | 720 Cr | 1,099 Cr | 1,389 Cr | 1,837 Cr | 1,613 Cr | 2,270 Cr | 2,106 Cr |
| Total assets | 5,627 Cr | 7,658 Cr | 8,959 Cr | 11,017 Cr | 13,410 Cr | 16,519 Cr | 18,618 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | — | -1,135 Cr | -1,915 Cr | -1,987 Cr | -1,660 Cr |
| Cash from investing | — | — | — | -463 Cr | 186 Cr | -647 Cr | 176 Cr |
| Cash from financing | — | — | — | 1,623 Cr | 1,858 Cr | 2,477 Cr | 1,475 Cr |
| Net cash flow | — | — | — | 26 Cr | 130 Cr | -156 Cr | -9 Cr |
| Free cash flow (OCF − Capex) | — | — | — | -1,151 Cr | -1,953 Cr | -2,019 Cr | -1,690 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| ROCE % | 9.3% | 31.4% | 33.8% | 33.1% | 8.7% | 9.0% | 9.6% |
| ROE % | 0.0% | 0.0% | 12.0% | 0.0% | 0.0% | 0.0% | 13.2% |
| Debtor days | 0 | 0 | 0 | 0 | 0 | 2 | 2 |
| Inventory days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — |
| Cash conversion cycle | 0 | 0 | 0 | 0 | 0 | 2 | 2 |
| Debt / equity | 1.99 | 0.03 | 0.03 | 0.03 | 3.01 | 3.27 | 3.18 |
| Current ratio | — | — | — | — | — | — | — |
| Net debt / EBITDA | 6.69 | 0.00 | 0.00 | 0.00 | 8.28 | 8.30 | 7.81 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Gross NPA | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — |
| Net NPA | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — |
| CET1 % | — | — | — | — | — | — | — |
| Additional Tier 1 % | — | — | — | — | — | — | — |
| Capital adequacy % | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — |
| ROA % | — | — | — | — | — | — | — |
Compare with peers
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