Aavas Financiers Limited

Financial Services›Financial Services›Finance›Housing Finance Company

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Key metrics

Price as of 2026-07-17

Stock price
₹1481.40
Market cap
11,727 Cr
Stock P/E
18.7
P/B
2.51

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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

MetricJun 2022Sept 2022Dec 2022Mar 2023Jun 2023Sept 2023Dec 2023Mar 2024Mar 2025Jun 2025Sept 2025Dec 2025
Net Interest Income————————————
Other income0.09 Cr0.33 Cr0.71 Cr0.71 Cr0.04 Cr0.78 Cr1 Cr0.78 Cr1 Cr0.37 Cr0.43 Cr0.42 Cr
Net operating income0.09 Cr0.33 Cr0.71 Cr0.71 Cr0.04 Cr0.78 Cr1 Cr0.78 Cr1 Cr0.37 Cr0.43 Cr0.42 Cr
Employee cost68 Cr78 Cr81 Cr76 Cr95 Cr82 Cr83 Cr96 Cr112 Cr111 Cr113 Cr114 Cr
Other expenses27 Cr28 Cr32 Cr34 Cr30 Cr38 Cr41 Cr37 Cr48 Cr44 Cr46 Cr45 Cr
Provisions & contingencies————————————
Depreciation6 Cr7 Cr7 Cr9 Cr7 Cr8 Cr9 Cr9 Cr10 Cr9 Cr11 Cr11 Cr
Profit before tax114 Cr138 Cr138 Cr159 Cr141 Cr157 Cr150 Cr177 Cr193 Cr179 Cr211 Cr219 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 profit89 Cr107 Cr107 Cr127 Cr110 Cr122 Cr117 Cr142 Cr154 Cr139 Cr164 Cr170 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

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Net Interest Income338 Cr———798 Cr907 Cr—Sign in for TTM
Other income1 Cr0.80 Cr2 Cr1 Cr2 Cr3 Cr4 CrSign in for TTM
Net operating income339 Cr0.80 Cr2 Cr1 Cr799 Cr909 Cr4 CrSign in for TTM
Employee cost117 Cr147 Cr173 Cr234 Cr302 Cr356 Cr378 CrSign in for TTM
Other expenses57 Cr58 Cr58 Cr89 Cr121 Cr147 Cr169 CrSign in for TTM
Provisions & contingencies———————Sign in for TTM
Depreciation10 Cr20 Cr21 Cr24 Cr29 Cr33 Cr36 CrSign in for TTM
Profit before tax258 Cr302 Cr353 Cr453 Cr548 Cr625 Cr733 CrSign in for TTM
Tax %31.7%17.5%18.0%21.5%21.7%21.5%21.6%Sign in for TTM
Net profit176 Cr249 Cr289 Cr355 Cr430 Cr491 Cr574 CrSign in for TTM
EPS (₹)₹23.66₹31.85₹36.86₹45.10₹54.38₹62.03₹72.54Sign 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

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity capital78 Cr78 Cr79 Cr79 Cr79 Cr79 Cr79 Cr
Reserves1,759 Cr2,020 Cr2,322 Cr2,727 Cr3,191 Cr3,694 Cr4,282 Cr
Borrowings3,117 Cr———8,316 Cr10,933 Cr12,122 Cr
Other liabilities673 Cr———1,824 Cr1,813 Cr2,135 Cr
Total liabilities5,627 Cr———13,410 Cr16,519 Cr18,618 Cr
Fixed assets (net)19 Cr———32 Cr30 Cr30 Cr
CWIP4 Cr———0.0000 Cr0.0000 Cr0.0000 Cr
Investments0.0000 Cr———111 Cr182 Cr230 Cr
Other assets160 Cr———178 Cr33 Cr23 Cr
Total assets5,627 Cr———13,410 Cr16,519 Cr18,618 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from operating activity———-1,135 Cr-1,915 Cr-1,987 Cr-1,660 Cr
Cash from investing———-463 Cr186 Cr-647 Cr176 Cr
Cash from financing———1,623 Cr1,858 Cr2,477 Cr1,475 Cr
Net cash flow———26 Cr130 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.

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROCE %10.3%31.4%33.8%33.1%9.8%9.9%10.6%
ROE %0.0%0.0%12.0%0.0%0.0%0.0%13.2%
Debtor days0———022
Inventory days0———000
Days payable———————
Cash conversion cycle0———022
Debt / equity1.700.030.030.032.542.902.78
Current ratio———————
Net debt / EBITDA5.670.000.000.006.987.366.82

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