Technicals Stability Returns

TopStockResearch Celebrates Glorious 75 years of Indian Independence

with Made in India Product to make you Atma Nirbhar
Fundamental Analysis of Aavas Financiers (AAVAS)

Summary    Balance Sheet    Cash Flow    Income    Qtrly Income    Valuation Ratio    Profitability Ratios    Solvency    Efficiency Ratios    

Guru Numbers
Book Value/Share355.49
EV/EBITDA76.55
Market Cap (Cr)17355.19
Enterprise Value (Cr)25279.88
Piotroski F-Score7.00
Altman Z Score2.81
Graham No624.80
Price/ Graham 3.52
Peter Lynch Ratio0.488
Sloan Ratio0.177
Peter Lynch Fair value1220.17
Price/ Peter Lynch FV1.80
TSR Fair value31.67
Key Financial ratios of AAVAS
Ratio Latest FY Yoy Change TTM MRQ Screener/
About
Price to Earning    57.11 -12.99 % 45.03    
Price to Book    7.23 -8.50 % 6.60 11.39    
Price to Sales    17.26 -15.59 % 13.18    
Earning Per Share    44.99 21.99 % 48.81 11.28    
Return On Equity    12.66 5.17 % 14.65 3.17    
Return On Asset    3.22 -0.0316 % 3.81 0.808    
Net Profit Margin    30.23 -2.08 % 29.28 27.05    
Operating Profit Margin    29.34 22.78 % 26.38 27.83    
EBITDA Margin    31.36 -21.80 % 30.56 29.72    
Debt to Equity Ratio    2.84 -7.31 % 2.84    
Current Ratio    8.27 282.81 % 8.27    
Quick Ratio    0 0 % 8.27    
View Historitcal ratios of Aavas Financiers Ltd.
Valuation Ratios   Profitability Ratio   Solvency Ratios   Efficiency Ratios
Screen Financial Ratio using Custom Screener
Terrific View
Tsr Stability Index - Good Score of 67.50
Piotroski F Score - Good Value of 7.0
Tremendous increasing trend in Net Profit for last 3 year
Excellent Net Margin in for last 3 years
Tremendous increasing in Book Value last 3 year
Company Earning excess return
During the past twelve months, the company has given a strong Net Margin of 29.28%
All key Trailing Twelve Months Margin growing by 15 %
Steady View
Annual sales of the company is increased for three years in a row
Steady increase in Total Assets for last 3 Years
Good Return on Equity of 14.65% is achieved by the company
Risky View
Tsr Value Index - Very Poor Score of 9.72
Tsr Growth Index - Poor Score of 28.50
Tsr Profitability Index - Poor Score of 29.69
Stock Returns is less than Nifty returns for consequitive last three years
Very Expensive - Price to Intrinsic Value of 69.41
Price to Earning Ratio is 45.03 and EV to EBITDA is 68.60 suggesting that it is very expensive
Price to Book Ratio of 6.18 suggesting that it is very expensive
Very Low Dividend Yield of 0 %
Low Earning Yield of 2.05 %
Companies has high debt burden
Company is unable to generate enough free cash to support the business.
In the last three years, the company has given poor Returns on Assets
Terrific Steady Risky Stock View - Fundamental Snapshot
Share Overview
Promoter Owned39.20 %
Institution Owned44.41 %
Public/Others16.39 %
Outstanding Shares7.90 Cr
Floating Shares4.32 Cr
Floating / Outstanding54.73%
Book Value/Share355.49
Face value10.00
Share Holding
Annual Key Income Statement of AAVAS
Period 31_Mar_2022 31_Mar_2021 Growth
Net Income From Continuing Ops 355.18 288.92 22.93 %
Net Income 355.18 288.92 22.93 %
Operating Income 344.74 223.63 54.16 %
Total Revenue 1175.09 935.95 25.55 %
Operating Expense 830.35 99.94 730.85 %
Interest Expense 3.19 2.18 46.33 %
Tax Expense 97.51 63.63 53.25 %
Income Before tax 452.69 352.55 28.40 %
Gross Profit 457.59 323.57 41.42 %
Dividend Paid 0 0 %
   
Quarterly Key Income Statement of AAVAS
Period 30_Jun_2022 31_Mar_2022 Growth
Net Income From Continuing Ops 89.05 115.47 22.88 %
Net Income 89.05 115.47 22.88 %
Operating Income 91.61 88.47 3.55 %
Total Revenue 329.21 318.40 3.40 %
Operating Expense 237.60 229.93 3.34 %
Interest Expense 134.68 123.67 8.90 %
Tax Expense 25.39 30.34 16.32 %
Income Before tax 114.44 145.81 21.51 %
Gross Profit 124.37 124.94 0.456 %
Dividend Paid 0 0 %
   
Key Balance Sheet Fields
Period 31_Mar_2022 31-Mar-21 Growth
Common Stock 78.94 78.50 0.561 %
Current Liabilities 1287.22 1180.24 9.06 %
Total Liabilities 8211.05 6558.45 25.20 %
Current Assets 10645.92 2549.87 317.51 %
Total Assets 11017.48 8959.26 22.97 %
Working capital 9358.71 1369.63 583.30 %
Accounts Payable 3.70 2.85 29.82 %
Inventory 0 0 %
Net Receivable 9315.80 7732.92 20.47 %
   
Key Cash Flow Fields
Period 31_Mar_2022 31_Mar_2021 Growth
Cash EPS 47.75 39.15 21.97 %
Cash From Investment Activity -462.61 -264.92 74.62 %
Cash From Financial Activity 1623.43 1007.59 61.12 %
Cash Operational Activity -1135.11 -1071.17 5.97 %
Net Cash Flow 25.71 -328.50 107.83 %
NetIncome 355.18 288.92 22.93 %
Capital Expenditure 15.60 8.29 88.18 %
Change To Inventory 0 0 %
   



   About Aavas Financiers Limited
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. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in February 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.

Address : 201-202, Southend Square, Jaipur, India, 302020

URL : https://www.aavas.in

Employee Count : 5222

About TSR TECH Strength / Valuation / Growth

TSR Tech Strength is based on Deep Analysis, Back Testing and Historical Trend Analysis using Machine Learning. Overall Technical Strength is based on 50+ indicators including Technicals, moving Avg, chart patterns, candlestick and proprietary algorithms.Technical Strength is calculate from 5Mins Ticck to One Month Tick

TSR Growth analyses dozen of Historical , MRQ, TTM parameters, returns of Individual Stocks vis-a-vis sector , broad based Index to access Growth Potential

TSR Value analyses dozen of Historical , MRQ, TTM parameters, returns of Individual Stocks vis-a-vis sector , broad based Index to access its value

This is an automated process and in NO WAY should be considered as a tip as its based on past data. We strongly recommend to use these signals for information only and seek advise from a certified professional for any trading decision.If you like it then please share. The more the visitors the more the innovations. Feedback

We are working on fundamental strength also. Please share your views to help shape up the requirement.