Stock Research: Aavas Financiers

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Aavas Financiers

NSEI:AAVAS INE216P01012
10
  • Value
    54
  • Growth
    44
  • Safety
    Safety
    14
  • Combined
    12
  • Sentiment
    17
  • 360° View
    360° View
    10
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Company Description

Aavas Financiers Limited is an India-based retail, affordable housing finance company, primarily serving low- and middle-income self-employed customers in semi-urban and rural areas. The Company’s loan products include Home Loan, Home Construction Loan, Home Loan Balance Transfer, Home Improvement Loan, Loan Against Property, MSME Business Loan, Small Ticket Size Loan, and Aavas Rooftop Solar Finance. The Company offers home construction loans for the purpose of self-construction of residential house property. Aavas Rooftop Solar Loan offers financing for the installation of rooftop solar systems. It provides housing loans, primarily, to the un-served and un-reached markets, which include the States of Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Uttarakhand, Punjab, Himachal Pradesh, Delhi, Odisha, Karnataka and Tamil Nadu. The Company operates in approximately 14 states with a total of 397 branches.

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Analysis

ANALYSIS: With an Obermatt 360° View of 10 (better than 10% compared with alternatives), overall professional sentiment and financial characteristics for the stock Aavas Financiers are critical, mostly below average. The 360° View is based on consolidating four consolidated indicators, with three out of four metrics below average for Aavas Financiers. The only rank that is above average is the consolidated Safety Rank at 54, which means that the company has a financing structure that is safer than those of 54% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. But the Value, Growth and Sentiment Ranks are all below average. The consolidated Value Rank has a less desirable rank of 14, which means that the share price of Aavas Financiers is on the high side compared with typical size in indicators such as revenues, profits, and invested capital. The consolidated Growth Rank also has a low rank of 44, which implies that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. Finally, the consolidated Sentiment Rank is also low at a rank of 17, which means that professional investors are more pessimistic about the stock than for 83% of alternative investment opportunities. While Safety is strong, it’s not the most critical indicator, so we suggest proceeding with caution if you are considering this stock. ...read more

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Index
The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 21-Aug-2025.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Growth
Shows a company's growth potential.
High Growth Tough Times
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2024 2023 2022
Value
14 5 11 4
Growth
44 93 9 95
Safety
Safety
54 40 83 95
Sentiment
17 77 11 35
360° View
360° View
10 64 1 83
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Metrics Current 2024 2023 2022
Analyst Opinions
45 67 35 36
Opinions Change
10 67 28 37
Pro Holdings
n/a 79 39 39
Market Pulse
42 32 40 56
Sentiment
17 77 11 35
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Metrics Current 2024 2023 2022
Value
14 5 11 4
Growth
44 93 9 95
Safety Safety
54 40 83 95
Combined
12 42 11 91
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Metrics Current 2024 2023 2022
Price vs. Sales (P/S)
19 17 16 2
Price vs. Earnings (P/E)
16 9 11 5
Price vs. Book (P/B)
22 19 22 4
Dividend Yield
1 1 1 1
Value
14 5 11 4
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Metrics Current 2024 2023 2022
Revenue Growth
98 84 80 94
Profit Growth
67 73 42 55
Capital Growth
1 94 1 74
Stock Returns
29 63 3 87
Growth
44 93 9 95
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Metrics Current 2024 2023 2022
Leverage
58 60 80 86
Refinancing
3 4 4 30
Liquidity
100 71 98 98
Safety Safety
54 40 83 95

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