Aavas Financiers Ltd.
₹1,629.50
Last updated: 21 Nov, 2025, 02:09 PM
ShareAAVAS Income statement
All values in ₹ Cr.
| FY 25 | FY 24 | FY 23 | FY 22 | FY 21 | FY 20 | FY 19 | |
|---|---|---|---|---|---|---|---|
| Total Income | 2,358 | 2,020 | 1,610 | 1,306 | 1,105 |  | |
| Total Expenses | 1,590 | 1,364 | 1,041 | 822.38 | 708.68 | | |
| Pre-Provisioning Operating Profit | 768.04 | 656.48 | 568.98 | 483.17 | 396.65 | | |
| Provisions and Contingencies | 27.12 | 24.47 | 12.42 | 22.61 | 37.14 | | |
| Profit Before Tax | 740.91 | 632 | 556.56 | 460.57 | 359.51 | | |
| Tax % | 21.39 | 21.16 | 21.37 | 21.29 | 17.76 | | |
| Net Profit | 582.43 | 498.25 | 437.64 | 362.51 | 295.68 | | |
| EPS | 72.54 | 62.03 | 54.44 | 45.31 | 36.94 | | |
| Net Interest Income | 1,347 | 1,189 | 1,017 | 826.86 | 644.93 | | |
NIM (%) | 8.79 | 9.22 | 9.82 | 9.93 | 9.41 | | |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | | |
AAVAS Balance sheet
All values in ₹ Cr.
| FY 25 | FY 24 | FY 23 | FY 22 | FY 21 | FY 20 | FY 19 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 79.15 | 79.14 | 79.06 | 78.94 | 78.50 | | |
| Reserves | 4,282 | 3,694 | 3,191 | 2,729 | 2,323 | | |
| Minority Interest | -- | -- | -- | -- | -- | | |
| Non Current Liabilities | 129.40 | 1,519 | 1,603 | 1,863 | 1,608 | | |
| Current Liabilities | 14,128 | 11,227 | 8,537 | 6,349 | 4,951 | | |
| Total Liabilities | 18,618 | 16,519 | 13,411 | 11,020 | 8,960 | | |
| Non Current Assets | 166.71 | 156.55 | 114.35 | 84.18 | 66.85 | | |
| Current Assets | 18,452 | 16,363 | 13,296 | 10,936 | 8,893 | | |
| Total Assets | 18,618 | 16,519 | 13,411 | 11,020 | 8,960 | | |
| Contingent Liabilities | -- | 15.63 | 16.04 | 10.32 | 0.48 | | |
AAVAS Cash flow
All values in ₹ Cr.
| FY 25 | FY 24 | FY 23 | FY 22 | FY 21 | FY 20 | FY 19 | |
|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -1,660 | -1,987 | -1,910 | -1,136 | -1,071 | | |
| Cash from Investment Activity | 176.23 | -646.80 | 186.31 | -467.11 | -265.22 | | |
| Cash from Financing Activity | 1,475 | 2,477 | 1,858 | 1,623 | 1,008 | | |
| Net Cash Flow | -9.25 | -156.11 | 134.36 | 20.42 | -328.33 | | |
AAVAS Ratio Analysis
| FY 25 | FY 24 | FY 23 | FY 22 | FY 21 | FY 20 | FY 19 | |
|---|---|---|---|---|---|---|---|
| Basic EPS (₹) | 73.58 | 62.96 | 55.36 | 45.92 | 37.66 | | |
| Diluted EPS (₹) | 71.97 | 61.93 | 54.32 | 45.02 | 36.62 | | |
| Cash EPS (₹) | 78.19 | 67.08 | 58.99 | 48.93 | 40.29 | | |
| Book Value Per Share (₹) | 550.93 | 476.79 | 413.57 | 355.76 | 305.89 | | |
| Dividend Per Share | 0 | 0 | 0 | 0 | 0 | | |
| Cash Flow Per Share | -209.73 | -251.02 | -241.62 | -143.90 | -136.39 | | |
| Current Ratio | 1.31 | 1.46 | 1.56 | 1.72 | 1.80 | | |
| Quick Ratio | 1.31 | 1.46 | 1.56 | 1.72 | 1.80 | | |
