Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Mortgage Finance

Aavas Financiers Limited provides housing finance services to customers belonging to low- and middle-income self-employed customers in semi-urban and rural areas in India. The company offers home loans for flats, houses, and bungalows, as well as resale properties; home construction loans for self-construction of residential house; and home improvement loans, including loans for tiling or flooring, plaster, painting, etc. It also provides loans against property; home equity loan; and micro, small, and medium enterprise loans, as well as home loan balance transfer, and Small Ticket Size loan. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in May 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.

Revenue projections:

Revenue projections for AAVAS
Revenue projections for AAVAS

With Aavas Financiers Limited's revenues expected to fall below the previous year's, investors are likely to approach the stock with caution. Declining revenues can negatively affect profitability, which makes it harder for the company to maintain investor confidence and perform well in the market.

Financial Ratios:

currentRatio 1603.958000
forwardPE 11.093178
debtToEquity 310.553000
earningsGrowth 0.183000
revenueGrowth 0.192000
grossMargins 0.993390
operatingMargins 0.530830
trailingEps 82.110000
forwardEps 117.639870

With a current ratio 1603.958, AAVAS demonstrates the ability to service its short-term debt without difficulty. The company's strong cash reserves and current assets ensure that it can meet its liabilities, reflecting financial stability and healthy liquidity.
Aavas Financiers Limited's Forward PE is within a good range, showing that the stock price compares well to its earnings. This suggests it isn't overpriced and leaves room for growth, making the stock appealing to investors looking for value and growth opportunities.
AAVAS's high debt-to-equity ratio points to a heavily leveraged company, with more debt than equity in its capital structure. While this can boost growth, it increases financial vulnerability in times of economic difficulty.
Aavas Financiers Limited's positive earnings and revenue growth suggest that the company is poised for business expansion. This financial strength indicates that Aavas Financiers Limited is expected to continue growing, with rising profits and sales contributing to its long-term success.
With positive gross and operating margins, AAVAS demonstrates strong profitability. This reflects the company's ability to manage costs and maintain healthy profits, showcasing effective operational efficiency and financial stability.
AAVAS's forward EPS surpasses its trailing EPS, reflecting expectations of higher profitability in the current year. This suggests that AAVAS is projected to generate stronger earnings, indicating an optimistic financial outlook compared to the prior year's results.

Price projections:

Price projections for AAVAS
Price projections for AAVAS

The present price of AAVAS in relation to its projections indicates a lack of clear risks or opportunities. This balanced situation suggests that investors may find it prudent to wait for further signals before making significant moves in the stock.

Insider Transactions:

Insider Transactions for AAVAS
Insider Transactions for AAVAS


AAVAS experienced 2 sell transactions with market price of 1585.25 per share.During the period under review, no sell transactions were recorded.AAVAS has seen more buys than sells at its current price levels, which may suggest optimism among investors. This buying trend could indicate that the market expects a favorable performance for the stock in the near future.

Recommendation changes over time:

Recommendations trend for AAVAS
Recommendations trend for AAVAS


Analysts have shown a buy bias for AAVAS, marking it as a favorable investment option. This could inspire investors to see AAVAS as a strong place to park their money, given the positive outlook and growth potential associated with the stock in recent evaluations.