AAVAS:NSE-Aavas Financiers Limited (INR)

COMMON STOCK | Mortgage Finance | NSE

Last Closing Price

INR 1,058.10

Change

+96.15 (+10.00)%

Market Cap

INR 75.67B

Volume

0.03M

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

Aavas Financiers Limited provides housing loans to customers belonging to low- and middle- income segments in semi-urban and rural areas in India. The company 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. It also provides home equity loans; and micro, small, and medium enterprise loans for business expansion, purchase of equipment, working capital, etc., as well as balance transfer loans and products. As of March 31, 2019, it operated through 210 branches covering 122 districts in 10 states, including Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Delhi, Chhattisgarh, Uttar Pradesh, Uttarakhand, and Punjab. Aavas Financiers Limited was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in February 2017. The company was incorporated in 2011 and is based in Jaipur, India.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-03-27 )

Largest Industry Peers for Mortgage Finance

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDFC:NSE Housing Development Finance Co..

+20.75 (+1.20%)

INR3,037.81B 13.95 N/A
LICHSGFIN:NSE LIC Housing Finance Limited

+8.65 (+3.78%)

INR112.14B 4.19 N/A
IBULHSGFIN:NSE Indiabulls Housing Finance Lim..

-4.75 (-4.97%)

INR41.62B 1.36 N/A
CANFINHOME:NSE Can Fin Homes Limited

-3.25 (-1.05%)

INR41.12B 11.75 N/A
GICHSGFIN:NSE GIC Housing Finance Limited

+1.85 (+3.10%)

INR3.36B 5.24 N/A
DHFL:NSE Dewan Housing Finance Corporat..

+0.15 (+1.68%)

INR2.87B N/A N/A

ETFs Containing AAVAS

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Mortgage Finance)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -46.27% 43% F 29% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -46.27% 43% F 29% F
Trailing 12 Months  
Capital Gain -3.53% 86% B 91% A-
Dividend Return N/A N/A N/A N/A N/A
Total Return -3.53% 86% B 91% A-
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 37.07% 91% A- 81% B-
Dividend Return N/A N/A N/A N/A N/A
Total Return 37.07% 91% A- 80% B-
Risk Return Profile  
Volatility (Standard Deviation) 57.46% 27% F 27% F
Risk Adjusted Return 64.51% 82% B- 77% C+
Market Capitalization 75.67B 71% C- 87% B+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Mortgage Finance)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 31.04 17% F 15% F
Price/Book Ratio 3.81 14% F 11% F
Price / Cash Flow Ratio -5.93 86% B 90% A-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity N/A N/A N/A N/A N/A
Return on Invested Capital 3.64% 86% B 30% F
Return on Assets N/A N/A N/A N/A N/A
Debt to Equity Ratio 195.75% 86% B 7% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta N/A N/A N/A N/A N/A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector