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's revenue forecasted to drop below last year's level, investors are expected to take a cautious stance. Such declines typically affect a company's bottom line, reducing profitability and making investors hesitant to invest heavily in the company until financial performance improves.

Financial Ratios:

currentRatio 0.000000
forwardPE 15.457167
debtToEquity 319.170000
earningsGrowth 0.096000
revenueGrowth 0.156000
grossMargins 0.993030
operatingMargins 0.518720
trailingEps 73.460000
forwardEps 75.040000

AAVAS'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 Financiers Limited's high debt-to-equity ratio indicates a strong reliance on debt, meaning the company is heavily leveraged. This could increase financial risks if cash flow or earnings decline, making it more difficult for Aavas Financiers Limited to manage its debt obligations.
AAVAS's positive gross and operating margins highlight its strong profitability. The company's ability to control costs while generating revenue indicates efficient operations and a healthy financial position.
AAVAS's forward EPS is greater than its trailing EPS, indicating that the company is expected to deliver higher profitability this year. This suggests that AAVAS is projected to improve its earnings, reflecting positive growth compared to last year's financial performance.

Price projections:

Price projections for AAVAS
Price projections for AAVAS

AAVAS's stock price has consistently been near the lower edge of expected values, indicating potential struggles in meeting growth projections. This trend may reflect a cautious market sentiment toward the company.

Insider Transactions:

Insider Transactions for AAVAS
Insider Transactions for AAVAS


AAVAS had 1 sell transactions, while the market price was at 2092.5 per share.During the review period, no sell transactions were executed.The trend of more buys than sells at Aavas Financiers Limited's current price levels suggests a possible bullish sentiment. This could indicate that investors are expecting a favorable outlook for the stock, prompting more buying activity.

Recommendation changes over time:

Recommendations trend for AAVAS
Recommendations trend for AAVAS


Aavas Financiers Limited has received a favorable buy bias from analysts recently, positioning it as a solid investment opportunity. This sentiment may attract more investors, who view Aavas Financiers Limited as a stable option to park their money and potentially benefit from the company's continued growth and profitability.