Aavas Financiers Limited
Aavas Financiers Limited provides housing finance services to low- and middle-income 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 or painting, etc. It also … Read more
Aavas Financiers Limited (AAVAS) - Net Assets
Latest net assets as of September 2025: ₹46.80 Billion INR
Based on the latest financial reports, Aavas Financiers Limited (AAVAS) has net assets worth ₹46.80 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹194.41 Billion) and total liabilities (₹147.61 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹46.80 Billion |
| % of Total Assets | 24.07% |
| Annual Growth Rate | 48.71% |
| 5-Year Change | 81.64% |
| 10-Year Change | 2039.57% |
| Growth Volatility | 55.82 |
Aavas Financiers Limited - Net Assets Trend (2014–2025)
This chart illustrates how Aavas Financiers Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Aavas Financiers Limited (2014–2025)
The table below shows the annual net assets of Aavas Financiers Limited from 2014 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹43.61 Billion | +15.57% |
| 2024-03-31 | ₹37.73 Billion | +15.40% |
| 2023-03-31 | ₹32.70 Billion | +16.51% |
| 2022-03-31 | ₹28.06 Billion | +16.90% |
| 2021-03-31 | ₹24.01 Billion | +14.44% |
| 2020-03-31 | ₹20.98 Billion | +14.20% |
| 2019-03-31 | ₹18.37 Billion | +67.24% |
| 2018-03-31 | ₹10.98 Billion | +79.03% |
| 2017-03-31 | ₹6.14 Billion | +201.02% |
| 2016-03-31 | ₹2.04 Billion | +100.92% |
| 2015-03-31 | ₹1.01 Billion | +83.06% |
| 2014-03-31 | ₹554.13 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Aavas Financiers Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 51212.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹28.54 Billion | 65.45% |
| Common Stock | ₹791.54 Million | 1.82% |
| Other Comprehensive Income | ₹627.12 Million | 1.44% |
| Other Components | ₹13.65 Billion | 31.30% |
| Total Equity | ₹43.61 Billion | 100.00% |
Aavas Financiers Limited Competitors by Market Cap
The table below lists competitors of Aavas Financiers Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Lake Materials Co. Ltd.
KQ:281740
|
$497.60 Million |
|
V V Food & Beverage Co Ltd
SHG:600300
|
$497.63 Million |
|
Boss Resources Ltd
OTCQX:BQSSF
|
$497.67 Million |
|
CStone Pharmaceuticals
PINK:CSPHF
|
$497.91 Million |
|
Shandong Publishing & Media
SHG:601019
|
$497.48 Million |
|
Zur Rose Group AG
PINK:ZRSEF
|
$497.46 Million |
|
MCAN Mortgage Corporation
PINK:MAMTF
|
$497.40 Million |
|
Rio2 Ltd
V:RIO
|
$497.07 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Aavas Financiers Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 37,733,152,000 to 43,608,323,000, a change of 5,875,171,000 (15.6%).
- Net income of 5,741,082,000 contributed positively to equity growth.
- Share repurchases of 3,057,000 reduced equity.
- New share issuances of 3,057,000 increased equity.
- Other comprehensive income increased equity by 111,706,999.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹5.74 Billion | +13.17% |
| Share Repurchases | ₹3.06 Million | -0.01% |
| Share Issuances | ₹3.06 Million | +0.01% |
| Other Comprehensive Income | ₹111.71 Million | +0.26% |
| Other Changes | ₹22.38 Million | +0.05% |
| Total Change | ₹- | 15.57% |
Book Value vs Market Value Analysis
This analysis compares Aavas Financiers Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.02x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 56.94x to 2.02x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2014-03-31 | ₹19.35 | ₹1101.60 | x |
| 2015-03-31 | ₹14.17 | ₹1101.60 | x |
| 2016-03-31 | ₹28.46 | ₹1101.60 | x |
| 2017-03-31 | ₹85.67 | ₹1101.60 | x |
| 2018-03-31 | ₹153.38 | ₹1101.60 | x |
| 2019-03-31 | ₹241.05 | ₹1101.60 | x |
| 2020-03-31 | ₹265.15 | ₹1101.60 | x |
| 2021-03-31 | ₹303.65 | ₹1101.60 | x |
| 2022-03-31 | ₹354.09 | ₹1101.60 | x |
| 2023-03-31 | ₹412.95 | ₹1101.60 | x |
| 2024-03-31 | ₹476.27 | ₹1101.60 | x |
| 2025-03-31 | ₹546.68 | ₹1101.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Aavas Financiers Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.17%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.89%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 4.27x
- Recent ROE (13.17%) is above the historical average (12.46%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 11.44% | 11.67% | 0.13x | 7.54x | ₹7.96 Million |
| 2015 | 18.81% | 18.41% | 0.12x | 8.40x | ₹89.37 Million |
| 2016 | 16.08% | 17.41% | 0.11x | 8.39x | ₹123.98 Million |
| 2017 | 9.31% | 19.37% | 0.11x | 4.19x | ₹-42.16 Million |
| 2018 | 8.47% | 22.59% | 0.11x | 3.48x | ₹-168.06 Million |
| 2019 | 9.58% | 30.05% | 0.10x | 3.06x | ₹-76.71 Million |
| 2020 | 11.87% | 32.34% | 0.10x | 3.65x | ₹392.50 Million |
| 2021 | 12.03% | 30.87% | 0.10x | 3.73x | ₹488.38 Million |
| 2022 | 12.66% | 31.98% | 0.10x | 3.93x | ₹745.38 Million |
| 2023 | 13.14% | 31.70% | 0.10x | 4.10x | ₹1.03 Billion |
| 2024 | 13.00% | 29.21% | 0.10x | 4.38x | ₹1.13 Billion |
| 2025 | 13.17% | 28.89% | 0.11x | 4.27x | ₹1.38 Billion |
Industry Comparison
This section compares Aavas Financiers Limited's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $43,648,601,222
- Average return on equity (ROE) among peers: 11.65%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Aavas Financiers Limited (AAVAS) | ₹46.80 Billion | 11.44% | 3.15x | $497.55 Million |
| Aadhar Housing Finance Ltd (AADHARHFC) | $26.93 Billion | 0.00% | 4.06x | $588.72 Million |
| Aptus Value Housing Finance India Limited (APTUS) | $33.39 Billion | 15.06% | 1.15x | $898.91 Million |
| Bajaj Housing Finance (BAJAJHFL) | $36.58 Billion | 2.85% | 4.26x | $877.90 Million |
| Can Fin Homes Limited (CANFINHOME) | $1.74 Billion | 15.52% | 9.45x | $860.40 Million |
| GIC Housing Finance Limited (GICHSGFIN) | $4.66 Billion | 24.40% | 6.99x | $58.58 Million |
| Home First Finance Company India Limited (HOMEFIRST) | $5.23 Billion | 8.75% | 3.75x | $950.21 Million |
| INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) | $22.99 Billion | 10.77% | 1.52x | $357.03 Million |
| LIC Housing Finance Limited (LICHSGFIN) | $111.57 Billion | 17.41% | 12.53x | $1.73 Billion |
| PNB Housing Finance Limited (PNBHOUSING) | $149.74 Billion | 10.07% | 3.84x | $1.58 Billion |