Aavas Financiers Limited Net Assets
Aavas Financiers Limited net assets. Based on the latest financial reports, Aavas Financiers Limited (AAVAS) has net assets worth Rs52.20 Billion INR (≈ $564.48 Million USD) as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs217.85 Billion ≈ $2.36 Billion USD) and total liabilities (Rs165.65 Billion ≈ $1.79 Billion USD). 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. Also explore AAVAS shareholders equity momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs52.20 Billion |
| % of Total Assets | 23.96% |
| Annual Growth Rate | 45.65% |
| 5-Year Change | 79.97% |
| 10-Year Change | 723.25% |
| Growth Volatility | 54.63 |
Net Assets of Aavas Financiers Limited (2014–2026)
Net assets of Aavas Financiers Limited from 2014 to 2026. This chart illustrates how Aavas Financiers Limited's net assets have evolved over time, based on quarterly financial data. See Aavas Financiers Limited balance sheet independence to measure how much of total assets are equity-financed.
Annual Net Assets for Aavas Financiers Limited (2014–2026)
The table below shows the annual net assets of Aavas Financiers Limited from 2014 to 2026. For live market cap and overall valuation, see Aavas Financiers Limited market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2026-03-31 | Rs50.51 Billion ≈ $546.23 Million |
+15.82% |
| 2025-03-31 | Rs43.61 Billion ≈ $471.61 Million |
+15.57% |
| 2024-03-31 | Rs37.73 Billion ≈ $408.07 Million |
+15.40% |
| 2023-03-31 | Rs32.70 Billion ≈ $353.60 Million |
+16.51% |
| 2022-03-31 | Rs28.06 Billion ≈ $303.50 Million |
+16.90% |
| 2021-03-31 | Rs24.01 Billion ≈ $259.64 Million |
+14.44% |
| 2020-03-31 | Rs20.98 Billion ≈ $226.88 Million |
+14.20% |
| 2019-03-31 | Rs18.37 Billion ≈ $198.67 Million |
+67.24% |
| 2018-03-31 | Rs10.98 Billion ≈ $118.79 Million |
+79.03% |
| 2017-03-31 | Rs6.14 Billion ≈ $66.35 Million |
+201.02% |
| 2016-03-31 | Rs2.04 Billion ≈ $22.04 Million |
+100.92% |
| 2015-03-31 | Rs1.01 Billion ≈ $10.97 Million |
+83.06% |
| 2014-03-31 | Rs554.13 Million ≈ $5.99 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 50539.7% over the analyzed period, indicating profitable operations and earnings retention.
Aavas Financiers Limited Net Assets Breakdown (March 2026)
Aavas Financiers Limited net assets breakdown by equity component as of March 2026.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs28.17 Billion | 55.76% |
| Common Stock | Rs792.83 Million | 1.57% |
| Other Comprehensive Income | Rs7.69 Billion | 15.22% |
| Other Components | Rs13.86 Billion | 27.44% |
| Total Equity | Rs50.51 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 |
|---|---|
|
Ningbo Fuda Co Ltd
SHG:600724
|
$911.50 Million |
|
Jupiter Life Line Hospitals Limited
NSE:JLHL
|
$911.69 Million |
|
Wuxi Dk Electronic Materials Co Ltd
SHE:300842
|
$912.01 Million |
|
Shunfa Hengye Corp
SHE:000631
|
$912.08 Million |
|
MeiraGTx Holdings PLC
NASDAQ:MGTX
|
$911.45 Million |
|
Douglas Dynamics Inc
NYSE:PLOW
|
$911.31 Million |
|
Jiangsu Gian Technology Co Ltd
SHE:300709
|
$911.12 Million |
|
Shenzhen Laibao High-Technology Co Ltd
SHE:002106
|
$910.96 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 2025 to 2026, total equity changed from 43,608,323,000 to 50,508,455,000, a change of 6,900,132,000 (15.8%).
- Net income of 6,548,813,000 contributed positively to equity growth.
- New share issuances of 12,526,000 increased equity.
- Other comprehensive income increased equity by 7,061,493,001.
- Other factors decreased equity by 6,722,700,001.
Equity Change Factors (2025 to 2026)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs6.55 Billion | +12.97% |
| Share Issuances | Rs12.53 Million | +0.02% |
| Other Comprehensive Income | Rs7.06 Billion | +13.98% |
| Other Changes | Rs-6.72 Billion | -13.31% |
| Total Change | Rs- | 15.82% |
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: 1.67x
- 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 54.94x to 1.67x 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 | Rs19.35 | Rs1062.90 | x |
| 2015-03-31 | Rs14.17 | Rs1062.90 | x |
| 2016-03-31 | Rs28.46 | Rs1062.90 | x |
| 2017-03-31 | Rs85.67 | Rs1062.90 | x |
| 2018-03-31 | Rs153.38 | Rs1062.90 | x |
| 2019-03-31 | Rs241.05 | Rs1062.90 | x |
| 2020-03-31 | Rs265.15 | Rs1062.90 | x |
| 2021-03-31 | Rs303.65 | Rs1062.90 | x |
| 2022-03-31 | Rs354.09 | Rs1062.90 | x |
| 2023-03-31 | Rs412.95 | Rs1062.90 | x |
| 2024-03-31 | Rs476.27 | Rs1062.90 | x |
| 2025-03-31 | Rs546.68 | Rs1062.90 | x |
| 2026-03-31 | Rs637.99 | Rs1062.90 | 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): 12.97%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 24.39%
- • Asset Turnover: 0.13x
- • Equity Multiplier: 4.20x
- Recent ROE (12.97%) is above the historical average (12.50%), 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 | Rs7.96 Million |
| 2015 | 18.81% | 18.41% | 0.12x | 8.40x | Rs89.37 Million |
| 2016 | 16.08% | 17.41% | 0.11x | 8.39x | Rs123.98 Million |
| 2017 | 9.31% | 19.37% | 0.11x | 4.19x | Rs-42.16 Million |
| 2018 | 8.47% | 22.59% | 0.11x | 3.48x | Rs-168.06 Million |
| 2019 | 9.58% | 30.05% | 0.10x | 3.06x | Rs-76.71 Million |
| 2020 | 11.87% | 32.34% | 0.10x | 3.65x | Rs392.50 Million |
| 2021 | 12.03% | 30.87% | 0.10x | 3.73x | Rs488.38 Million |
| 2022 | 12.66% | 31.98% | 0.10x | 3.93x | Rs745.38 Million |
| 2023 | 13.14% | 31.70% | 0.10x | 4.10x | Rs1.03 Billion |
| 2024 | 13.00% | 29.21% | 0.10x | 4.38x | Rs1.13 Billion |
| 2025 | 13.17% | 28.89% | 0.11x | 4.27x | Rs1.38 Billion |
| 2026 | 12.97% | 24.39% | 0.13x | 4.20x | Rs1.50 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: $26,554,920,001
- Average return on equity (ROE) among peers: 12.99%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Aavas Financiers Limited (AAVAS) | Rs52.20 Billion | 11.44% | 3.17x | $911.49 Million |
| Aadhar Housing Finance Ltd (AADHARHFC) | $63.72 Billion | 14.31% | 2.64x | $1.97 Billion |
| Aptus Value Housing Finance India Limited (APTUS) | $33.39 Billion | 15.06% | 1.15x | $1.04 Billion |
| Bajaj Housing Finance (BAJAJHFL) | $55.85 Billion | 7.54% | 4.62x | $6.97 Billion |
| GIC Housing Finance Limited (GICHSGFIN) | $1.47 Billion | 22.46% | 11.06x | $70.25 Million |
| Home First Finance Company India Limited (HOMEFIRST) | $5.23 Billion | 8.75% | 3.75x | $1.21 Billion |
| INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) | $10.76 Billion | 11.94% | 1.99x | $724.81 Million |
| PNB Housing Finance Limited (PNBHOUSING) | $63.06 Billion | 13.34% | 9.12x | $2.99 Billion |
| Repco Home Finance Limited (REPCOHOME) | $2.48 Billion | 23.47% | 7.47x | $211.09 Million |
| Reliance Home Finance Limited (RHFL) | $3.03 Billion | 0.00% | 8.40x | $6.98 Million |
About 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; home construction loans for residential houses; resale property purchase loans, and home improvement loans, including loans for tiling or flooring, plaster or painting, etc. It also provides loans aga… Read more