Aavas Financiers Limited (AAVAS) - Net Assets

Latest as of September 2025: Rs46.80 Billion INR ≈ $506.11 Million USD

Based on the latest financial reports, Aavas Financiers Limited (AAVAS) has net assets worth Rs46.80 Billion INR (≈ $506.11 Million USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs194.41 Billion ≈ $2.10 Billion USD) and total liabilities (Rs147.61 Billion ≈ $1.60 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. Check AAVAS financial resilience to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs46.80 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. Also explore Aavas Financiers Limited assets under control for the complete picture of this company's asset base.

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. For live valuation and market cap data, see market cap of Aavas Financiers Limited.

Year	Net Assets	Change
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 51212.9% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (March 2025)

Component	Amount	Percentage
Retained Earnings	Rs28.54 Billion	65.45%
Common Stock	Rs791.54 Million	1.82%
Other Comprehensive Income	Rs627.12 Million	1.44%
Other Components	Rs13.65 Billion	31.30%
Total Equity	Rs43.61 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
Darma Henwa Tbk JK:DEWA	$1.18 Billion
Pharming Group NV NASDAQ:PHAR	$1.18 Billion
Cadre Holdings Inc NYSE:CDRE	$1.18 Billion
thyssenkrupp nucera AG & Co. KGaA XETRA:NCH2	$1.18 Billion
Anbio Biotechnology Class A Ordinary Shares NASDAQ:NNNN	$1.18 Billion
Mitra Adiperkasa Tbk JK:MAPI	$1.18 Billion
Fox-Wizel Ltd TA:FOX	$1.18 Billion
Adtran Networks SE F:ADV	$1.18 Billion

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	Rs5.74 Billion	+13.17%
Share Repurchases	Rs3.06 Million	-0.01%
Share Issuances	Rs3.06 Million	+0.01%
Other Comprehensive Income	Rs111.71 Million	+0.26%
Other Changes	Rs22.38 Million	+0.05%
Total Change	Rs-	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: 2.53x
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 71.37x to 2.53x 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	Rs1380.70	x
2015-03-31	Rs14.17	Rs1380.70	x
2016-03-31	Rs28.46	Rs1380.70	x
2017-03-31	Rs85.67	Rs1380.70	x
2018-03-31	Rs153.38	Rs1380.70	x
2019-03-31	Rs241.05	Rs1380.70	x
2020-03-31	Rs265.15	Rs1380.70	x
2021-03-31	Rs303.65	Rs1380.70	x
2022-03-31	Rs354.09	Rs1380.70	x
2023-03-31	Rs412.95	Rs1380.70	x
2024-03-31	Rs476.27	Rs1380.70	x
2025-03-31	Rs546.68	Rs1380.70	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	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

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: $39,752,014,439
Average return on equity (ROE) among peers: 12.42%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Aavas Financiers Limited (AAVAS)	Rs46.80 Billion	11.44%	3.15x	$1.18 Billion
Aadhar Housing Finance Ltd (AADHARHFC)	$63.72 Billion	14.31%	2.64x	$2.29 Billion
Aptus Value Housing Finance India Limited (APTUS)	$33.39 Billion	15.06%	1.15x	$1.41 Billion
Bajaj Housing Finance (BAJAJHFL)	$122.33 Billion	14.15%	5.69x	$7.85 Billion
GIC Housing Finance Limited (GICHSGFIN)	$2.85 Billion	17.56%	6.38x	$88.24 Million
Home First Finance Company India Limited (HOMEFIRST)	$15.74 Billion	11.83%	2.25x	$1.31 Billion
INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)	$12.41 Billion	12.52%	2.46x	$951.30 Million
PNB Housing Finance Limited (PNBHOUSING)	$89.23 Billion	10.42%	7.00x	$2.95 Billion
Repco Home Finance Limited (REPCOHOME)	$15.62 Billion	15.95%	6.04x	$275.64 Million
Reliance Home Finance Limited (RHFL)	$2.48 Billion	0.00%	7.60x	$10.54 Million

About Aavas Financiers Limited

NSE:AAVAS India Mortgage Finance

Market Cap

$1.18 Billion

Rs109.34 Billion INR

Market Cap Rank

#8386 Global

#397 in India

Share Price

Rs1380.70

Change (1 day)

-0.10%

52-Week Range

Rs1073.90 - Rs2092.50

All Time High

Rs3195.80