Aavas Financiers Ltd. – Stock Analysis & Fundamentals

Aavas Financiers Ltd. is a housing finance company specializing in loans for low- and middle-income self-employed individuals in semi-urban and rural areas.

Fundamental Highlights (FY 2023-24)

• Total Assets: ₹16,258.38 crore
  
• Net Worth: ₹3,773.32 crore
  
• Debt: ₹12,398.30 crore (Debt-to-Equity Ratio: 3.28)
  
• Total Income: ₹2,020.30 crore
  
• Profit After Tax: ₹490.69 crore
  
• Assets Under Management (AUM): ₹17,312.65 crore
  
• Return on Assets (ROA): 3.05%
  
• Return on Equity (ROE): 14.4%
  
• Net Profit Margin: 24.83%
  

Stock Performance & Shareholding (March 2025)

• Stock Price: ₹2,084.05 (NSE), ₹2,092.45 (BSE)
  
• Market Cap: ₹15,141 crore (Mid-cap)
  
• P/E Ratio: 26.89
  
• P/B Ratio: 3.61
  
• Shareholding Pattern:
  
• Foreign Promoters: 26.47%
  
• Mutual Funds: 22.29%
  
• FIIs: 33.97%
  
• DIIs: 2.69%
  
• Others: 14.58%
  

Technical Analysis

• All-Time High: ₹3,340 (31st Jan 2022)
  
• Major Correction: -60.87% to ₹1,307 (26th March 2024)
  
• Breakout Level: ₹2,068 (recent consolidation breakout)
  

Bullish Targets (if sustained above ₹2,068):

• ₹2,310
  
• ₹2,510
  
• ₹2,865
  

Reversal Zone (if rejected): ₹1,801 - ₹1,908

Conclusion
Aavas Financiers is fundamentally strong, with solid revenue growth and stable asset quality. If the price sustains above ₹2,068, we may see a bullish rally. However, failure to hold could lead to a pullback toward ₹1,801–₹1,908.