Homeβ€ΊStocksβ€ΊAAVAS: AAVAS Financiers Ltd

AAVAS Financiers Ltd

NSEBSEAAVASFinancial ServicesConcall transcript
β‚Ή1,193.00
β–² β‚Ή2.50 Β (+0.21%)
NSE Β· Last Β· 11 Oct, 06:00 pm
Price
daily

Overlay is FY EPS implied P/E (stepped), not TTM.

Quant & risk snapshot

Metrics calculated as of last available close.

1W
β€”
1M
β€”
3M
β€”
6M
β€”
1Y
β€”
P/E now
β€”
3Y CAGR
β€”
5Y CAGR
β€”
1Y vol
β€”
5Y max DD
β€”
5Y EPS CAGR
β€”
5Y rerating
β€”
47
Empire Scoreβ„’
Fair
4
Piotroski
4/9 F-Score
13.9%
ROE
Return on equity
9.9%
ROCE
Return on capital
GRAHAM VALUE
β‚Ή938.75
~27% Premium
The Numbers That Matter
End-of-day filing snapshot Β· β€” when not disclosed
β€”EV / EBITDA
Financial Health Story
Revenue
Net Profit
Data is compiled from end-of-day institutional filings for educational structural analysis. Compare with audited filings before making financial decisions. Missing bars or β€” values are normal for banks or thin coverage. Chart magnitudes are shown in β‚Ή Cr (Indian grouping).
SWOT Analysis
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P/B valuation bands

Bands from median Β±1Οƒ of FY-implied P/B over the plotted window. These use book value, not earnings.

Base-100 compounding

Price, revenue, and net profit rebased to 100 at the first month where all series are positive. Annual fundamentals are step-held to month-end.

Peer Comparison

Sector: Financial ServicesΒ· 96 sector peers

Scroll horizontally to compare all sector peers.

MetricsAAVASYouAXISBANKAxis Bank LtdBAJAJFINSVBajaj Finserv LtdBAJAJHLDNGBajaj Holdings & Investment LtdBAJFINANCEBajaj Finance LtdHDFCBANKHDFC Bank LtdHDFCLIFEHDFC Life Insurance Company LtdICICIBANKICICI Bank LtdINDUSINDBKIndusInd Bank LtdIREDAIndian Renewable Energy Development Agency LtdKOTAKBANKKotak Mahindra Bank LtdSBILIFESBI Life Insurance Company LtdSBINState Bank of India360ONE360 ONE WAM LtdAADHARHFCAadhar Housing Finance LtdABCAPITALAditya Birla Capital LtdABSLAMCAditya Birla Sun Life AMC LtdAIILAuthum Investment & Infrastructure LtdANANDRATHIAnand Rathi Wealth LtdANGELONEAngel One LtdAPTUSAptus Value Housing Finance India LtdAUBANKAU Small Finance Bank LtdBAJAJHFLBajaj Housing Finance LtdBANDHANBNKBandhan Bank LtdBANKBARODABank of BarodaBANKINDIABank of IndiaBSEBSE LtdCANBKCanara BankCANFINHOMECan Fin Homes LtdCANHLIFECanara HSBC Life Insurance Company LtdCDSLCentral Depository Services (India) LtdCENTRALBKCentral Bank of IndiaCGCLCapri Global Capital LtdCHOICEINChoice International LtdCHOLAFINCholamandalam Investment & Finance Company LtdCHOLAHLDNGCholamandalam Financial Holdings LtdCREDITACCCreditAccess Grameen LtdCRISILCRISIL LtdCUBCity Union Bank LtdFEDERALBNKFederal Bank LtdFIVESTARFive-Star Business Finance LtdGICREGeneral Insurance Corporation of IndiaGODIGITGo Digit General Insurance LtdGROWWBillionbrains Garage Ventures LtdHDBFSHDB Financial Services LtdHDFCAMCHDFC Asset Management Company LtdHOMEFIRSTHome First Finance Company India LtdHUDCOHousing & Urban Development Corporation LtdICICIAMCICICI Prudential Asset Management Co LtdICICIGIICICI Lombard General Insurance Company LtdICICIPRULIICICI Prudential Life Insurance Company LtdIDBIIDBI Bank LtdIDFCFIRSTBIDFC First Bank LtdIEXIndian Energy Exchange LtdIFCIIFCI LtdIIFLIIFL Finance LtdINDIANBIndian BankIOBIndian Overseas BankIRFCIndian Railway Finance Corporation LtdJ&KBANKJammu and Kashmir Bank LtdJIOFINJio Financial Services LtdJMFINANCILJM Financial LtdKARURVYSYAKarur Vysya Bank LtdLICHSGFINLIC Housing Finance LtdLICILife Insurance Corporation of IndiaLTFL&T Finance LtdM&MFINMahindra & Mahindra Financial Services LtdMAHABANKBank of MaharashtraMANAPPURAMManappuram Finance LtdMCXMulti Commodity Exchange of India LtdMFSLMax Financial Services LtdMOTILALOFSMotilal Oswal Financial Services LtdMUTHOOTFINMuthoot Finance LtdNAM-INDIANippon Life India Asset Management LtdNIACLNew India Assurance Company LtdNIVABUPANiva Bupa Health Insurance Company LtdNUVAMANuvama Wealth Management LtdPFCPower Finance Corporation LtdPIRAMALFINPiramal Finance LtdPNBPunjab National BankPNBHOUSINGPNB Housing Finance LtdPOLICYBZRPB Fintech LtdPOONAWALLAPoonawalla Fincorp LtdRBLBANKRBL Bank LtdRECLTDREC LtdSAMMAANCAPSammaan Capital LtdSBFCSBFC Finance LtdSBICARDSBI Cards & Payment Services LtdSHRIRAMFINShriram Finance LtdSTARHEALTHStar Health & Allied Insurance Company LtdSUNDARMFINSundaram Finance LtdTATACAPTata Capital LtdTATAINVESTTata Investment Corporation LtdUCOBANKUCO BankUNIONBANKUnion Bank of IndiaUTIAMCUTI Asset Management Company LtdYESBANKYes Bank Ltd
Current Priceβ‚Ή1,193β‚Ή1,251.1β‚Ή1,741.4β‚Ή10,240β‚Ή882β‚Ή758.65β‚Ή579.9β‚Ή1,226.6β‚Ή885.55β‚Ή124.93β‚Ή388.7β‚Ή1,808.3β‚Ή1,091.3β‚Ή1,089.2β‚Ή465.15β‚Ή351.3β‚Ή1,027.2β‚Ή453.65β‚Ή3,539.3β‚Ή342.65β‚Ή260.6β‚Ή976.45β‚Ή83.28β‚Ή206.33β‚Ή265.8β‚Ή137.29β‚Ή3,931.9β‚Ή129.08β‚Ή829.3β‚Ή137.3β‚Ή1,226.8β‚Ή29.62β‚Ή198.77β‚Ή662.95β‚Ή1,482.8β‚Ή1,480.5β‚Ή1,315.4β‚Ή3,849.7β‚Ή249.6β‚Ή293.05β‚Ή439.2β‚Ή377.65β‚Ή311β‚Ή190.81β‚Ή648.7β‚Ή2,583.5β‚Ή1,069.6β‚Ή202.76β‚Ή3,322.1β‚Ή1,746.5β‚Ή482.45β‚Ή73.19β‚Ή71.59β‚Ή125.25β‚Ή71.64β‚Ή479.45β‚Ή825.55β‚Ή32.82β‚Ή96.67β‚Ή141.92β‚Ή237.64β‚Ή131.5β‚Ή294.05β‚Ή556.45β‚Ή830β‚Ή281.7β‚Ή305.2β‚Ή80.08β‚Ή328.75β‚Ή3,158.5β‚Ή1,580.1β‚Ή787.75β‚Ή3,501.4β‚Ή1,089.9β‚Ή165.3β‚Ή84.03β‚Ή1,350β‚Ή413.05β‚Ή1,869.8β‚Ή113.5β‚Ή1,047.9β‚Ή1,700β‚Ή397.8β‚Ή320.75β‚Ή375.8β‚Ή143.36β‚Ή94.51β‚Ή647.45β‚Ή953.25β‚Ή517.3β‚Ή4,574.6β‚Ή325.8β‚Ή725.15β‚Ή23.9β‚Ή180.2β‚Ή901.85β‚Ή22.5
P/E Ratio21.0Γ—14.0Γ—28.7Γ—13.8Γ—30.8Γ—13.9Γ—60.6Γ—17.3Γ—56.4Γ—15.6Γ—20.6Γ—0.0Γ—10.9Γ—34.0Γ—17.7Γ—26.2Γ—30.2Γ—21.6Γ—79.2Γ—26.1Γ—12.3Γ—229.0Γ—674.9Γ—0.0Γ—5.5Γ—5.4Γ—47.2Γ—5.7Γ—0.0Γ—0.0Γ—59.7Γ—6.0Γ—22.2Γ—71.2Γ—26.1Γ—10.4Γ—18.6Γ—38.2Γ—0.0Γ—18.0Γ—101.0Γ—6.8Γ—0.0Γ—48.9Γ—26.1Γ—34.8Γ—0.0Γ—8.1Γ—50.9Γ—0.0Γ—43.9Γ—9.4Γ—31.9Γ—19.9Γ—114.0Γ—12.0Γ—8.9Γ—10.3Γ—0.0Γ—7.1Γ—73.1Γ—11.0Γ—0.0Γ—5.2Γ—8.4Γ—23.5Γ—14.3Γ—8.3Γ—20.5Γ—54.2Γ—491.0Γ—30.4Γ—9.7Γ—43.6Γ—42.3Γ—0.0Γ—28.9Γ—4.4Γ—116.0Γ—6.1Γ—12.6Γ—109.0Γ—48.6Γ—70.2Γ—5.1Γ—0.0Γ—30.2Γ—0.0Γ—20.8Γ—0.0Γ—22.5Γ—27.0Γ—79.3Γ—12.1Γ—6.7Γ—21.7Γ—18.7Γ—
P/B Ratio0.0Γ—1.7Γ—3.9Γ—1.6Γ—5.7Γ—1.9Γ—6.0Γ—2.7Γ—1.2Γ—2.3Γ—2.1Γ—0.0Γ—1.7Γ—5.1Γ—2.7Γ—3.1Γ—6.9Γ—3.0Γ—31.3Γ—4.3Γ—2.4Γ—0.0Γ—0.0Γ—0.0Γ—0.8Γ—0.8Γ—15.4Γ—1.1Γ—0.0Γ—0.0Γ—13.5Γ—0.8Γ—2.9Γ—10.6Γ—4.2Γ—1.7Γ—3.0Γ—9.9Γ—0.0Γ—2.2Γ—0.0Γ—1.0Γ—0.0Γ—12.0Γ—3.7Γ—12.0Γ—0.0Γ—1.6Γ—0.0Γ—0.0Γ—5.3Γ—1.4Γ—1.5Γ—7.5Γ—2.4Γ—1.8Γ—1.5Γ—1.8Γ—0.0Γ—0.9Γ—1.2Γ—1.1Γ—0.0Γ—0.6Γ—2.6Γ—2.8Γ—1.6Γ—1.8Γ—2.0Γ—23.8Γ—10.2Γ—4.0Γ—4.0Γ—15.0Γ—1.2Γ—0.0Γ—7.3Γ—1.0Γ—1.6Γ—0.9Γ—1.5Γ—10.8Γ—3.4Γ—1.4Γ—1.1Γ—0.9Γ—3.3Γ—0.0Γ—2.4Γ—0.0Γ—3.2Γ—3.0Γ—1.1Γ—0.9Γ—1.0Γ—2.6Γ—1.4Γ—
ROE (%)13.9%13.1%13.2%11.9%18.2%13.6%11.3%15.9%1.4%15.6%11.4%13.8%15.4%14.4%15.9%12.0%25.2%12.8%47.3%15.6%20.1%22.3%12.1%4.9%12.7%12.4%46.0%16.1%19.7%8.1%24.5%11.9%16.5%16.1%19.4%17.5%10.5%24.5%13.2%11.6%16.0%14.6%12.6%28.8%14.7%32.9%16.0%20.0%87.3%17.9%12.6%14.1%3.8%39.4%2.0%12.6%15.4%15.6%12.8%15.4%1.2%11.9%19.3%14.4%37.8%11.2%12.3%22.6%7.0%56.3%1.5%15.5%30.9%34.5%4.9%4.2%27.4%20.7%86.0%13.0%12.7%9.8%5.9%5.4%20.1%-3.2%11.6%14.7%16.4%7.6%15.0%12.4%1.4%8.5%15.7%10.3%7.1%
ROCE (%)9.9%6.2%10.6%11.0%10.9%7.0%10.3%7.2%5.7%8.7%7.0%14.2%6.1%12.1%11.4%8.7%32.2%13.3%59.2%14.8%15.4%12.4%8.8%6.4%5.6%5.9%60.0%6.5%9.1%8.3%32.0%5.6%11.7%18.0%9.7%9.8%10.0%32.6%13.5%6.4%17.0%17.4%13.6%37.3%9.8%42.9%11.1%8.4%115.1%23.6%10.1%5.9%6.0%51.4%4.9%10.9%6.3%6.1%5.8%5.8%1.9%11.6%23.6%8.6%35.1%8.4%8.7%6.0%8.3%71.4%2.9%12.7%15.8%43.8%4.3%3.8%17.5%9.7%6.5%6.1%9.4%10.3%7.5%5.8%9.7%4.9%11.6%11.8%11.5%9.7%9.4%8.6%1.6%5.8%6.3%15.6%6.0%
EV / EBITDAβ€”β€”β€”112.76Γ—β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”
Dividend Yield (%)0.00%8.00%8.00%1.32%54.00%1.82%40.00%88.00%16.00%1.24%16.00%15.00%1.75%1.15%0.00%0.00%2.43%2.00%29.00%1.37%1.87%10.00%β€”72.00%3.61%3.29%31.00%3.38%1.67%β€”95.00%3.95%8.00%0.00%11.00%9.00%0.00%55.00%79.00%35.00%36.00%3.87%β€”0.00%58.00%2.27%48.00%3.52%88.00%80.00%35.00%2.53%29.00%3.13%0.00%67.00%2.15%0.00%3.01%1.48%27.00%2.66%74.00%1.85%2.50%91.00%2.17%2.68%63.00%25.00%0.00%60.00%1.07%1.90%77.00%β€”1.67%5.36%50.00%2.53%72.00%0.00%0.00%25.00%5.94%0.00%0.00%37.00%1.08%β€”87.00%17.00%50.00%1.84%2.77%4.44%0.00%

Peer figures are drawn from the same educational filing snapshot as the main report. Missing values show β€”. EV/EBITDA and yields are often unavailable for banks. Compare filings before investing.

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Technical Snapshot
Educational only
Technical data shown for educational purposes. Not investment advice.
Financial Health Checklist
4/9 passΒ· 1 data N/A
PASS
Quarterly revenue growthLast 4 quarters show strictly increasing revenue.
PASS
Net profit trendAll last 4 quarters are profitable.
WATCH
ROEROE 13.9% (10–15% band).
WATCH
ROCEROCE 9.9% (8–12% band).
FAIL
Debt / EquityD/E 310.55 (β‰₯2.0).
PASS
Net marginNet margin 42.1% (β‰₯10%).
PASS
P/E ratioP/E 21.0Γ— (<30).
N/A
EV / EBITDAData unavailable for this sector.
FAIL
Dividend yieldNo meaningful dividend yield reported.

N/A means the metric is not available in the educational dataset (common for banks or thin coverage). Those rows are not scored as fail.

Institutional ratios

Piotroski F-Score, Altman Z, cash conversion cycle, and PEG. Derived from the same filing-based fundamentals as the rest of the report (indicative only, not investment advice).

Piotroski F-Score
4/9
Altman Z-Score
1.52Distress
Cash conversion cycle
β€”
PEG ratio
1.12
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