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AAVAS.NS$1324.40-1.89%
Fair $1324.40+0.0%

AAVAS.NS

Aavas Financiers Limited

Financial Services / Mortgage FinanceNSE

$1324.40

-25.90 (-1.89%)

Fairly Valued+0.0%Fair Value $1324.40Fund rank 19/100 · Data gapFallback financials|
SA 31/D
F-Score: 3/9
High Debt

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 52.0/100

Data gap 19/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 26/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

31/100

D

Piotroski

3/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Debt-to-Equity ratio is 3.11, above the 2.0 threshold
Thesis & Journal · AAVAS.NSLocal privado en este navegador · Aavas Financiers Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$105.0B

P/E

16.1x

↑

EV/EBITDA

41.5x

↑

ROE

13.0%

↑

Gross Margin

34.2%

↓

Debt/Equity

3.11

↑
52-Week Range$1324
$1060$2153

TradingView lightweight chart

AAVAS.NS price, volumen y niveles de valoración

Último $1,343Periodo +73.4%
Fair value: $1,324

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2023–2026 · 3 años de histórico normalizado

Revenue CAGR

+20.9%

FCF CAGR

—

FCF margin

-59.3%

FCF / Net income

-2.17x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $23.93B · net income $6.55B · FCF $-14.19B

2023-FY → 2026-FY

Gross margin

34.2%-2.4% pts

Operating margin

24.3%+1.3% pts

Net margin

27.4%-4.3% pts

FCF margin

-59.3%+85.5% pts
MetricTTM
2026
2025
2024
2023
Income Statement
Revenue$23.93B$23.93B$21.25B$16.80B$13.56B
Net Income$6.55B$6.55B$5.74B$4.91B$4.30B
EBITDA$6.25B$6.25B$5.63B$6.63B$5.81B
EPS——71.9761.9354.26
Gross Margin34.2%34.2%34.4%31.2%36.6%
Operating Margin24.3%24.3%24.8%18.8%23.0%
Net Margin27.4%27.4%27.0%29.2%31.7%
Balance Sheet
Debt/Equity3.113.113.193.293.02
Current Ratio1603.961603.96———
Cash Flow
Free Cash Flow$-14.19B$-14.19B$-16.90B$-20.33B$-19.63B
Returns
ROE13.0%13.0%13.2%13.0%13.1%
Valuation
P/E16.1116.1128.5125.8130.15
EV/EBITDA41.5241.5253.7837.8239.00
P/B2.082.083.753.363.96
Growth & Yield
Revenue Growth12.6%12.6%26.5%23.9%—
EPS Growth——16.2%14.1%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -24.3%

Total return

-24.3%

Start / end P/E

n/dx → n/dx

EPS bridge

71.97 → n/d

Residual

-24.3%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-24.3%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.