Aavas Financiers Ltd
NSE:AAVAS
Intrinsic Value
Aavas Financiers Ltd. engages in the provision of housing loans to customers belonging to low and middle income segment in semi-urban and rural areas. [ Read More ]
The intrinsic value of one
AAVAS
stock under the Base Case scenario is
1 825.54
INR.
Compared to the current market price of 1 607.5 INR,
Aavas Financiers Ltd
is
Undervalued by 12%.
Aavas Financiers Ltd's market capitalization is 127.2B INR.
AAVAS stock price is 1 607.5 INR.
AAVAS stock price (1607.5 INR) is 12% less than its Intrinsic Value (1 825.54 INR).
AAVAS stock (1 018.51 INR) is 37% less than its price (1607.5 INR). Open DCF Valuation
AAVAS stock price (1607.5 INR) is 39% less than its Relative Value (2 632.57 INR). Open Relative Valuation
AAVAS has upside potential of 9% compared to the average analyst price target.
Open Wall St Estimates
AAVAS's ROIC (Return on Invested Capital) has decreased in the last 3 years from 10% to 9%.
AAVAS's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 9%.
AAVAS's ROE (Return on Equity) has increased in the last 3 years from 13% to 15%.
AAVAS has positive three-year average ROIC (Return on Invested Capital): 9%. The company is efficient at using invested capital to generate operating income.
AAVAS's Revenue is forecast to grow at a rate of 4% per year over the next 3 years.
AAVAS's ROE (Return on Equity) for the past 12 months is positive and is equal to 15%.
AAVAS has positive three-year average ROE (Return on Equity): 14%. The company is efficient at transforming stockholders' equity into net income.
AAVAS's long-term assets (150B INR) exceed its long-term liabilties (115B INR).
AAVAS's Revenue has grown by an exceptional 25% over the past 12 months.
AAVAS has positive Net Income for the last twelve months.
AAVAS's Revenue has been growing by an exceptional 22% per year for the last 3 years.
AAVAS has positive Operating Income for the last twelve months.
AAVAS has positive Gross Profit for the last twelve months.
AAVAS's Altman Z-Score is very low and is equal to 1.38.
AAVAS has positive Net Debt. This means that the company has more debt (112B INR) than cash and short-term investments (20B INR).
AAVAS has negative Free Cash Flow for the last twelve months.
AAVAS's D/E (Debt to Equity) is very high and is equal to 3.19.
AAVAS's short-term assets (20B INR) exceed its short-term liabilties (234m INR).
Valuation Backtest
Aavas Financiers Ltd
Run backtest to discover the historical profit from buying and selling
AAVAS
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Aavas Financiers Ltd
Balance Sheet Decomposition
Aavas Financiers Ltd
| Current Assets | 20.1B |
| Cash & Short-Term Investments | 20.1B |
| Non-Current Assets | 130.2B |
| Long-Term Investments | 1.4B |
| PP&E | 806.3m |
| Intangibles | 335.1m |
| Other Non-Current Assets | 127.7B |
| Current Liabilities | 233.5m |
| Accounts Payable | 196.9m |
| Other Current Liabilities | 36.7m |
| Non-Current Liabilities | 115B |
| Long-Term Debt | 112B |
| Other Non-Current Liabilities | 3B |
Earnings Waterfall
Aavas Financiers Ltd
|
Revenue
|
19.1B
INR
|
|
Cost of Revenue
|
-91.1m
INR
|
|
Gross Profit
|
19B
INR
|
|
Operating Expenses
|
-5.1B
INR
|
|
Operating Income
|
13.9B
INR
|
|
Other Expenses
|
-9.1B
INR
|
|
Net Income
|
4.8B
INR
|
Free Cash Flow Analysis
Aavas Financiers Ltd
AAVAS Profitability Score
Profitability Due Diligence
Aavas Financiers Ltd's profitability score is 57/100. The higher the profitability score, the more profitable the company is.
Score
Aavas Financiers Ltd's profitability score is 57/100. The higher the profitability score, the more profitable the company is.
AAVAS Solvency Score
Solvency Due Diligence
Aavas Financiers Ltd's solvency score is 44/100. The higher the solvency score, the more solvent the company is.
Score
Aavas Financiers Ltd's solvency score is 44/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
AAVAS Price Targets Summary
Aavas Financiers Ltd
According to Wall Street analysts, the average 1-year price target for
AAVAS
is 1 748.01 INR
with a low forecast of 1 341.28 INR and a high forecast of 2 126.25 INR.
Shareholder Return
AAVAS Price
Aavas Financiers Ltd
| Average Annual Return | 19.52% |
| Standard Deviation of Annual Returns | 49.35% |
| Max Drawdown | -59% |
| Market Capitalization | 127.2B INR |
| Shares Outstanding | 79 139 696 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
Aavas Financiers Ltd
Country
Industry
Market Cap
Dividend Yield
Description
Aavas Financiers Ltd. engages in the provision of housing loans to customers belonging to low and middle income segment in semi-urban and rural areas. The company is headquartered in Jaipur, Rajasthan and currently employs 5,222 full-time employees. The company went IPO on 2018-10-08. The firm is engaged in providing the home loans to the customers belonging to low- and middle-income segment in semi urban and rural areas. The company operates through lending to borrower’s segment. The Company’s offerings include home loan, plot and home construction loan, home improvement loan, home loan balance transfer, loan against property, micro, small and medium enterprise (MSME) loan, and emergency credit line guarantee scheme. The company offers customers home loans for the purchase or construction of residential properties, and for the extension and repair of existing housing units. The company also offers other mortgage loans, including loans against property. The firm operates in markets, such as Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Uttarakhand, Punjab, Himachal Pradesh, Delhi, Odisha and Karnataka.
Contact
IPO
Employees
Officers
The intrinsic value of one
AAVAS
stock under the Base Case scenario is
1 825.54
INR.
Compared to the current market price of 1 607.5 INR,
Aavas Financiers Ltd
is
Undervalued by 12%.
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