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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Aavas Financiers Limited is an India-based retail, affordable housing finance company, primarily serving low- and middle-income self-employed customers in semi-urban and rural areas. The Company’s loan products include Home Loan, Home Construction Loan, Home Loan Balance…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, steadily growing business, trading cheap versus its own history — carrying meaningful debt.
Aavas Financiers is scored on the nbfc / financials framework. It keeps a fat 24.3% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 22%/yr and profit at 19%/yr. Book value itself has compounded 16%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 13.9%. In the latest quarter profit grew 22% versus the prior quarter.
At 18× earnings, the stock sits at the 2nd percentile of its own 5.2-year range — the cheap end of where it has historically traded. Today's price implies ~10%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 21.22 | 19.25 | worse |
| P/B | 2.76 | — | — |
| EV/EBITDA | 14.14 | — | — |
| ROE | 13.93 | 9.23 | better |
| ROCE | 9.91 | 8.69 | better |
| ROA | 3.03 | — | — |
| Quick Ratio | 7.67 | 9.37 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 22% CAGR over 3 years — high-growth territory.
Net profit has risen every year — the hallmark of a compounder.
Operating margins have been stable around 31% — no major structural shift.
ROE at 13% — a respectable return on shareholder capital. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. 19% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 7% sequentially — momentum is building. Run-rate stepping up — recent quarters average 9% above earlier ones.
Profit jumped 22% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (24% → 26%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 5.2y median.
Promoters at 48.9% — dispersed ownership; institutional flows drive the stock. FIIs trimmed 9.5pp — foreign money is rotating out. MF holding up 8.1pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.