| Management target | Revenue 18.0% FY27 |
|---|
| Revenue growth | AUM growth target high-teens; NII grew 18% YoY. |
|---|---|
| Margins | NIM improved to 7.70%; Spread at 5.06%. |
| Order book | Active loan count at 2,75,869; disbursements ₹16.1 bn. |
| Demand visibility | Strong monthly AUM additions; focus on affordable housing EWS/LIG segments. |
| Management confidence | High; emphasis on 'People, Performance, Perseverance' strategy and execution. |
Growth
AUM grew 15.4% YoY to ₹239.3 bn. Net profit increased 23% YoY to ₹1.71 bn. Disbursements rose 41% YoY.
Outlook
Targeting high-teens AUM growth. Expanding reach with 440 branches and focusing on digital/AI-led operational efficiencies.
Risks
Potential interest rate fluctuations and macro-geopolitical issues; focus remains on maintaining pristine asset quality amidst growth.
Last quarter's promises, checked
Delivered
- Credit cost guide <25 bps → delivered 13 bps (= BEAT)
- Spread guide 5%+ → delivered 5.06% (= BEAT)
- NIM expansion target → delivered 7.70% (vs 8.45% Q4 peak) (= BEAT)
Partly delivered
- Opex/AUM guide <3% → delivered 43.7% C/I (improving but high) (= PARTIAL)
Missed
- AUM growth guide 20%+ → delivered 15.4% (= MISS)
Investor Presentation filed with NSE, NSE: AAVAS. Summary written with AI assistance from the document.
Aavas Financiers Ltd: key numbers
- Share price
- ₹1,267.70
- Market cap
- ₹10,052 Cr
- Revenue (annual)
- ₹2,683 Cr
- Net profit (annual)
- ₹654.9 Cr
- P/E (TTM)
- 14.6×Sector 22.0×
- Promoter holding
- 48.88%+0.00% QoQ
- FII holding
- 16.28%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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