| Management target | Revenue 17.5% FY27 |
|---|
| Revenue growth | 41% YoY disbursement growth; 18% NII growth. |
|---|---|
| Margins | NIM expanded 22 bps YoY to 7.70%; spread moderated to 5.06%. |
| Demand visibility | Strong momentum in customer acquisition; monthly AUM addition improved 50%. |
| Management confidence | High confidence in strategic initiatives and execution sharpness. |
Growth
AUM grew 15.4% YoY to Rs. 239.3B; Net Profit grew 23% to Rs. 1.71B.
Outlook
Guided 17-18% AUM growth for FY27; aiming for sustainable 20% growth over the medium term.
Risks
Potential spread compression due to competition and focus on lower-yield home loans; macro geopolitical risks.
Last quarter's promises, checked
Delivered
- Guided credit costs <25 bps → delivered 13 bps (= BEAT)
- Guided spread >5% → delivered 5.20% (= BEAT)
- Guided AUM growth 20%+ → delivered 15.4% (= MISS)
Partly delivered
- Guided opex/AUM <3% (2-3yr) → delivered 43.7% C/I ratio (= PARTIAL)
Missed
- Guided AUM growth 20%+ → delivered 15.4% (= MISS)
Investor Presentation filed with BSE, 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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