Financials of AAVAS Financiers Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of AAVAS Financiers Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +450467497508546542579597636628667674715
Interest165187204217222235249259265271276274273
Expenses +118132130134139138133142170168170170199
Financing Profit167148163157186169198196202188222230243
Financing Margin %37%32%33%31%34%31%34%33%32%30%33%34%34%
Other Income +1011101110000
Depreciation97899999109111112
Profit before tax159141157150177161190188193179211219231
Tax %20%22%22%22%20%22%22%22%20%22%22%22%21%
Net Profit +127110122117143126148146154139164170182
EPS in Rs16.0313.8715.3814.7418.0215.9318.6918.5019.4217.5920.7121.4822.91
Gross NPA %0.92%1.00%1.04%1.09%0.94%1.01%1.08%1.14%1.08%1.22%1.24%1.19%
Net NPA %0.68%0.73%0.76%0.79%0.67%0.72%0.78%0.81%0.73%0.84%0.85%0.79%

Financials of AAVAS Financiers Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +1041913054947109021,1031,3041,6082,0182,3552,683
Interest53971431932553564584785918281,0071,095
Expenses +214372161188225273349441535582706
Financing Profit305190139266321372477576654765882
Financing Margin %29%27%29%28%38%36%34%37%36%32%32%33%
Other Income +000111212341
Depreciation11361020212429333643
Profit before tax295088134258302353455549624733840
Tax %34%34%35%31%32%18%18%22%22%21%22%22%
Net Profit +19335793176249290357430491574655
EPS in Rs5.808.549.8213.4622.5231.8136.8845.2054.4062.0072.5382.60
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

Financials of AAVAS Financiers Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital333858697878787979797979
Reserves691655081,1211,7592,0202,3232,7303,1913,6944,2824,972
Borrowing7041,4471,7932,7553,6535,3826,3788,0129,88712,41213,91815,686
Other Liabilities +47609195137177181200254334339476
Total Liabilities8521,7112,4514,0405,6277,6578,96011,02013,41116,51918,61821,212
Fixed Assets +5610182360586678116134178
CWIP000001022011100
Investments001444468123182230271
Other Assets +8471,7052,4404,0175,5997,5928,89710,88513,18916,21018,24420,764
Total Assets8521,7112,4514,0405,6277,6578,96011,02013,41116,51918,61821,212

Financials of AAVAS Financiers Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-591-591-933-1,276-1,172-1,071-1,136-1,920-2,001-1,660-1,386
Cash from Investing Activity +-1-15-218-327-342-265-467196-646176-117
Cash from Financing Activity +8166401,2401,4041,7051,0081,6231,8582,4911,4751,720
Net Cash Flow2243490-199191-32820134-156-9217
Free Cash Flow-592-598-947-1,290-1,192-1,079-1,151-1,958-2,032-1,688-1,418
CFO/OP-390%-243%-268%-232%-164%-122%-111%-157%-126%-86%-62%

Financials of AAVAS Financiers Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %24%21%15%11%12%13%13%14%14%14%14%14%