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Aavas Financiers Ltd. (IN:AAVAS)
:AAVAS
India Market

Aavas Financiers Ltd. (AAVAS) Ratios

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Aavas Financiers Ltd. Ratios

IN:AAVAS's free cash flow for Q1 2026 was ₹0.33. For the 2026 fiscal year, IN:AAVAS's free cash flow was decreased by ₹ and operating cash flow was ₹0.24. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
11.30K 3.64K <0.01 <0.01 1.50K
Quick Ratio
11.30K 3.64K <0.01 <0.01 1.50K
Cash Ratio
5.58K 2.32 <0.01 <0.01 20.63
Solvency Ratio
0.04 0.04 0.04 0.04 0.10
Operating Cash Flow Ratio
0.00 -339.85 -0.74 -0.74 -222.33
Short-Term Operating Cash Flow Coverage
0.00 -0.72 -0.84 -0.84 -1.30
Net Current Asset Value
₹ 216.01B₹ 35.44B₹ -127.26B₹ -127.26B₹ 27.45B
Leverage Ratios
Debt-to-Assets Ratio
0.74 0.74 0.75 0.75 0.74
Debt-to-Equity Ratio
1.15 3.18 3.29 3.29 3.02
Debt-to-Capital Ratio
0.54 0.76 0.77 0.77 0.75
Long-Term Debt-to-Capital Ratio
0.53 0.76 0.73 0.73 0.72
Financial Leverage Ratio
1.55 4.27 4.38 4.38 4.10
Debt Service Coverage Ratio
0.00 0.27 0.22 0.22 0.11
Interest Coverage Ratio
0.00 75.53 147.02 147.02 63.62
Debt to Market Cap
1.25 0.97 1.10 1.10 0.77
Interest Debt Per Share
1.82K 1.74K 1.57K 1.57K 1.25K
Net Debt to EBITDA
-4.45 17.87 18.66 18.66 35.02
Profitability Margins
Gross Profit Margin
31.20%31.97%1.07%1.07%37.80%
EBIT Margin
35.36%37.12%53.99%53.99%38.16%
EBITDA Margin
37.20%38.96%56.79%56.79%19.16%
Operating Profit Margin
19.32%19.92%68.61%68.61%17.17%
Pretax Profit Margin
36.24%36.86%53.52%53.52%37.89%
Net Profit Margin
28.32%28.89%42.00%42.00%29.69%
Continuous Operations Profit Margin
28.32%28.89%42.00%42.00%29.69%
Net Income Per EBT
78.15%78.37%78.46%78.46%78.34%
EBT Per EBIT
187.62%184.99%78.01%78.01%220.65%
Return on Assets (ROA)
3.10%3.08%2.97%2.97%3.20%
Return on Equity (ROE)
9.54%13.17%13.00%13.00%13.14%
Return on Capital Employed (ROCE)
2.12%2.13%5.79%5.79%1.85%
Return on Invested Capital (ROIC)
0.86%0.80%3.87%3.87%1.31%
Return on Tangible Assets
3.11%3.09%2.98%2.98%3.21%
Earnings Yield
5.26%3.45%4.37%4.37%3.38%
Efficiency Ratios
Receivables Turnover
0.00 174.87 0.00 0.00 0.00
Payables Turnover
455.48 276.81 37.36 37.36 104.54
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
20.56 21.58 13.68 13.68 19.50
Asset Turnover
0.11 0.11 0.07 0.07 0.11
Working Capital Turnover Ratio
0.12 0.26 0.23 0.23 0.20
Cash Conversion Cycle
-0.80 0.77 -9.77 -9.77 -3.49
Days of Sales Outstanding
0.00 2.09 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.80 1.32 9.77 9.77 3.49
Operating Cycle
0.00 2.09 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -208.11 -251.13 -251.13 -242.34
Free Cash Flow Per Share
0.00 -211.88 -255.27 -255.27 -247.27
CapEx Per Share
0.00 3.77 4.14 4.14 4.93
Free Cash Flow to Operating Cash Flow
0.00 1.02 1.02 1.02 1.02
Dividend Paid and CapEx Coverage Ratio
0.00 -55.21 -60.67 -60.67 -49.15
Capital Expenditure Coverage Ratio
0.00 -55.21 -60.67 -60.67 -49.15
Operating Cash Flow Coverage Ratio
0.00 -0.12 -0.16 -0.16 -0.19
Operating Cash Flow to Sales Ratio
0.00 -0.84 -1.70 -1.70 -1.32
Free Cash Flow Yield
0.00%-10.16%-18.00%-18.00%-15.35%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
19.03 28.98 22.87 22.87 29.62
Price-to-Sales (P/S) Ratio
5.39 8.37 9.60 9.60 8.79
Price-to-Book (P/B) Ratio
0.92 3.82 2.97 2.97 3.89
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -9.85 -5.56 -5.56 -6.51
Price-to-Operating Cash Flow Ratio
0.00 -10.02 -5.65 -5.65 -6.65
Price-to-Earnings Growth (PEG) Ratio
6.99 1.71 1.63 1.63 1.44
Price-to-Fair Value
0.92 3.82 2.97 2.97 3.89
Enterprise Value Multiple
10.04 39.36 35.57 35.57 80.92
Enterprise Value
79.52B 304.79B 235.99B 235.99B 224.35B
EV to EBITDA
10.04 39.36 35.57 35.57 80.92
EV to Sales
3.73 15.34 20.20 20.20 15.50
EV to Free Cash Flow
0.00 -18.03 -11.69 -11.69 -11.48
EV to Operating Cash Flow
0.00 -18.36 -11.88 -11.88 -11.72
Tangible Book Value Per Share
584.48 540.16 471.71 471.71 410.77
Shareholders’ Equity Per Share
1.58K 546.68 477.00 477.00 413.87
Tax and Other Ratios
Effective Tax Rate
0.22 0.22 0.22 0.22 0.22
Revenue Per Share
269.10 249.16 147.70 147.70 183.20
Net Income Per Share
76.21 71.97 62.03 62.03 54.38
Tax Burden
0.78 0.78 0.78 0.78 0.78
Interest Burden
1.02 0.99 0.99 0.99 0.99
Research & Development to Revenue
0.00 0.00 0.00 0.00 <0.01
SG&A to Revenue
0.00 <0.01 0.30 0.30 0.01
Stock-Based Compensation to Revenue
0.00 <0.01 <0.01 <0.01 0.01
Income Quality
0.00 -2.89 -4.05 -4.05 -3.49
Currency in INR