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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 Q2 2026 was ₹0.34. 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
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
11.30K 3.64K <0.01 1.50K 2.36
Quick Ratio
11.30K 3.64K <0.01 1.50K 1.40
Cash Ratio
5.58K 2.32 <0.01 20.63 0.04
Solvency Ratio
0.05 0.04 0.04 0.05 0.05
Operating Cash Flow Ratio
-39.36 121.33 -0.74 -222.33 -0.83
Short-Term Operating Cash Flow Coverage
0.00 0.26 -0.84 -1.30 -0.95
Net Current Asset Value
₹ 216.01B₹ 35.44B₹ -127.26B₹ 27.45B₹ -50.08B
Leverage Ratios
Debt-to-Assets Ratio
0.74 0.74 0.75 0.74 0.73
Debt-to-Equity Ratio
3.08 3.18 3.29 3.02 2.85
Debt-to-Capital Ratio
0.75 0.76 0.77 0.75 0.74
Long-Term Debt-to-Capital Ratio
0.75 0.76 0.73 0.72 0.71
Financial Leverage Ratio
4.15 4.27 4.38 4.10 3.93
Debt Service Coverage Ratio
0.00 0.27 0.22 0.31 0.32
Interest Coverage Ratio
0.00 75.53 57.93 79.75 89.26
Debt to Market Cap
1.66 0.97 1.10 0.77 0.39
Interest Debt Per Share
1.82K 1.74K 1.57K 1.25K 1.02K
Net Debt to EBITDA
-4.33 17.87 18.68 16.71 16.60
Profitability Margins
Gross Profit Margin
31.43%31.97%31.19%36.57%38.71%
EBIT Margin
35.25%37.12%37.49%40.75%41.04%
EBITDA Margin
37.11%38.96%39.44%42.87%43.18%
Operating Profit Margin
19.67%19.92%18.80%22.98%25.67%
Pretax Profit Margin
36.59%36.86%37.17%40.46%40.76%
Net Profit Margin
28.57%28.89%29.21%31.70%31.98%
Continuous Operations Profit Margin
28.57%28.89%29.21%31.70%31.98%
Net Income Per EBT
78.08%78.37%78.58%78.34%78.46%
EBT Per EBIT
186.03%184.99%197.69%176.03%158.78%
Return on Assets (ROA)
3.22%3.08%2.97%3.20%3.22%
Return on Equity (ROE)
14.37%13.17%13.00%13.14%12.66%
Return on Capital Employed (ROCE)
2.22%2.13%2.28%2.32%2.95%
Return on Invested Capital (ROIC)
0.91%0.80%1.53%1.64%2.06%
Return on Tangible Assets
3.23%3.09%2.98%3.21%3.23%
Earnings Yield
7.25%3.45%4.37%3.38%1.76%
Efficiency Ratios
Receivables Turnover
281.70 174.87 0.77 4.76 4.65
Payables Turnover
467.63 276.81 37.36 99.85 183.86
Inventory Turnover
0.00 0.00 0.00 0.00 0.53
Fixed Asset Turnover
21.18 21.58 19.68 18.27 17.78
Asset Turnover
0.11 0.11 0.10 0.10 0.10
Working Capital Turnover Ratio
0.12 0.26 0.33 0.18 0.69
Cash Conversion Cycle
0.52 0.77 466.81 73.06 771.34
Days of Sales Outstanding
1.30 2.09 476.58 76.72 78.58
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 694.74
Days of Payables Outstanding
0.78 1.32 9.77 3.66 1.99
Operating Cycle
1.30 2.09 476.58 76.72 773.32
Cash Flow Ratios
Operating Cash Flow Per Share
-16.00 74.30 -251.13 -242.34 -144.14
Free Cash Flow Per Share
-17.92 70.53 -255.27 -247.27 -146.12
CapEx Per Share
1.93 3.77 4.14 4.93 1.98
Free Cash Flow to Operating Cash Flow
1.12 0.95 1.02 1.02 1.01
Dividend Paid and CapEx Coverage Ratio
-8.31 19.71 -60.67 -49.15 -72.78
Capital Expenditure Coverage Ratio
-8.31 19.71 -60.67 -49.15 -72.78
Operating Cash Flow Coverage Ratio
>-0.01 0.04 -0.16 -0.19 -0.14
Operating Cash Flow to Sales Ratio
-0.06 0.30 -1.18 -1.41 -1.02
Free Cash Flow Yield
-1.64%3.38%-18.00%-15.35%-5.69%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
13.80 28.98 22.87 29.62 56.97
Price-to-Sales (P/S) Ratio
3.94 8.37 6.68 9.39 18.22
Price-to-Book (P/B) Ratio
1.85 3.82 2.97 3.89 7.21
Price-to-Free Cash Flow (P/FCF) Ratio
-60.98 29.58 -5.56 -6.51 -17.58
Price-to-Operating Cash Flow Ratio
-68.29 28.08 -5.65 -6.65 -17.83
Price-to-Earnings Growth (PEG) Ratio
3.53 1.71 1.63 1.44 2.55
Price-to-Fair Value
1.85 3.82 2.97 3.89 7.21
Enterprise Value Multiple
6.29 39.36 35.62 38.61 58.79
Enterprise Value
51.24B 304.79B 235.99B 224.35B 281.99B
EV to EBITDA
6.29 39.36 35.62 38.61 58.79
EV to Sales
2.33 15.34 14.05 16.55 25.39
EV to Free Cash Flow
-36.11 54.17 -11.69 -11.48 -24.51
EV to Operating Cash Flow
-40.45 51.43 -11.88 -11.72 -24.84
Tangible Book Value Per Share
584.42 540.16 471.71 410.77 355.63
Shareholders’ Equity Per Share
591.16 546.68 476.99 413.87 356.36
Tax and Other Ratios
Effective Tax Rate
0.22 0.22 0.21 0.22 0.22
Revenue Per Share
277.18 249.16 212.37 171.58 141.04
Net Income Per Share
79.19 71.97 62.03 54.38 45.10
Tax Burden
0.78 0.78 0.79 0.78 0.78
Interest Burden
1.04 0.99 0.99 0.99 0.99
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 <0.01 0.01 0.01 0.01
Stock-Based Compensation to Revenue
<0.01 0.00 <0.01 0.01 0.02
Income Quality
-0.17 1.03 -4.05 -3.49 -2.51
Currency in INR