Aavas Financiers Intrinsic Value
AAVAS Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹864.00 | ₹691.20 - ₹1036.80 | -30.3% | EPS: ₹72.00, Sector P/E: 12x |
| Book Value Method | asset | ₹382.08 | ₹343.87 - ₹420.29 | -69.2% | Book Value/Share: ₹477.59, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹372.03 | ₹334.83 - ₹409.23 | -70.0% | Revenue/Share: ₹276.96, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1032.91 | ₹929.62 - ₹1136.20 | -16.7% | EBITDA: ₹1632.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹460.80 | ₹414.72 - ₹506.88 | -62.8% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹593.28 | ₹533.95 - ₹652.61 | -52.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1013.67 | ₹912.30 - ₹1115.04 | -18.3% | ROE: 15.2%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹879.60 | ₹791.64 - ₹967.56 | -29.1% | EPS: ₹72.00, BVPS: ₹477.59 |
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Valuation Comparison Chart
AAVAS Intrinsic Value Analysis
What is the intrinsic value of AAVAS?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Aavas Financiers (AAVAS) is ₹864.00 (median value). With the current market price of ₹1240.10, this represents a -30.3% variance from our estimated fair value.
The valuation range spans from ₹372.03 to ₹1032.91, indicating ₹372.03 - ₹1032.91.
Is AAVAS undervalued or overvalued?
Based on our multi-method analysis, Aavas Financiers (AAVAS) appears to be trading above calculated value by approximately 30.3%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.18 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 15.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 75.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.13x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Aavas Financiers
Additional stock information and data for AAVAS
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2024 | ₹-1,987 Cr | ₹-2,311 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-1,924 Cr | ₹-1,924 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-1,135 Cr | ₹-1,367 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-1,071 Cr | ₹-1,204 Cr | Negative Cash Flow | 3/10 |
| March 2020 | ₹-1,172 Cr | ₹-1,343 Cr | Negative Cash Flow | 3/10 |