Aavas Financiers Intrinsic Value
Aavas Financiers (AAVAS) median intrinsic value is ₹864.00 from 8 valuation models (range ₹382–₹1033), vs current price ₹1506.10 — -42.6% downside (Trading Above Calculated Value), margin of safety -74.3%. For current market price and key ratios, visit Aavas Financiers share price chart.
AAVAS Valuation Methods Summary — DCF, Graham Number & P/E
Aavas Financiers intrinsic value across 8 models vs current price ₹1506.10 — upside/downside and value range per method. Analyse AAVAS institutional holdings to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹864.00 | ₹691.20 - ₹1036.80 | -42.6% | EPS: ₹72.00, Sector P/E: 12x |
| Book Value Method | asset | ₹382.08 | ₹343.87 - ₹420.29 | -74.6% | Book Value/Share: ₹477.59, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹451.83 | ₹406.65 - ₹497.01 | -70.0% | Revenue/Share: ₹276.96, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1032.91 | ₹929.62 - ₹1136.20 | -31.4% | EBITDA: ₹1632.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹460.80 | ₹414.72 - ₹506.88 | -69.4% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹593.28 | ₹533.95 - ₹652.61 | -60.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1013.67 | ₹912.30 - ₹1115.04 | -32.7% | ROE: 15.2%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹879.60 | ₹791.64 - ₹967.56 | -41.6% | EPS: ₹72.00, BVPS: ₹477.59 |
AAVAS Intrinsic Value vs Market Price — All Valuation Models
Aavas Financiers fair value range ₹382–₹1033 vs current market price ₹1506.10 across 8 valuation models. Read Aavas Financiers dividend payments for the complete payout history and dividend yield track record.
AAVAS Intrinsic Value Analysis — Undervalued or Overvalued?
Aavas Financiers median intrinsic value ₹864.00, current price ₹1506.10 — Trading Above Calculated Value by 42.6%, margin of safety -74.3%.
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 ₹1506.10, this represents a -42.6% variance from our estimated fair value.
The valuation range spans from ₹382.08 to ₹1032.91, indicating ₹382.08 - ₹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 42.6%.
AAVAS Financial Health — Key Ratios vs Industry Benchmarks
Aavas Financiers financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
AAVAS Cash Flow Quality — Operating & Free Cash Flow
Aavas Financiers operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |