Aavas Financiers Q4 Profit Jumps 8% to ₹153.7 Cr; Loan Book Crosses ₹1.6 Lakh Cr

Aavas Financiers posted an 8% year-on-year rise in net profit for the fourth quarter ended March 31, 2025, with profit climbing to ₹15,367.92 lakh from ₹14,261.53 lakh in the same period last year.

For the full fiscal year (FY25), net profit rose 17% to ₹57,410.82 lakh, underscoring the company’s continued growth in the housing finance sector.

Operational Metrics Improve; Revenue Up 16.5% in Q4

The company’s revenue from operations for Q4FY25 stood at ₹63,621.30 lakh, up from ₹54,601.99 lakh in Q4FY24. Total income during the quarter reached ₹63,748.80 lakh.

However, total expenses climbed to ₹44,426.42 lakh, driven by higher finance costs and employee-related expenses. Earnings per share (EPS) for the quarter stood at ₹19.42 (basic) and ₹19.26 (diluted).

Loan Book Grows 16%; FY25 Revenue Surges 17%

For the full year, Aavas Financiers reported operating revenue of ₹2,35,450.52 lakh, up from ₹2,01,749.82 lakh in FY24. The company’s loan book grew to ₹16,22,971 lakh, compared to ₹14,00,437 lakh last year.

Aavas assigned 17,783 loan accounts worth ₹1,69,178 lakh and facilitated co-lending of 840 loans totaling ₹12,602 lakh. The net profit margin for FY25 stood at 24.34%, and its capital adequacy ratio (CRAR) remained robust at 44.50%.

Stable Asset Quality and Key Board Appointments

Asset quality remained strong, with gross non-performing assets (GNPA) at 1.08% and net NPA at 0.73%. The provision coverage ratio was at 60.87%, and the liquidity coverage ratio stood at 128.12%, indicating strong financial health.

In a board meeting held on April 24, the company re-appointed Sandeep Tandon as Chairman and approved the appointment of Chandrasekaran Associates as Secretarial Auditors for a five-year term.

Aavas Financiers continues to demonstrate consistent growth, operational resilience, and disciplined risk management, positioning itself well for sustained expansion in FY26.

Stock Performance 

On April 25, 2025, Aavas Financiers share price traded 3.40% lower at ₹2,025.00 at 2:27 PM (IST). Aavas Financiers share price reached a 52-week high of ₹2,238.35, and a 52-week low of ₹1,456.60. As per BSE, the total traded volume for the stock stood at 0.47 lakh shares with a turnover of ₹9.47 crores.

According to exchange data, Aavas Financiers shares are trading at a price-to-earnings (P/E) ratio of 29.47x, based on its trailing 12-month earnings per share (EPS) of ₹71.13, and a price-to-book (P/B) ratio of 4.10.

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