Aavas Financiers Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Consistent revenue growth over the past four quarters indicates strong demand for financial services.
Improved net profit margins in the latest quarter suggest better cost management and operational efficiency.
Robust asset quality with low non-performing assets (NPAs) enhances investor confidence.

NEGATIVES

Declining loan disbursement growth rate in the latest quarter signals potential market saturation.
Rising interest rates may impact borrowing costs and affect loan uptake negatively.
Increased competition in the financial sector could exert pressure on margins and market share.

Field	Jun 22	Sep 22	Dec 22	Mar 23	Jun 23	Sep 23	Dec 23	Mar 24
Revenue	352.86	394.85	411.37	449.69	466.97	496.84	508.06	546.02
Expenses	134.68	141.02	150.35	165	186.63	203.60	216.56	221.56
Financing Profit	218.18	253.83	261.01	284.69	280.34	293.24	291.50	324.46
Other Income	0.09	0.33	0.71	0.71	0.04	0.78	1.19	0.78
Depreciation	6.23	6.92	6.90	8.68	7.28	7.63	8.65	9.10
Profit Before Tax	114.44	137.56	137.77	158.66	140.84	157.36	149.81	177.36
Tax	25.39	30.91	30.64	31.84	31.01	35.70	33.09	34.88
Net Profit	89.05	106.64	107.12	126.83	109.83	121.66	116.72	142.48
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0