Investor Presentation on the Audited Financial Results for the Quarter and Financial year ended March 31, 2026

Mgmt Guided Margin ImprovementInvestor Communications View source PDF

AAVAS · price

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Price reaction · full curve 14 horizons · vs prior close

-2.1%1-day move

₹1448.00

prior close

₹1494.90

base price

After-mkt

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AI summary

AAVAS Financiers reported strong FY26 results with PAT of ₹6,556 million (up 14% YoY) and AUM crossing ₹234.5 billion (up 15% YoY). Q4FY26 saw disbursements of ₹23.5 billion, up 16% YoY with PAT growth of 18% to ₹1.82 billion. Key milestone: balance sheet crossed ₹200 billion and net worth surpassed ₹50 billion. NIM expanded 29 bps to 7.93% for FY26 with spread improving 31 bps to 5.20%, driven by 62 bps reduction in cost of funds. Sequential Q4 NIM stood at 8.45% (up 44 bps). Asset quality remained pristine with GNPA improving to 1.05% and 1+DPD at 3.17% (down 22 bps YoY). Credit ratings upgraded to AA/Positive by ICRA and CARE. Major promoter change: CVC Capital Partners took over as new promoter with 48.94% stake. Added 38 branches taking total to 435 across 15 states.

Likely market impact

Strong operational performance with margin expansion and pristine asset quality. The change of promoter to global private equity firm CVC Capital Partners may bring strategic focus on scaling operations. The stock benefits from improving profitability metrics and credit rating upgrades.