stocks and talks

 Aavas Financiers Q4 FY25 Earnings: Stable Growth, Strong Outlook in Affordable Housing Aavas Financiers Ltd., one of India’s leading housing finance companies focused on underserved segments, reported its **Q4 FY25 results** today — and the performance clearly signals **steady growth**, operational resilience, and strong positioning in the affordable housing finance landscape. ## 📊 Financial Highlights Aavas delivered **solid numbers for the quarter ended March 31, 2025**, reinforcing investor confidence: - 🔹 **Net Profit**: ₹154 crore   - 🔹 **Total Revenue**: ₹636 crore   - 🔹 **Net Interest Income (NII)**: ₹596.74 crore (up from ₹546.02 crore YoY)   - 🔹 **EPS Estimate (Trailing 12 Months)**: Up 4.3% to ₹20.30 per share This growth comes amidst a broader market slowdown, showcasing Aavas’ consistent execution and focus on tier 2, tier 3, and rural markets. ## 🏦 Operational Strength ### 🔸 **Loan Book & Disbursements** Aavas continued to grow...

          PROMOTER PLEDGING when promoters need money they may pledge their shares as collateral to obtain money if promoter pledging percentage is in single digits then its fine  but when promoter pledging percentage is more,then better to avoid investing as we can see dishonest,scamstering promoters will do more pledging of their shares

      BASICS OF CASH FLOW STATEMENT Cashflow from operating activities Cashflow from investing activities cashflow from financing activities  1) cash flow from operating activities the cash obtained from bussiness operations can seen in "cashflow from operating activities" choose companies with positive cashflows from operations which indicates the firm is generating cash which later used for its future growth 2)cashflow from investing activities it tells us the companies investments in the various instruments like physical assets ,investment in construction of plant and office building,mutual funds,stocks....., choose companies with negative cashflow from investing activities which signifies the company was been invested for its future growth 3)cashflow from financing activities the money obtained from loans can be seen in cash flown from financing activities  if there is more cashflow from investing and financing activities than the operating activities.thenit...

                       INDUSTRY ANALYSIS LIFE CYCLE ANALYSIS OF INDUSTRY every industry have 4 stages in the life cycle 1)PIONEERING STAGE OR INTRODUCTION STAGE in this stage companies are in very initial stage .it is also called as starting stage.if we pick the  stock in this stage may be its risky but at the same time it will be rewarding.ex/ IT SECTOR in late 1950's is at this pioneering stage where now IT DOMAIN is contributing over 13% for our indian GDP. 2)GROWTH STAGE in this stage the company's are well established and experiencing phenomenal growth,especially growth based investors invest into these company's which are in the growth stage .if we pick stocks of the company in his stage we might see a rapid growth at the same time there is risk in this phase as well present EV SECTOR AND RENEWABLE SECTOR are in this phase  3)MATURITY STAGE OR SATURATION PHASE in this stage company's were already experienced gro...

MARKET CYCLES correction means a 10% decline bear market means nearly a upto 20% decline stock market crash or recession 30 or more than 30% fall   1)first phase/euphoria stage this a stage where market is at its peak and irrational excitement drives prices to unsustainable levels during this stage everyone is happy and flying high .when you start seeing this blind happiness,you should prepare your investments for upcoming stock market crashes which brings all this euphoria back to reality   2)second phase/reckoning stage in this phase greedy and over anticipating investors or who are participated in the euphoria phase with low market knowledge gets a big catastrophic hit which tells the real truth and only the ones that know how to navigate will be able to hold their nerves and make some money this is a phase where the reality of overvaluation sets in triggering widespread panic and selloffs which results a Stock Market crash 3)third phase or recovery stage in ...

Importance of fundamental analysis mainly the fundamental analysis is used by value investors and long term investors.it method used to determine the intrinsic value of stock.this style of analysis is more usually done by mutual fund managers to dive deep in company's financials and fundamental characteristics.many retail investors think fundamentals are boring and takes more time to quantify but they are worth doing. 6  STEPS TO ANALYZE FUNDAMENTALS OF COMPANY 1)MANAGEMENT INTEGRITY 2)INDUSTRY ANALYSIS 3)PROFIT AND LOSS,BALANCE SHEET,CASH FLOW STATEMENT 4)RATIOS ANALYSIS 5)VALUATION ANALYSIS 6)CONVICTION BUILDING First i want to discuss with you about the value of 6th step conviction building which is a key differentiator between long term investor and a short term guy.After analyzing all the above 5 steps you will get a good fundamental company .but if and only if you hold it for a long period of time.when writing this blog i recalled the Warren Buffet's quotes it is now i t...

it is the financial statement that summarizes revenues,expenses,operating profit margins,taxes which are collected by government and finally net profit which the company made during the fiscal year.it clearly shows how the company is performing and tells us is the company is growing or static over a period of time.the P/L statement of company will be posted in every fiscal year. MAIN ASPECTS OF P/L STATEMENT 1)sales or revenues  the sales numbers in p/l report shows us how much amount the company is generated from its all operational activities done in the given fiscal year  2)expenses it shows the expenses of the company like expenses of manufacturing goods and expenses of advertisement or marketing activity done in the given year and many more 3)operating profit by subtracting sales with the expenses we get operating profit                               [sales-expenses] 4)other income it tells us...

PARAMETERS USED TO SELECT A MUTUAL FUND                           1 ) standard deviation it indicates the volatility of the fund and this ratio represents how much the fund is fluctuated from its average returns.generally it is 1 to 10,but for a average equity fund it is about  12-13   2)alpha ratio this indicates how a fund has performed compared to its benchmark index.if alpha is 1,it means the fund has outperformed the benchmark index by 1%and if -1,it tells us that fund has underperformed by 1% 3)beta ratio Beta measures the movement of the fund in relation to a overall market movement.if beta >1,it means the has delivered more volatility and if beta < 1 it means fund has given less volatility . generally less than 1 beta value funds are better. 4)sharpe ratio this ratio helps to understand the return of an investment compared to its risk .Generally sharpe ratio tells is the fund has given the risk adju...

  NIFTY MIDCAP 150 MOMENTUM 50 INDEX                                    this index aims to track top 50 companies with in nifty 150 midcap stocks according to their momentum score .momentum score of a company is determined based on its 6 months and 12 months price returns adjusted to volatility with a very good average returns of nearly 25% with 21.86 standard deviation values since inception                                                                                                                                                  ...

EXICOM TELE -SYSTEMS company is a market leader with dominant share of 60% percent in residential ev charging space and 25% market share in public charging segment . exicom operates in two bussiness verticals they are critical power sector transforming electricity grids through cutting edge battery and power solutions enabling increased renewable power with uninterrupted power supply and trending ev charging segment                                                                                                                                                                      ...