Nava Financials

NSE: NAVA | BSE: 513023

₹569.95

₹-4.20 (-0.73%)

As on 13-Nov-2026 13:49IST

Market cap

₹16,303 Cr

Revenue (TTM)

₹4,598 Cr

P/E Ratio

17.3

P/B Ratio

1.8

Div. Yield

1.5 %

Income Statement (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Operating Revenue	4,598.07	4,290.92	3,983.55	3,818.12	3,528.15	3,347.66
Total Income	4,860.69	4,615.79	4,280.11	4,149.61	3,930.29	3,645.42
Total Expenditure	2,780.16	2,724.41	2,293.33	2,293.75	1,962.69	2,028.80
EBITDA	1,817.91	1,566.51	1,690.22	1,524.36	1,565.45	1,318.86
Depreciation	411.71	377.43	352.41	318.71	306.21	295.32
EBIT	1,406.20	1,189.08	1,337.81	1,205.65	1,259.24	1,023.54
Interest	13.82	11.93	25.88	274.60	397.18	338.08
Other Income	262.62	324.87	296.56	331.50	402.14	297.76
Exceptional Items	--	--	--	115.80	--	-94.27
Profit before Tax	1,655.00	1,502.02	1,608.49	1,378.35	1,264.20	888.95
Provision for Tax	455.04	462.06	172.76	123.03	44.03	323.11
Profit after Tax	1,199.96	1,039.96	1,435.72	1,255.32	1,220.17	565.84
Minority Interest	-256.37	-251.85	-342.52	-312.35	-294.02	-55.58
Share of Associate	-0.29	--	--	--	--	--
Consolidated Profit	941.84	786.67	1,091.48	943.73	927.67	517.70

Liabilities (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Shareholder's Funds	9,280.20	8,745.30	7,611.24	6,908.78	6,025.43	4,953.24
Minority Interest	-256.37	2,018.77	1,800.35	1,411.80	1,082.20	723.00
Non-Current Liabilities	3,596.10	2,846.05	1,178.05	665.75	2,075.78	2,761.63
Current Liabilities	629.11	751.25	668.79	682.09	1,930.62	2,263.06
Total Liabilities	15,687.06	14,365.07	11,262.27	9,668.41	11,114.03	10,700.94

Assets (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Non-Current Assets	9,090.42	8,634.95	7,241.08	6,232.55	6,952.87	8,159.71
Current Assets	5,512.80	5,723.23	4,000.36	3,418.43	4,143.27	2,514.88
Total Assets	15,687.06	14,365.07	11,262.27	9,668.41	11,114.03	10,700.94
Total Debt*	--	2,220.92	888.39	408.61	3,066.52	3,579.68
Net Current Assets	4,883.69	4,971.97	3,331.57	2,736.34	2,212.65	251.82
Contingent Liabilities	--	207.51	149.67	157.34	185.93	78.76

Cashflow (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash From Operating Activities	--	2,312.33	2,157.05	3,184.89	1,223.44	608.17
Cash Flow from Investing Activities	--	-2,013.80	-1,286.49	-240.13	17.78	-221.89
Cash from Financing Activities	--	645.06	-163.08	-3,077.28	-1,184.29	-415.00
Net Cash Inflow / Outflow	--	943.59	707.48	-132.52	56.93	-28.72

Financials Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Adjusted EPS (₹)	33.31	27.80	38.57	32.52	31.97	17.84
Cash EPS (₹)	33.24	50.08	63.18	54.24	52.60	29.67
Adjusted Book Value (₹)	320.19	308.34	268.95	238.07	207.63	170.68
Dividend per Share (₹)	1.48	8.50	8.00	2.00	3.00	3.00
Cash Flow per Share (₹)	--	81.71	76.22	219.50	84.32	41.91
Free Cash Flow per Share (₹)	--	19.45	54.47	208.84	78.71	-1.04

Profitability Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
ROCE (%)	--	15.55	20.67	20.15	18.85	15.03
ROE (%)	10.47	12.73	19.78	19.41	22.23	12.08
ROA (%)	8.52	8.12	13.72	12.08	11.19	5.56
EBIT Margin (%)	30.58	27.71	33.58	31.58	35.69	30.57
Net Margin (%)	24.69	22.53	33.54	30.25	31.05	15.52
Cash Profit Margin (%)	--	33.03	44.89	41.23	43.26	25.72

Growth Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Revenue Growth (%)	14.45	7.72	4.33	8.22	5.39	31.36
EBIT Growth (%)	2.46	-11.12	10.96	-4.26	23.03	33.01
Net Profit Growth (%)	1.82	-27.57	14.37	2.88	115.64	2.05
EPS Growth (%)	18.54	-27.93	18.60	1.73	79.19	24.70
Book Value Growth (%)	--	14.65	10.17	14.66	21.65	12.28

Valuation Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Price / Earnings	17.31	19.11	13.43	3.75	1.71	1.97
Price / Book Value	1.76	1.72	1.93	1.02	0.53	0.41
Dividend Yield (%)	1.48	1.60	1.54	0.82	2.75	4.26
EV/EBITDA	8.30	8.00	7.30	3.87	2.95	3.27
Close Price (₹)	559.35	531.45	518.75	242.83	109.03	70.45
High Price (₹)	739.40	735.30	673.90	270.00	139.75	75.43
Low Price (₹)	501.65	396.30	227.23	107.50	64.00	34.83
Market Cap (₹ Cr)	16,303.16	15,032.80	14,662.24	7,077.26	3,166.16	2,043.08

Solvency Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Debt to Equity	0.32	0.25	0.12	0.06	0.51	0.72
Short term debt to equity ratio	--	0.01	0.00	0.00	0.01	0.03
Current Ratio	8.76	7.62	5.98	5.01	2.15	1.11
Quick Ratio	7.81	6.73	4.76	4.13	1.79	0.95
Interest Coverage	120.75	126.90	63.15	6.02	4.18	3.63

Operating Efficiency Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Debtors to sales (%)	18.56	22.11	35.38	46.30	66.24	32.11
Asset Turnover	0.33	0.33	0.38	0.37	0.32	0.33
Receivable days	--	100.29	145.56	196.22	176.50	108.44
Inventory Days	--	63.11	65.08	61.73	54.85	36.45
Payable days	--	57.83	50.43	51.55	51.80	31.85
Cash Conversion Cycle	--	105.57	160.21	206.41	179.56	113.05

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)