I have both aavas, home first past few months also BOB, tvs motor,itc and Olectra green average is more than 100% gains but i only invested 10k in each share
I’m holding Aavas, but I got aware of it only because of you, I was also planning to buy aptus, but it suddenly shed 9% in one day last week, but it’s recovering now. I feel Aptus profits margins are very much higher than all among other companies. I’m am planning to buy aptus too
Have invested in Aavas about a year back at 1950 levels and further added at 1360 levels . Hope to see it move above 2000 levels in the next 9-12 months considering the hsg finance market growth against falling interest rates from q2-q3. Only need to know more about what kind of technology employed by different companies in terms of faster turnaround and how they evaluate their clients for loan sanctioning
During credit boom all the home finance companies are talked about... During the last cycle it was DHFL that was the favourite of all.. Which went bust.. The history repeats itself.. Will wait and watch how many of these companies survive.
My preferred pick is APTUS as I am watching their business style closely...they are more conservative like Mufugappa group...doing due diligence before giving loans to small businesses...Now they are expanding to Telangana and Karnataka...they are slow but steady
I'm surprised that preference was Homefirst more than Aptus. Aptus has a much higher spread, lower NPA and very concentrated customer base. Collections is efficient when you are concentrated. Homefirst is wide spread and has the lowest branches count, which is also resulting in thier NPAs. From Pricing as well, Homefirst is close to all time high, while Aptus is available at a discount from all time high. Although Aptus has a Small business loan side, i think they have proven themselves to be more efficient.
Aptus is only in south india. Its not easy for a south indian co to expand in north. Also, it has higher cost of borrowing and higher exposure to microfinance sector that has higher risk of default.
My preferred pic is Aptus then Home first. Aptus can generate huge wealth if it's leverage is around 3-4. Aptus can grow for a decade without raising any capital.
I am holding GIC Housing Finance, currently available at Rs. 180 with an EPS of Rs. 40 in 2023. It is highly undervalued in comparison with above 3 shares. Please do your own research before investing your hard earned money.
Sahil, great analysis. Holding home first and Aawas. Analysis of Asian Paint, Berger Paints with two small & mid cap Sirca Paint and Indigo Paint is my request
Hi sir, big fan of your comparison analysis. Pls analyse sectors Like Defense, Power , Textile, NBFC, Dairy, Auto ancillary, speciality chemicals, Fertilizers, small cap IT sector, Telecommunication, QSR, Banking ,PSU ,fmcg, capital goods ,travel and tourism, logistics etc
WHY THAT HAWA FINANCE NOT PERFORMING ? WHERE IS THE PROFITS IN THE SCREENER ? GOING . STOCK PRICE FOLLOWS THE PROFIT BUT HERE IT IS REVERSE . I EXITED DUE TO FRUSTRATION CAPITAL BLOCKED HERE .
Nice comparison I would request you to please have a comparison between Gujarat Flourochemical and SRF as both are working on much important chemical that is Flourochemical
Surprise video release, thanks for sharing your thoughts, I’m a investor in these three companies after done my analysis, my order of choice is 1.Aavas, 2.Aptus, 3.Homefirst.
Dear Sahil, Can you please research Focus Lighting and Fixtures and create an analysis video for us. It seems to have immense potential. It will be great to have your views
Dear Sahil Homefirst saw huge selling in Sept22 by FIIs and mass buying by retail investors. Although now it is decreasing slowly but could you please comment on the reason for this steep selling by foreign investors in this stock during last year.
yes brother i have bought AaVas and i have not sold it till now..... because of your view...😢i missed newgen .... i didn't want to miss Aavas 😊😊😊. so holding
Fantastic as always, I had invested in Aavas Financiers after considering inputs in your recent video and happy to see it performing well in a matter of 3 weeks. The slides, sector background, comparative analysis and the art of reading through the numbers are the very best.👏I have a question on Aptus, would it's valuations shrink once we have the upcoming supply of IPOs of Small & Micro finance banks like Utkarsh Small Finance Bank, ESAF etc..what would happen if they in future start operating in Affordable housing? Will the present growth rates on ROE, ROA, CAGR continue?
Great video. My investments are in Aavas in HOMEFIRST. I am looking to increase positions on both, although I think in the short term Aavas is going to give better returns. But my long term bet is on Homefirst- smaller market size and higher growth rate. NPA will be further reduced in due course.
I am not agree with your argument that large bank interested only for loan of big ticket size. In my knowledge there are people who taken home loan starting from 10 lakhs from HDFC and ICICI Bank.
Hi sahil, I have taken entry in aavas this April. As you said choosing one among three good companies with similar future potential is a tricky choice.your analysis is excellent.
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
-Complete course on money management: www.sahilbhadviya.in/
Kindly make a comparative video of fundamental analysis of hospital sector like Apollo, KIMS, FORTIS etc.
I have both aavas, home first past few months also BOB, tvs motor,itc and Olectra green average is more than 100% gains but i only invested 10k in each share
Best diagnostic stocks ?
Sir,
After watching your videos, I am planning to Add Aavas.
Thanks you for such beautiful insights help to taking decision.
Sir pls dont give wrong Inormation to customers ....we are facing a lots of problem with Aavas financiers bank
I’m holding Aavas, but I got aware of it only because of you, I was also planning to buy aptus, but it suddenly shed 9% in one day last week, but it’s recovering now. I feel Aptus profits margins are very much higher than all among other companies. I’m am planning to buy aptus too
Have invested in Aavas about a year back at 1950 levels and further added at 1360 levels . Hope to see it move above 2000 levels in the next 9-12 months considering the hsg finance market growth against falling interest rates from q2-q3. Only need to know more about what kind of technology employed by different companies in terms of faster turnaround and how they evaluate their clients for loan sanctioning
During credit boom all the home finance companies are talked about... During the last cycle it was DHFL that was the favourite of all.. Which went bust.. The history repeats itself.. Will wait and watch how many of these companies survive.
true , some will rock and some will loss.... this is called market
Xchanging sol divided 15 rs.. Cmp 112 rs. Ex-date 27 july. Good to get a huge dividend
My preferred pick is APTUS as I am watching their business style closely...they are more conservative like Mufugappa group...doing due diligence before giving loans to small businesses...Now they are expanding to Telangana and Karnataka...they are slow but steady
they have 1 branch in Orissa also
Also would like to add that for Aptus there is a succession planning risk.
I'm surprised that preference was Homefirst more than Aptus. Aptus has a much higher spread, lower NPA and very concentrated customer base. Collections is efficient when you are concentrated. Homefirst is wide spread and has the lowest branches count, which is also resulting in thier NPAs. From Pricing as well, Homefirst is close to all time high, while Aptus is available at a discount from all time high.
Although Aptus has a Small business loan side, i think they have proven themselves to be more efficient.
Aptus is only in south india. Its not easy for a south indian co to expand in north. Also, it has higher cost of borrowing and higher exposure to microfinance sector that has higher risk of default.
@@SahilBhadviyayou can say the same for the other two, it's not easy to start in South
Yes u said right
Aptus is far far better than home first
Branch network
NPA
I am owning AAVAS. Thanks for your comparative analysis
Super infos....invested on aavas & home first both!
Awesome analysis.
I have Aavas Finance in my portfolio.
At avg price of 1500.
Invested in Aavas recently with long term view for min 3 years.
Yesterday I was thinking to compare these 3. Lot thanks to you Sahil for bringing it with facts.
Appreciated your effort and knowledge. 🙏🏽
Have invested in Aavas @1350 last month added more few days back nd holding for long term
My preferred pic is Aptus then Home first. Aptus can generate huge wealth if it's leverage is around 3-4. Aptus can grow for a decade without raising any capital.
Holding aptus for last 9months and planning to hold for next 3yrs min. U have done par excellence analysis 👏 👌
Holding since ipo with big loss
@@amitparsekar9654 don't sell... hold it!! U will c good return. Patience is very important ✨️
I am holding GIC Housing Finance, currently available at Rs. 180 with an EPS of Rs. 40 in 2023. It is highly undervalued in comparison with above 3 shares. Please do your own research before investing your hard earned money.
Gas sector comparison (IGL,Guj Gas, GSPL,MGL, PetronetLNG).
Fert & Agro chemical stocks comparison (UPL,PI Ind, Sumitomo,Best Agro,Deepak fert,Chambal,GNFC,FACT)
Aavas I bought at 1358 last month
Finally Sahil bhai’s best series is back on track ❤
Waited video. Please make these kinds of videos also in other sectors
Sahil, great analysis. Holding home first and Aawas. Analysis of Asian Paint, Berger Paints with two small & mid cap Sirca Paint and Indigo Paint is my request
Aptus is doing diversified business..jb interest rates kam honge tb Aptus ko jyada benefit hoga due to small size loan..
Best comparative analysis of low ticket and affordable housing loan
Nice presentation
Holding IPO Home first finance for next 15 yrs
I invested in AAVAS 1 years back, now at 30% loss
Average it! And wait good luck
I invested in Aptus Value Housing 2 days ago.
Excellent analysis, watch your Aavas analysis and invested.
Holding both aavas abd homefirst
Hello sahil Bhai, request you to kindly make a detailed video on NMDC STEEL. It will be of great useful information for the whole investors.
Sir Retail Consumer share pe banaye video
Hi sir, big fan of your comparison analysis. Pls analyse sectors Like Defense, Power , Textile, NBFC, Dairy, Auto ancillary, speciality chemicals, Fertilizers, small cap IT sector, Telecommunication, QSR, Banking ,PSU ,fmcg, capital goods ,travel and tourism, logistics etc
Sahil pls analyse Dairy sector. Hutsun vs Dodla vs Heritage
I have Aptus 50 stocks... Will have Continuing..
Please make a vedio on current undervalued stocks at present market
yaa i invested in Aavas last year only
Excellent analysis! Many thanks! Need more such comparative videos in mid and small cap space
WHY THAT HAWA FINANCE NOT PERFORMING ? WHERE IS THE PROFITS IN THE SCREENER ? GOING . STOCK PRICE FOLLOWS THE PROFIT BUT HERE IT IS REVERSE . I EXITED DUE TO FRUSTRATION CAPITAL BLOCKED HERE .
Nsdl vs cdsl analysis...as nsdl is ready for ipo ?? ... Whether cdsl or nsdl that performance can be good in long term.... Give that analysis bro.
What is the difference between AUM growth and advance growth?
Waiting for this comparison thank you sahil
Please make video for Moschip
What about Can fin Homes
What about can fin home finance?
What about Can fin homes ?
Nice comparison I would request you to please have a comparison between Gujarat Flourochemical and SRF as both are working on much important chemical that is Flourochemical
Thank you very much for building my confidence. I have entered at 250 recently
Aavas is in portfolio of saurabh mukherjea also. So definetely this stock has excellent credibility 😊
Canfin and pnb housing not compared.. but your doing extremely good job 👍🏾. Learners like me benefitted. Thanks 🙏
Thanks Sir .. Sidhi baat no bakwaas..... Great Job 👍
Surprise video release, thanks for sharing your thoughts, I’m a investor in these three companies after done my analysis, my order of choice is 1.Aavas, 2.Aptus, 3.Homefirst.
Me too 🎉
Y aavas ?
Dear Sahil, Can you please research Focus Lighting and Fixtures and create an analysis video for us. It seems to have immense potential. It will be great to have your views
Thanx. Pl do more comparisons❤
Good analysis, Holding Aptus
Thank you for yr great analysis sir. I hv bought Aavas just 2 weeks back at 52 week low price Rs.1338
Great as always.I have small holding in home first.Yes if you can guide in green energy.
I have some aptus shares in my portfolio. And thinking to buy aavas finance 😅
Analyzed technicaly. Homefirst looks a lot better. For now.
Invested in AAVAS at 1320
Nice comparison done Sahil sir
five star business finance?
Yes do more such comparisons video and give your opinion too.
Thanks for knowledge. What about PNB housing? It is looking better now from both technical and Valuation point of view
WHAT A SUPERB PRESENTATION . YOU ARE VERY GENIUS ANALYST .
Sir with interest subvention from govt. Kindly make one more video on this sector
As you said Home first is able to disburse loan within 48 hours. This should take it ahead of others when buyers flock to home finance stocks.
Holding Aavas from last 2 months
..
Best diagnostic stocks ??
What is difference between AUM & Advances?
Please make a video on Clean Science
Tremendous effort you put to analyse these three stocks.Hat's off.
Holding home first in my portfolio since it's ipo. Can u plz make such comparative analysis in life insurance sector,
Excellent initiative video...
Invested in Aavas with huge loss😢
Can you please make a detailed video on Sandhar technology. It is again in news due to possibility of Tesla entering India
Please do analysis on best healthcare stocks Narayan hrudalaya, Children medicare, poly medicure, global health
Iifl & lic home finance are competitors or Aavas finance.
Thanks
Do video on comparison of broking industry
Hi sir pls do one video PET industriy wichi is listed space top 5 compenys...
Yes. I invested in APTUS and it is in losses.
Yes
Defense stock
MTARTECH,MAZDOCK&BDLor HAL
Dear Sahil
Homefirst saw huge selling in Sept22 by FIIs and mass buying by retail investors. Although now it is decreasing slowly but could you please comment on the reason for this steep selling by foreign investors in this stock during last year.
Yes Aavas after your very good analysis. Entry was very good after your recent analysis
Valuable information, thinking to enter in to home first finance.
Much wanted videos for me.
Do try to make a presentation on beaten down fundamentally strong companies like Voltas and Clean Science
825 price par Home first Finance Lena sahi rahega??
Dear Sir,
How to invest in IT index or kindly suggest which is the IT mutual fund to invest in ?
buy it etf
What about LIC housing
yes brother i have bought AaVas and i have not sold it till now..... because of your view...😢i missed newgen .... i didn't want to miss Aavas 😊😊😊. so holding
Make comparisons between insurance company
Hi sir. Borosil Renewable bought @600 average. Now please suggest whether exit or average or hold.
Next pharma companies analysis
Fantastic as always,
I had invested in Aavas Financiers after considering inputs in your recent video and happy to see it performing well in a matter of 3 weeks.
The slides, sector background, comparative analysis and the art of reading through the numbers are the very best.👏I have a question on Aptus, would it's valuations shrink once we have the upcoming supply of IPOs of Small & Micro finance banks like Utkarsh Small Finance Bank, ESAF etc..what would happen if they in future start operating in Affordable housing? Will the present growth rates on ROE, ROA, CAGR continue?
Great video. My investments are in Aavas in HOMEFIRST. I am looking to increase positions on both, although I think in the short term Aavas is going to give better returns. But my long term bet is on Homefirst- smaller market size and higher growth rate. NPA will be further reduced in due course.
LIC housing finance is trading at very cheap valuation. But growth in last 5 year is low. What is your opinion on that considering good management
Wonderful analysis Sahil
Keep making such comparative videos across sectors
👍👍👏👏👏👏
I am not agree with your argument that large bank interested only for loan of big ticket size. In my knowledge there are people who taken home loan starting from 10 lakhs from HDFC and ICICI Bank.
Also at low interest rate of 8-10% or at PSU banks.
Please make a similar video on NBFCs like Bajaj finance, Chola mandalam, Sundaram finance etc
Don't agree with recommendations. Aptus is way more stronger bet than other two considering their focus and mix, it's severely undervalued as well
Hi sahil, I have taken entry in aavas this April. As you said choosing one among three good companies with similar future potential is a tricky choice.your analysis is excellent.
Awesome, crisp, effective and quality information