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Aavas Financiers Limited AAVAS NIFTY_SMALLNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.aavas.in

Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India. The company offers home loans for flats, houses, and bungalows; home construction loans for self-construction of residential houses; resale property purchase loans, and home improvement loans, including loans for tiling or flooring, plaster or painting, etc. It also provides loans against property; micro, small, and medium enterprise loans; and home loan balance transfer, as well as cash salaried plus loans and small ticket size loans. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in May 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.

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₹1,343.10
-25.85% 1Y

Market & Price

Market Cap
₹10,649.14 Cr
Current Price
₹1,343.10
High / Low (52W)
₹2,092.50 / ₹1,073.90
Beta
0.58

Valuation

Stock P/E
16.34
Industry PE
19.12
Forward P/E
11.42
PEG Ratio
-
Book Value
₹637.79
Price to Book
2.11
P/S
6.84
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
2.75%
ROE
13.92%
ROA
3.29%
Profit Margin
42.08%
Op Margin
53.08%
EPS (Latest Qtr)
₹22.78
EPS (TTM)
₹82.20

Balance Sheet & Liquidity

Debt/Equity
3.11
Quick Ratio
1,603.96
Current Ratio
1,603.96
Debt
₹15,685.57 Cr
Total Assets
₹21,212.50 Cr
Current Assets
₹20,230.89 Cr
Working Capital
₹20,218.27 Cr

Ownership

Promoter Holding
49.67%
Chg in Prom Hold
-
FII / Inst Holding
35.28%
Chg in FII Hold
-0.06%

Financial Snapshot

Enterprise Value
₹24,478.64 Cr
Total Revenue (TTM)
₹1,556.27 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-1,386.42 Cr
Shares Outstanding
₹7.93 Cr
Gross Margin
99.34%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
20.85%
Profit 5Y
15.08%
Revenue (YoY)
19.20%
Earnings (YoY)
18.30%

PROS

  • Excellent profit margin of 42.1%.
  • Compounding revenue at 20.9% over 5 years.
  • Profit CAGR of 15.1% over 5 years.

CONS

  • Trading 35.8% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AAVAS Aavas Financiers Limited NIFTY_SMALLNSEFINANCIAL 1,343.10 16.34 ₹10,649.14 Cr - 2.75% 13.92% 20.85% 15.08%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 566.24 Cr572.19 Cr591.18 Cr602.37 Cr627.01 Cr
Cost of Revenue 379.27 Cr384.31 Cr391.41 Cr390.97 Cr408.80 Cr
Gross Profit 186.97 Cr187.88 Cr199.77 Cr211.40 Cr218.21 Cr
Operating Expenses 57.35 Cr53.24 Cr56.85 Cr56.47 Cr68.62 Cr
Operating Income 129.61 Cr134.64 Cr142.92 Cr154.93 Cr149.59 Cr
EBITDA 139.41 Cr143.99 Cr153.63 Cr166.04 Cr161.54 Cr
Interest Expense -----
Pretax Income 193.22 Cr179.13 Cr211.23 Cr219.32 Cr230.76 Cr
Tax Provision 39.54 Cr39.90 Cr47.29 Cr49.28 Cr49.09 Cr
Net Income 153.68 Cr139.23 Cr163.93 Cr170.05 Cr181.67 Cr
Diluted EPS 10.0017.4520.5521.3222.78

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -1,355.52 Cr1,679.98 Cr2,125.21 Cr2,392.75 Cr
Cost of Revenue -859.83 Cr1,155.92 Cr1,393.55 Cr1,575.50 Cr
Gross Profit -495.69 Cr524.06 Cr731.66 Cr817.25 Cr
Operating Expenses -184.14 Cr208.20 Cr205.15 Cr235.17 Cr
Operating Income -311.55 Cr315.87 Cr526.51 Cr582.08 Cr
EBITDA -581.05 Cr662.56 Cr562.96 Cr625.19 Cr
Interest Expense 3.19 Cr3.91 Cr5.45 Cr5.24 Cr-
Pretax Income -548.42 Cr624.45 Cr732.59 Cr840.44 Cr
Tax Provision -118.78 Cr133.76 Cr158.48 Cr185.56 Cr
Net Income -429.64 Cr490.69 Cr574.11 Cr654.88 Cr
Diluted EPS 44.8154.2661.9371.97-

Compounded Sales Growth

5 Years:20.85%
1 Year:19.20%

Compounded Profit Growth

5 Years:15.08%
1 Year:18.30%

Stock Price Performance

1 Year:-25.85%
6 Months:-17.03%
3 Months:+5.82%
1 Month:-2.72%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -13,409.61 Cr16,519.45 Cr18,618.47 Cr21,212.50 Cr
Current Assets -3,402.91 Cr4,263.01 Cr4,465.81 Cr20,230.89 Cr
Cash & Equivalents -177.65 Cr20.56 Cr11.31 Cr228.57 Cr
Inventory -----
Receivables -1.22 Cr12.22 Cr11.37 Cr-
Total Liabilities -10,139.95 Cr12,746.14 Cr14,257.64 Cr16,161.66 Cr
Current Liabilities -1,683.74 Cr2,669.13 Cr2,549.81 Cr12.61 Cr
Long Term Debt -8,368.10 Cr9,964.44 Cr11,573.90 Cr15,592.21 Cr
Total Debt -9,887.28 Cr12,411.92 Cr13,918.48 Cr15,685.57 Cr
Total Equity -3,269.66 Cr3,773.32 Cr4,360.83 Cr5,050.85 Cr
Shares Outstanding -7.91 Cr7.91 Cr7.92 Cr7.93 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --1,924.12 Cr-2,000.51 Cr-1,660.13 Cr-1,386.42 Cr
Investing Cash Flow -195.70 Cr-646.50 Cr176.23 Cr-116.54 Cr
Financing Cash Flow -1,858.26 Cr2,490.90 Cr1,474.66 Cr1,720.21 Cr
Capital Expenditure --38.95 Cr-32.74 Cr-30.07 Cr-32.80 Cr
Free Cash Flow --1,963.07 Cr-2,033.26 Cr-1,690.20 Cr-1,419.22 Cr
Net Change in Cash -129.84 Cr-156.11 Cr-9.24 Cr217.25 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -36.6%31.2%34.4%34.2%
Operating Margin % -23.0%18.8%24.8%24.3%
Net Margin % -31.7%29.2%27.0%27.4%
ROE % -13.1%13.0%13.2%13.0%
ROCE % -2.7%2.3%3.3%2.7%

Shareholding Pattern

Insiders
49.67%
Institutions
35.28%
Public Float
70.10%

Analyst View

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