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Aavas Financiers Limited AAVAS NIFTY_SMALLNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.aavas.in
Company Profile ↓
₹1,463.60
-25.11% 1Y
Mkt Cap₹11,603.82 Cr
P/E20.34
P/B2.35
52W High₹2,009.20
52W Low₹1,073.90
Book Value₹637.07
EPS (TTM)₹71.97

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 32.2% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 25.3% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 27.4%.

Recent Developments

  • Mar 2026 Revenue of ₹2,392.75 Cr (+12.6% YoY); net profit ₹654.88 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +12.6%, earnings +14.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 25.3%, profit CAGR 32.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:25.28%
1 Year:12.59%

Compounded Profit Growth

5 Years:32.16%
1 Year:14.07%

Stock Price Performance

1 Year:-25.11%
6 Months:+0.98%
3 Months:+11.87%
1 Month:+4.16%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 42% of range
₹1,073.90 ₹2,009.20
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)50.52 · Neutral
Price Performance
1M+4.16%
3M+11.87%
6M+0.98%
1Y-25.11%
Valuation vs Sector

P/E of 20.34 is above the sector median of 19.81 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 27.4%.
  • Compounding revenue at 25.3% over 5 years.
  • Profit CAGR of 32.2% over 5 years.

CONS

  • Trading 27.2% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
20.34
Industry PE
19.81
Forward P/E
12.52
PEG Ratio
-
Book Value
₹637.07
Price to Book
2.35
P/S
7.63
EV/EBITDA
43.73
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
25.28%
Profit 5Y
32.16%
Revenue (YoY)
12.59%
Earnings (YoY)
14.07%

Profitability & Returns

ROCE
2.75%
ROE
12.97%
ROA
3.09%
Profit Margin
27.37%
Op Margin
24.33%
Gross Margin
34.16%
EPS (Latest Qtr)
₹22.78
EPS (TTM)
₹71.97

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
-0.00%
FII / Inst Holding
31.47%
Chg in FII Hold
0.17%

Financial Snapshot

Enterprise Value
₹11,603.82 Cr
Total Revenue (TTM)
₹2,392.75 Cr
EBITDA
₹625.19 Cr
Free Cash Flow
₹-1,419.22 Cr
Operating Cash Flow
₹-1,386.42 Cr
Shares Outstanding
₹7.93 Cr
Gross Margin
34.16%
Payout Ratio
0.00%

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 1,463.60 20.34 ₹11,603.82 Cr 0.00% 2.75% 12.97% 25.28% 32.16%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 289.00 Cr272.00 Cr325.00 Cr343.00 Cr365.00 Cr353.00 Cr395.00 Cr411.00 Cr450.00 Cr467.00 Cr497.00 Cr508.00 Cr546.00 Cr566.24 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 76.00 Cr80.00 Cr86.00 Cr97.00 Cr89.00 Cr98.00 Cr110.00 Cr117.00 Cr118.00 Cr132.00 Cr129.00 Cr134.00 Cr139.00 Cr57.35 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 115.00 Cr113.00 Cr116.00 Cr125.00 Cr124.00 Cr135.00 Cr141.00 Cr150.00 Cr165.00 Cr187.00 Cr204.00 Cr217.00 Cr222.00 Cr-----
Pretax Income 95.00 Cr74.00 Cr118.00 Cr115.00 Cr146.00 Cr114.00 Cr138.00 Cr138.00 Cr159.00 Cr141.00 Cr157.00 Cr150.00 Cr177.00 Cr193.22 Cr179.13 Cr211.23 Cr219.32 Cr230.76 Cr
Tax Provision 7.60 Cr14.80 Cr25.96 Cr26.45 Cr30.66 Cr25.08 Cr30.36 Cr30.36 Cr31.80 Cr31.02 Cr36.11 Cr33.00 Cr35.40 Cr39.54 Cr39.90 Cr47.29 Cr49.28 Cr49.09 Cr
Net Income 87.00 Cr59.00 Cr92.00 Cr89.00 Cr115.00 Cr89.00 Cr107.00 Cr107.00 Cr127.00 Cr110.00 Cr122.00 Cr117.00 Cr142.00 Cr153.68 Cr139.23 Cr163.93 Cr170.05 Cr181.67 Cr
Diluted EPS 11.147.5211.6511.2514.6311.2813.4913.5516.0413.8915.3814.7518.0010.0017.4520.5521.3222.78

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 494.00 Cr710.00 Cr903.00 Cr1,103.00 Cr-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 162.00 Cr188.00 Cr226.00 Cr274.00 Cr-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 193.00 Cr255.00 Cr356.00 Cr458.00 Cr3.19 Cr3.91 Cr5.45 Cr5.24 Cr-
Pretax Income 134.00 Cr258.00 Cr302.00 Cr353.00 Cr-548.42 Cr624.45 Cr732.59 Cr840.44 Cr
Tax Provision 41.54 Cr82.56 Cr54.36 Cr63.54 Cr-118.78 Cr133.76 Cr158.48 Cr185.56 Cr
Net Income 93.00 Cr176.00 Cr249.00 Cr289.00 Cr-429.64 Cr490.69 Cr574.11 Cr654.88 Cr
Diluted EPS 13.4522.5431.8036.8044.8154.2661.9371.97-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 4,040.00 Cr5,627.00 Cr7,657.00 Cr8,959.00 Cr-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 1,190.00 Cr1,837.00 Cr2,098.00 Cr2,400.00 Cr-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 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -933.00 Cr-1,276.00 Cr-1,172.00 Cr-1,071.00 Cr--1,924.12 Cr-2,000.51 Cr-1,660.13 Cr-1,386.42 Cr
Investing Cash Flow -218.00 Cr-327.00 Cr-342.00 Cr-265.00 Cr-195.70 Cr-646.50 Cr176.23 Cr-116.54 Cr
Financing Cash Flow 1,240.00 Cr1,404.00 Cr1,705.00 Cr1,008.00 Cr-1,858.26 Cr2,490.90 Cr1,474.66 Cr1,720.21 Cr
Capital Expenditure -14.00 Cr-14.00 Cr-20.00 Cr-8.00 Cr--38.95 Cr-32.74 Cr-30.07 Cr-32.80 Cr
Free Cash Flow -947.00 Cr-1,290.00 Cr-1,192.00 Cr-1,079.00 Cr--1,963.07 Cr-2,033.26 Cr-1,690.20 Cr-1,419.22 Cr
Net Change in Cash 90.00 Cr-198.00 Cr191.00 Cr-328.00 Cr-129.84 Cr-156.11 Cr-9.24 Cr217.25 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 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 % 18.8%24.8%27.6%26.2%-31.7%29.2%27.0%27.4%
ROE % 7.8%9.6%11.9%12.0%-13.1%13.0%13.2%13.0%
ROCE % -----2.7%2.3%3.3%2.7%

Shareholding Pattern

Insiders
49.67%
Institutions
31.47%
Public Float
62.52%

Analyst View

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Latest News

Recent headlines for AAVAS

Yahoo Finance Sat, 07 Feb 2026

AAVAS Financiers Ltd (BOM:541988) Q3 2026 Earnings Call Highlights: Strong Profit Growth Amidst ...

AAVAS Financiers Ltd (BOM:541988) reports a 16% increase in net profit and outlines ambitious branch expansion to drive future growth.

Yahoo Finance ue, 11 Nov 2025

AAVAS Financiers Ltd (BOM:541988) Q2 2026 Earnings Call Highlights: Strong Disbursement Growth ...

AAVAS Financiers Ltd (BOM:541988) reports robust growth in disbursements and net profit, while addressing challenges in cost efficiency and regional asset quality.

AAVAS — Frequently Asked Questions

What is the current share price of Aavas Financiers Limited (AAVAS)?

As of 2026-07-15 09:52 IST, Aavas Financiers Limited (AAVAS) trades at ₹1,463.60 on NSE. Its 52-week range is ₹1,073.90 to ₹2,009.20.

What is the market capitalisation of AAVAS?

Aavas Financiers Limited (AAVAS) has a market capitalisation of ₹11,603.82 Cr on NSE.

What is the P/E ratio of AAVAS?

AAVAS trades at a trailing price-to-earnings (P/E) ratio of 20.34. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.35.

What is the return on equity (ROE) of AAVAS?

AAVAS has a return on equity (ROE) of 12.97%. Its return on capital employed (ROCE) is 2.75%.

Is AAVAS a good stock to buy?

This page provides a data-driven analysis of Aavas Financiers Limited (AAVAS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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