Aavas Financiers logo

Aavas Financiers

AAVAS NSE

Key Fundamentals

MicrocapHousing FinanceFinancial Services
Market Cap
₹10,092 Cr
Volatility
Moderate
P/E Ratio
14.71
EBITDA
₹1,486 Cr
Return on Equity
13%
Debt to Equity
3.16
Book Value
₹636.98
EPS
₹61.97
52W High
₹1,771.9
52W Low
₹1,060.4

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Weaknesses

4
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 14.0% over last 3 years.
  • Company might be capitalizing the interest cost

Growth Rate

Revenue Growth
25.46% higher than 3Y
Net Income Growth
14.22% lower than 3Y
Cash Flow Change
-3.77% higher than 3Y
ROE
-1.07% lower than 3Y
ROCE
3.82% lower than 3Y
EBITDA Margin (Avg.)
1.42% higher than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 44d ago
AI opinion · based on fundamentals
Risk medium

AAVAS Financiers is a housing finance company with a market cap of ₹10,828 Cr trading at a P/E of 15.7x and P/B of 2.14x. The company has delivered consistent 19% compounded sales growth over 5 years with steady 14% ROE, but its stock has declined 21% over the past year and it pays no dividend despite repeated profitability.

Bull Case 7
  • Strong 5-year compounded sales growth of 19% CAGR indicates robust loan book expansion in the affordable housing finance segment
  • Compounded profit growth of 18% over 5 years and 17% TTM demonstrates consistent earnings momentum
  • P/E ratio of 15.7x is relatively modest for a housing finance company with consistent double-digit growth, suggesting potential valuation comfort
  • 10-year compounded sales growth of 30% and profit growth of 35% reflect a long track record of scaling the business successfully
  • Consistent ROE of 14% across 1-year, 3-year, 5-year, and 10-year periods shows stable return generation without significant volatility
  • TTM sales growth of 13% indicates the company continues to grow even in a competitive housing finance environment
  • P/B ratio of 2.14x is reasonable for an NBFC with 14% ROE and consistent profit growth trajectory
Bear Case 8
  • Stock has declined 21% over the past 1 year, significantly underperforming broader markets, signaling investor concerns
  • Zero dividend payout despite repeated profitability raises questions about capital allocation and shareholder returns
  • Low interest coverage ratio flagged as a concern, which is critical for an NBFC dependent on borrowing spreads
  • ROE of 14% over 3 years is low for a housing finance company trading at 2.14x book value, implying stretched valuations relative to returns
  • Potential capitalisation of interest costs may overstate reported profits and asset quality metrics
  • 3-year stock CAGR of -4% and 5-year CAGR of -12% show prolonged wealth destruction for shareholders despite business growth
  • Sales growth has decelerated from 30% (10-year CAGR) to 19% (5-year) to 13% (TTM), indicating a slowing growth trajectory
  • Profit growth has also slowed from 35% (10-year) to 18% (5-year) to 17% (TTM), suggesting diminishing scaling benefits

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 42d ago
Positives 1
  • Q1 net profit up 23% YoY Jul 21

    Net profit rose to ₹17,126.81 lakh in Q1FY27. Asset quality improved with GNPA at 1.11% and capital adequacy (CRAR) strong at 44.66%.

Neutral 2
  • ₹200 crore NCD allotted at 7.8% Aug 1

    Completed private placement of 20,000 NCDs worth ₹200 crore at 7.80% coupon rate with a 3-year tenor, secured by first-ranking charge over identified assets. Approved Jul 30, listed on BSE WDM segment.

  • Q1FY27 earnings call hosted Jul 14

    Earnings call held on July 21, 2026 featuring MD & CEO Manu Singh and senior management to discuss Q1FY27 results.

TL;DR: Aavas Financiers is delivering solid earnings growth with a 23% YoY rise in Q1 net profit, supported by improving asset quality (GNPA at 1.11%) and a very comfortable capital position (CRAR 44.66%). The ₹200 crore NCD issuance at 7.80% signals steady access to debt markets at reasonable rates. No material headwinds are visible in recent news flow, and the trend appears stable-to-improving heading into the rest of FY27.

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
467
497
508
546
542
579
597
636
628
667
674
715
709
Expenses
132
130
134
139
138
133
142
170
168
170
170
199
185
Financing Profit
148
163
157
186
169
198
196
202
188
222
230
243
231
Fin. Margin %
32%
33%
31%
34%
31%
34%
33%
32%
30%
33%
34%
34%
33%
Other Income
0
1
1
1
0
1
1
1
0
0
0
0
0
Interest
187
204
217
222
235
249
259
265
271
276
274
273
293
Depreciation
7
8
9
9
9
9
9
10
9
11
11
12
11
PBT
141
157
150
177
161
190
188
193
179
211
219
231
220
Tax %
22%
22%
22%
20%
22%
22%
22%
20%
22%
22%
22%
21%
22%
Net Profit
110
122
117
143
126
148
146
154
139
164
170
182
171
EPS in Rs
13.87
15.38
14.74
18.02
15.93
18.69
18.5
19.42
17.59
20.71
21.48
22.91
21.6
Gross NPA %
1%
1.04%
1.09%
0.94%
1.01%
1.08%
1.14%
1.08%
1.22%
1.24%
1.19%
1.05%
1.11%
Net NPA %
0.73%
0.76%
0.79%
0.67%
0.72%
0.78%
0.81%
0.73%
0.84%
0.85%
0.79%
0.68%
0.71%
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
104
191
305
494
710
902
1,103
1,304
1,608
2,018
2,355
2,683
2,765
Expenses
21
43
72
161
188
225
273
349
441
535
582
706
724
Financing Profit
30
51
90
139
266
321
372
477
576
654
765
882
925
Fin. Margin %
29%
27%
29%
28%
38%
36%
34%
37%
36%
32%
32%
33%
33%
Other Income
0
0
0
1
1
1
2
1
2
3
4
1
1
Interest
53
97
143
193
255
356
458
478
591
828
1,007
1,095
1,116
Depreciation
1
1
3
6
10
20
21
24
29
33
36
43
45
PBT
29
50
88
134
258
302
353
455
549
624
733
840
881
Tax %
34%
34%
35%
31%
32%
18%
18%
22%
22%
21%
22%
22%
—
Net Profit
19
33
57
93
176
249
290
357
430
491
574
655
687
EPS in Rs
5.8
8.54
9.82
13.46
22.52
31.81
36.88
45.2
54.4
62
72.53
82.6
86.7
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
33
38
58
69
78
78
78
79
79
79
79
79
Reserves
69
165
508
1,121
1,759
2,020
2,323
2,730
3,191
3,694
4,282
4,972
Borrowing
704
1,447
1,793
2,755
3,653
5,382
6,378
8,012
9,887
12,412
13,918
15,686
Other Liabilities
47
60
91
95
137
177
181
200
254
334
339
476
Total Liabilities
852
1,711
2,451
4,040
5,627
7,657
8,960
11,020
13,411
16,519
18,618
21,212
Fixed Assets
5
6
10
18
23
60
58
66
78
116
134
169
CWIP
0
0
0
0
0
1
0
2
20
11
10
9
Investments
0
0
1
4
4
4
4
68
123
182
230
271
Other Assets
847
1,705
2,440
4,017
5,599
7,592
8,897
10,885
13,189
16,210
18,244
20,764
Total Assets
852
1,711
2,451
4,040
5,627
7,657
8,960
11,020
13,411
16,519
18,618
21,212
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
—
-591
-591
-933
-1,276
-1,172
-1,071
-1,136
-1,920
-2,001
-1,660
-1,386
Investing
—
-1
-15
-218
-327
-342
-265
-467
196
-646
176
-117
Financing
—
816
640
1,240
1,404
1,705
1,008
1,623
1,858
2,491
1,475
1,720
Net Cash Flow
—
224
34
90
-199
191
-328
20
134
-156
-9
217
Free Cash Flow
—
-592
-598
-947
-1,290
-1,192
-1,079
-1,151
-1,958
-2,032
-1,688
-1,418
CFO/OP
—
-390
-243
-268
-232
-164
-122
-111
-157
-126
-86
-62
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
24%
21%
15%
11%
12%
13%
13%
14%
14%
14%
14%
14%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Shareholding Pattern

Others3.05%Promot.48.88%Public9.64%FIIs16.27%DIIs22.15%As ofJun 2026

Documents

Frequently Asked Questions about Aavas Financiers

What does AAVAS Financiers Ltd do?
Incorporated in 2011, Aavas Financiers Ltd provides housing loans & advances[1]
Where is AAVAS Financiers Ltd (AAVAS) listed?
AAVAS Financiers Ltd trades as AAVAS on the NSE and under code 541988 on the BSE.
Which sector does AAVAS Financiers Ltd belong to?
AAVAS Financiers Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the market capitalisation of AAVAS Financiers Ltd?
AAVAS Financiers Ltd has a market capitalisation of ₹10,092 Cr, which places it in the Mid Cap band.
What is the PE ratio of AAVAS Financiers Ltd?
AAVAS Financiers Ltd trades at a PE ratio of 14.71, on earnings per share of ₹61.97, against a book value of ₹636.98 per share.
What is the 52-week high and low of AAVAS Financiers Ltd?
Over the last 52 weeks AAVAS Financiers Ltd has traded between ₹1,060.4 and ₹1,771.9.
What is the Return on Equity (ROE) of AAVAS Financiers Ltd?
AAVAS Financiers Ltd reported a return on equity of 13.00%. Its debt-to-equity ratio is 3.16.

Company Information

Incorporated in 2011, Aavas Financiers Ltd provides housing loans & advances[1]

Website aavas.in
CEO Mr. Sachinderpalsingh Jitendrasingh Bhinder
Employees 7,233
Listed 2018-10-08
Face Value ₹ 10
Issued Size 7,91,79,511

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