Aavas Financiers Ltd.

•

aavas.inBSE: 541988NSE: AAVAS

Market Cap₹ 10,252 Cr.

Current Price

High / Low₹ 1,772 / 1,060

Stock P/E20.9

Book Value—

Price to Book2.80

Dividend Yield0.00 %

ROCE10.0 %

ROE14.1 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 22.8% CAGR over last 5 years
Comfortable capital adequacy - CAR of 44.6%
Promoters have been increasing their shareholding - up 22.4pp over 2 years
Solid return on assets for a lender - ROA of 3.3%
Asset quality is healthy - gross NPA of just 1.1%

CONS

Company has a low return on capital employed of 9.7%
Free cash flow has been persistently negative
Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing

Part ofNIFTY TOTAL MKT NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	BAJAJHFL	82.93	663.40	69100.05	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2311.65	32.42	54700.64	0.48	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	175.45	8.25	35123.34	3.45	851.11	35.05	3717.17	27.10	8.41	97.08
4.	LICHSGFIN	556.60	5.34	30616.51	1.80	1499.03	9.90	7082.59	-1.16	8.59	97.06
5.	PNBHOUSING	1142.90	12.88	29807.28	0.70	557.34	4.47	2263.44	9.02	9.41	91.52
6.	AADHARHFC	471.70	18.12	20670.21	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	150.05	0.00	17474.18	0.00	243.30	-27.22	1651.93	-31.18	-4.70	99.91
8.	APTUS	258.20	13.13	12931.44	1.74	260.94	19.01	600.29	15.38	15.45	81.94
9.	HOMEFIRST	1202.80	21.63	12576.41	0.43	1598.51	1244.52	5380.11	1086.05	11.13	77.98
10.	CANFINHOME	787.55	9.28	10486.59	1.90	267.82	19.63	1096.15	7.43	9.14	91.29
11.	AAVAS	1292.95	20.89	10252.36	0.00	142.48	12.34	546.02	21.42	9.97	74.58
12.	INDIASHLTR	667.55	14.48	7287.46	1.50	137.59	27.24	408.23	24.73	12.96	73.07

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
	365	353	395	411	450	467	497	508	546
	89	98	110	117	118	132	129	134	139
Operating Profit	277	255	285	294	332	335	368	374	407
OPM %	75.74%	72.34%	72.22%	71.54%	73.75%	71.68%	74.03%	73.58%	74.58%
Other Income	0	0	0	1	1	0	1	1	1
Interest	124	135	141	150	165	187	204	217	222
Depreciation	7	6	7	7	9	7	8	9	9
	146	114	138	138	159	141	157	150	177
Tax %	20.81%	22.19%	22.47%	22.24%	20.07%	22.02%	22.69%	22.09%	19.67%
Net Profit	0	89	107	107	127	110	122	117	142
	15	11	14	14	16	14	15	15	18

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
	494	710	903	1,103	1,304	1,609	2,018	2,018
	161	187	225	273	350	441	533	534
Operating Profit	333	523	678	831	954	1,168	1,485	1,484
OPM %	67.43%	73.62%	75.09%	75.28%	73.15%	72.59%	73.60%	73.52%
	1	1	1	2	1	2	3	3
Interest	194	256	357	460	479	593	830	828
Depreciation	6	10	20	21	24	29	33	33
Profit before Tax	134	258	302	353	453	548	625	625
Tax %	30.70%	31.73%	17.52%	18.05%	21.54%	21.66%	21.54%	21.54%
Net Profit	93	176	249	289	355	430	491	491
EPS	15.23	23.10	31.48	36.54	44.81	54.26	62.00	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 23%
3 Years:: 22%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 23%
3 Years:: 19%

STOCK PRICE CAGR

10 Years:: —
5 Years:: -12%
3 Years:: -9%
1 Year:: -20%

RETURN ON EQUITY

10 Years:: —
5 Years:: 14%
3 Years:: 14%
Last Year:: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	69	78	78	79	79	79	79
	1,088	1,751	2,008	2,304	2,696	3,146	3,643
	2,738	3,654	5,354	6,370	8,002	9,876	12,391
Trade Payables	9	10	17	3	4	9	31
	136	134	199	204	237	299	376
Total Liabilities	4,040	5,627	7,657	8,959	11,017	13,410	16,519
	18	23	60	58	66	78	116
	0	0	0	0	53	111	182
	0	0	0	0	0	0	12
Cash & Bank	569	684	1,197	1,125	1,546	1,393	1,798
	3,452	4,920	6,400	7,776	9,353	11,828	14,411
Total Assets	4,040	5,627	7,657	8,959	11,017	13,410	16,519

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	-891	-1,208	-1,111	-1,017	-1,060	-1,831	-1,987
Cash from Investing	-218	-327	-342	-265	-463	196	-647
Cash from Financing	1,240	1,404	1,705	1,008	1,623	1,858	2,477
	90	-198	191	-328	26	130	-156

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	26.47	26.47	26.47	26.47	48.96	48.96	48.95	48.88	48.88
	35.88	35.50	33.97	29.67	29.77	25.88	24.72	16.74	16.28
	24.39	25.55	24.98	10.75	11.52	14.13	14.29	22.13	22.14
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	13.25	12.48	14.57	33.11	9.75	11.02	12.04	12.25	12.70

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-08 - Aavas Financiers Limited has informed the Exchange about Intimation of Investor(s)/Analyst(s)/Meet/Call/ Conference Scheduled to be held on September 11, 2026 & September 17, 2026.

2026-09-04

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-04 - Aavas Financiers Limited has informed the Exchange about Intimation of Investor(s)/Analyst(s) Meet/Call Scheduled to be held on Thursday, September 10, 2026.

2026-09-02

Issue of Securities

2026-09-02 - Aavas Financiers Limited has informed the Exchange about Outcome of Executive Committee Meeting of Board of Directors of the Company and Disclosure under Regulation 30 and 51 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

2026-09-02

Outcome of Board Meeting

2026-09-02 - Aavas Financiers Limited has informed the Exchange regarding Outcome of Executive Committee Meeting of Board of Directors of the Company and Disclosure under Regulation 30 and 51 of Securities and Exchange Board of India (Listing Obligation and Disclosure Requirement) Regulations, 2015

2026-08-25

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-25 - Aavas Financiers Limited has informed the Exchange about Intimation of Investor(s)/Analyst(s) Meet/Call Scheduled to be held on August 31, 2026 & September 09, 2026.

2026-08-25

Copy of Newspaper Publication

2026-08-25 - Aavas Financiers Limited has informed the Exchange about Copy of Newspaper Publication regarding 16th Annual General Meeting to be held on September 16, 2026 and E-Voting Information.

2026-08-24

General Updates

2026-08-24 - Aavas Financiers Limited has informed the Exchange about Letter sent to Shareholders of the Company whose E-mail address are not registered with the Company/ RTA/ Depository Participant(s), providing the web-link and exact path, where the Annual Report for the Financial Year 2025-26 can be accessed.

2026-08-24

Shareholders meeting

2026-08-24 - Aavas Financiers Limited has informed the Exchange regarding Notice of the 16th Annual General Meeting of the Company and Annual Report for the Financial Year 2025-26.

2026-08-20

Allotment of Securities

2026-08-20 - Aavas Financiers Limited has informed the Exchange regarding allotment of 4301 shares, under PSOP scheme of the Company.

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