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Aavas Financiers Ltd.

•
aavas.inBSE: 541988NSE: AAVAS
Market Cap₹ 10,111 Cr.
Current Price
High / Low₹ 1,772 / 1,060
Stock P/E14.7
Book Value₹ 649
Price to Book1.72
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

  • 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%
  • Company has delivered good sales growth of 19.5% CAGR over last 5 years

CONS

  • Company has a low return on capital employed of 10.0%
  • 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 MKTNIFTY 500NIFTY SMLCAP 250
S.No.Name
1.BAJAJHFL84.16673.2470124.930.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2256.3031.6553390.900.49460.98—3368.2733.527.7464.47
3.HUDCO172.708.1234572.813.50851.1135.053717.1727.108.4197.08
4.LICHSGFIN562.555.3930943.791.781499.039.907082.59-1.168.5997.06
5.PNBHOUSING1175.0013.2430644.460.68557.344.472263.449.029.4191.52
6.AADHARHFC456.3517.5319997.560.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP147.450.0017171.390.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS249.3012.6812485.701.81260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1184.6521.3112386.640.441598.511244.525380.111086.0511.1377.98
10.CANFINHOME781.059.2110400.041.92267.8219.631096.157.439.1491.29
11.AAVAS1275.1020.6110110.820.00142.4812.34546.0221.429.9774.58
12.INDIASHLTR652.0514.157118.251.53137.5927.24408.2324.7312.9673.07
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
467497508546542579597636628667674715709
132130134139138133142170168170170199489
Operating Profit335367374407404447455466459497504516523
OPM %71.67%73.89%73.58%74.61%74.57%77.10%76.27%73.32%73.21%74.52%74.83%72.20%73.85%
Other Income0111011100000
Interest187204217222235249259265271276274273293
Depreciation789999910911111211
141157150177161190188193179211219231220
Tax %22.01%22.24%22.10%19.65%21.65%22.17%22.28%20.47%22.27%22.39%22.47%21.27%22.19%
Net Profit110122117143126148146154139164170182171
1415151816191819182121232

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
3054947109021,1031,3041,6082,0172,3552,6832,765
831611872242723484405335807071,027
Operating Profit2223335236788319561,1681,4841,7741,9771,737
OPM %72.89%67.44%73.61%75.13%75.36%73.33%72.65%73.58%75.36%73.66%62.84%
81112123441
Interest1401942563574604795938301,0091,0971,116
Depreciation36102021242933364345
Profit before Tax88134258302353455549624733840881
Tax %34.74%30.69%31.74%17.52%18.07%21.56%21.66%21.42%21.63%22.08%22.07%
Net Profit5793176249289357430491574655687
EPS11.1015.2423.0831.4936.6245.0254.3262.0072.5382.60—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
30%
5 Years:
19%
3 Years:
19%

COMPOUNDED PROFIT GROWTH

10 Years:
35%
5 Years:
18%
3 Years:
15%

STOCK PRICE CAGR

10 Years:
—
5 Years:
-12%
3 Years:
-8%
1 Year:
-21%

RETURN ON EQUITY

10 Years:
13%
5 Years:
14%
3 Years:
14%
Last Year:
14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital58697878797979797979
5081,0881,7512,0082,3052,6993,1463,6434,2194,895
1,7942,7383,6545,3546,3708,0029,87612,39813,90315,668
Trade Payables0991734931511
91136134199204238300369412559
Total Liabilities2,4514,0405,6277,6578,96011,02013,41116,51918,61821,213
10182360586678116134169
1444468123182230271
0000000121115
Cash & Bank2765656791,1921,1211,5301,3821,7891,5601,843
2,1643,4524,9206,4007,7769,35611,82714,42016,68418,915
Total Assets2,4514,0405,6277,6578,96011,02013,41116,51918,61821,213

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-566-891-1,208-1,111-1,017-1,061-1,827-2,001-1,660-1,386
Cash from Investing-15-218-327-342-265-467196-646176-117
Cash from Financing6401,2401,4041,7051,0081,6231,8582,4911,4751,720
3490-199191-32820134-156-9217

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
26.4726.4726.4726.4748.9648.9648.9548.8848.88
35.8835.5033.9729.6729.7725.8824.7216.7416.28
24.3925.5524.9810.7511.5214.1314.2922.1322.14
Government0.000.000.000.000.000.000.000.000.00
13.2512.4814.5733.119.7511.0212.0412.2512.70

Documents

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

2026-09-11
Allotment of Securities

2026-09-11 - Aavas Financiers Limited has informed the Exchange regarding Intimation of allotment of Non Convertible Securities by Executive Committee of Board of Directors of the Company.

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.

News

Recent coverage and analyst commentary for AAVAS

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