AAVAS Financiers Ltd (AAVAS)
₹1,379.00
Mkt cap
₹11,897 Cr
P/E ratio
18.20
P/B
2.16
Div yield
0.00%
ROE
13.90%
ROCE
9.92%
EPS (TTM)
₹75.77
Book value
₹637
52W range
1,074–1,928
Sector
Financial Services
Incorporated in 2011, Aavas Financiers Ltd provides housing loans & advances [1]
Health check
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsBearish
52-week range
−28.48% from high₹1,379
₹1,074+28.41% from low₹1,928
Current
₹1,379.00
Prev close
₹1,399.90
Day
−1.49%
Price performance
1D
−1.49%
1W
−7.91%
1M
−7.44%
3M
−2.29%
6M
−0.41%
1Y
−28.47%
YTD
−4.46%
Financials
FRevenue, profit & margin
P/E ratio
18.2×
AAVAS is 16% above the sector median of 15.7×
AAVAS18.2×
Sector median15.7×
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 450 | 467 | 497 | 508 | 546 | 542 | 579 | 597 | 636 | 628 | 667 | 674 | 715 | |
| Interest | 165 | 187 | 204 | 217 | 222 | 235 | 249 | 259 | 265 | 271 | 276 | 274 | 273 | |
| Expenses | 118 | 132 | 130 | 134 | 139 | 138 | 133 | 142 | 170 | 168 | 170 | 170 | 199 | |
| Financing Profit | 167 | 148 | 163 | 157 | 186 | 169 | 198 | 196 | 202 | 188 | 222 | 230 | 243 | |
| Financing Margin % | 37% | 32% | 33% | 31% | 34% | 31% | 34% | 33% | 32% | 30% | 33% | 34% | 34% | |
| Other Income | 1 | 0 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | |
| Depreciation | 9 | 7 | 8 | 9 | 9 | 9 | 9 | 9 | 10 | 9 | 11 | 11 | 12 | |
| Profit before tax | 159 | 141 | 157 | 150 | 177 | 161 | 190 | 188 | 193 | 179 | 211 | 219 | 231 | |
| Tax % | 20% | 22% | 22% | 22% | 20% | 22% | 22% | 22% | 20% | 22% | 22% | 22% | 21% | |
| Net Profit | 127 | 110 | 122 | 117 | 143 | 126 | 148 | 146 | 154 | 139 | 164 | 170 | 182 | |
| EPS in Rs | 16.03 | 13.87 | 15.38 | 14.74 | 18.02 | 15.93 | 18.69 | 18.50 | 19.42 | 17.59 | 20.71 | 21.48 | 22.91 | |
| Gross NPA % | 0.92% | 1.00% | 1.04% | 1.09% | 0.94% | 1.01% | 1.08% | 1.14% | 1.08% | 1.22% | 1.24% | 1.19% | 1.05% | |
| Net NPA % | 0.68% | 0.73% | 0.76% | 0.79% | 0.67% | 0.72% | 0.78% | 0.81% | 0.73% | 0.84% | 0.85% | 0.79% | 0.68% | |
| Raw PDF |
Earnings
EResults dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
No reaction history yet.
No quarterly filings ingested yet.
Corporate actions
CLast 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
Sas of Jun 202648.88%Promoter
Promoters48.88%
FIIs16.28%0.46
DIIs22.15%
Public12.69%0.45
Ownership trend
Peers
P8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Housing | ₹87.46 | 28.35 | 72,891 | 0.00% | 669 | +14.06% | 2,903 | +15.92% | 8.85% |
| Piramal Finance. | ₹2,170.00 | 207.08 | 49,189 | 0.51% | 502 | −901.31% | 3,424 | +19.99% | 6.47% |
| LIC Housing Fin. | ₹550.15 | 5.39 | 30,215 | 1.82% | 1,493 | +8.68% | 7,212 | −1.25% | 8.59% |
| PNB Housing | ₹1,104.10 | 12.56 | 28,773 | 0.72% | 656 | +19.15% | 2,182 | +7.90% | 9.40% |
| Aadhar Hsg. Fin. | ₹513.75 | 20.28 | 22,481 | 0.00% | 311 | +26.99% | 985 | +18.25% | 11.38% |
| Sammaan Capital | ₹163.53 | — | 18,982 | 0.00% | −8,101 | −594.46% | 1,358 | −35.58% | 4.92% |
| Aptus Value Hou. | ₹295.60 | 15.69 | 14,796 | 1.52% | 261 | +26.04% | 574 | +18.66% | 15.41% |
| AAVAS Financiers | ₹1,500.90 | 18.17 | 11,897 | 0.00% | 182 | +18.21% | 715 | +12.33% | 9.92% |
| Median: 14 Co. | ₹531.95 | 15.69 | 13,922 | 0.61% | 221 | +21.38% | 850 | +14.12% | 9.66% |
Filings
DAnnual reports13
Concall transcripts77
TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026TranscriptNov 2025PPTNov 2025TranscriptAug 2025PPTAug 2025RECAug 2025TranscriptApr 2025PPTApr 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptNov 2024PPTNov 2024RECNov 2024TranscriptJul 2024PPTJul 2024TranscriptApr 2024PPTApr 2024TranscriptApr 2024PPTApr 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 1d - AAVAS Financiers will hold Q1FY27 earnings call on July 21, 2026 at 6:45 PM IST.Board Meeting Intimation for Intimation Of Board Meeting Under Regulation 29 And 50 Of SEBI (LODR) Regulations, 2015 1d - Board meeting on July 21, 2026 to approve Q1 FY27 unaudited financial results.Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 7 JulCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 6 Jul - Submission of Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the Quarter ended June 30, 2026.Announcement under Regulation 30 (LODR)-Credit Rating 1 Jul - CARE placed AAVAS AA ratings on watch with developing implications on July 1, 2026.