AAVAS Financiers Ltd (AAVAS)
₹1,293.50
Mkt cap
₹10,357 Cr
P/E ratio
15.10
P/B
2.03
Div yield
0.00%
ROE
13.90%
ROCE
9.92%
EPS (TTM)
₹85.66
Book value
₹637
52W range
1,074–1,736
Sector
Financial Services
Price history
Previous close
Incorporated in 2011, Aavas Financiers Ltd provides housing loans & advances [1]
NSE AAVASBSE 541988
Health check
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsNeutral
52-week range
−25.51% from high₹1,294
₹1,074+20.45% from low₹1,736
Current
₹1,293.50
Prev close
₹1,306.60
Day
−1.00%
Price performance
1D
−1.00%
1W
+3.61%
1M
−7.87%
3M
−0.47%
6M
+5.60%
1Y
−15.36%
YTD
−10.39%
Financials
Revenue, profit & margin
P/E ratio
15.1×
AAVAS is 15% above the sector median of 13.1×
AAVAS15.1×
Sector median13.1×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 467 | 497 | 508 | 546 | 542 | 579 | 597 | 636 | 628 | 667 | 674 | 715 | 709 | |
| Interest | 187 | 204 | 217 | 222 | 235 | 249 | 259 | 265 | 271 | 276 | 274 | 273 | 293 | |
| 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 | |
| Financing 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 | |
| Depreciation | 7 | 8 | 9 | 9 | 9 | 9 | 9 | 10 | 9 | 11 | 11 | 12 | 11 | |
| Profit before tax | 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 | 18.50 | 19.42 | 17.59 | 20.71 | 21.48 | 22.91 | 21.60 | |
| Gross NPA % | 1.00% | 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% | |
| Raw PDF |
Earnings
Results 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
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Jun 202648.88%Promoter
Promoters48.88%
FIIs16.28%0.46
DIIs22.15%
Public12.69%0.45
Ownership trend
Peers
8 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 |
|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹84.04 | 25.91 | 70,025 | 0.00% | 715 | +22.63% | 3,063 | +17.10% | 8.85% |
| PIRAMALFIN | ₹2,261.00 | 119.18 | 53,502 | 0.49% | 461 | +66.80% | 3,368 | +27.62% | 6.47% |
| PNBHOUSING | ₹1,182.10 | 13.12 | 30,830 | 0.68% | 555 | +4.28% | 2,253 | +9.14% | 9.44% |
| LICHSGFIN | ₹552.00 | 5.29 | 30,363 | 1.81% | 1,499 | +9.90% | 7,083 | −1.44% | 8.59% |
| AADHARHFC | ₹478.95 | 18.20 | 20,988 | 0.00% | 282 | +19.00% | 993 | +17.06% | 11.38% |
| SAMMAANCAP | ₹155.92 | — | 18,111 | 0.00% | 243 | −27.22% | 1,652 | −31.18% | 4.92% |
| HOMEFIRST | ₹1,233.70 | 22.19 | 12,900 | 0.42% | 160 | +34.45% | 538 | +18.61% | 11.13% |
| AAVAS | ₹1,306.20 | 15.08 | 10,357 | 0.00% | 171 | +23.01% | 709 | +12.93% | 9.92% |
| Median: 14 Co. | ₹515.48 | 13.12 | 12,883 | 0.58% | 252 | +19.79% | 851 | +14.16% | 9.68% |
Filings
Annual reports14
Concall transcripts80
TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026TranscriptNov 2025PPTNov 2025TranscriptAug 2025PPTAug 2025RECAug 2025TranscriptApr 2025PPTApr 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptNov 2024PPTNov 2024RECNov 2024TranscriptJul 2024PPTJul 2024TranscriptApr 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 4 Sep - AAVAS Financiers to hold investor meetings on September 10, 2026 in Mumbai.Announcement under Regulation 30 (LODR)-Raising of Funds 2 Sep - AAVAS approved up to Rs 100 crore NCD issue on private placement; 60-month tenor.Board Meeting Outcome for Outcome Of Executive Committee Meeting Of Board Of The Company Held On September 02, 2026 2 Sep - Executive committee approved up to Rs 100 crore NCD issue on private placement, 60-month tenor.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 25 Aug - Intimation of Investor(s)/Analyst(s) Meet/Call Scheduled to be held on August 31, 2026 & September 09, 2026.Announcement under Regulation 30 (LODR)-Newspaper Publication 25 Aug - Submission of copy of Newspaper Publication regarding 16th Annual General Meeting to be held on September 16, 2026 and E-voting Information.