Avsar.

Financial Services · Housing Finance Company

AAVAS Financiers Ltd (AAVAS)

₹1,062.90

Mkt cap
₹8,428 Cr
P/E ratio
12.00
P/B
1.56
Div yield
0.00%
ROE
13.90%
ROCE
9.92%
EPS (TTM)
₹88.58
Book value
₹681
52W range
1,055–1,772
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
TechnicalsBearish
52-week range
−40.01% from high
₹1,063
₹1,055+0.72% from low₹1,772
Current
₹1,062.90
Prev close
₹1,111.60
Day
−4.38%
Price performance
1D
−4.82%
1W
−5.04%
1M
−15.25%
3M
−22.35%
6M
−23.45%
1Y
−36.58%
YTD
−26.36%

Financials

Revenue, profit & margin
P/E ratio
12.0×
AAVAS is 2% above the sector median of 11.8×
AAVAS12.0×
Sector median11.8×
 Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026Trend
Revenue497508546542579597636628667674715709736
Interest204217222235249259265271276274273293305
Expenses130134139138133142170168170170199185184
Financing Profit163157186169198196202188222230243231247
Financing Margin %33%31%34%31%34%33%32%30%33%34%34%33%34%
Other Income1110111000000
Depreciation8999991091111121112
Profit before tax157150177161190188193179211219231220236
Tax %22%22%20%22%22%22%20%22%22%22%21%22%23%
Net Profit122117143126148146154139164170182171182
EPS in Rs15.3814.7418.0215.9318.6918.5019.4217.5920.7121.4822.9121.6022.89
Gross NPA %1.04%1.09%0.94%1.01%1.08%1.14%1.08%1.22%1.24%1.19%1.05%1.11%1.11%
Net NPA %0.76%0.79%0.67%0.72%0.78%0.81%0.73%0.84%0.85%0.79%0.68%0.71%0.70%
Raw PDF

Earnings

Results dates & reactions
No upcoming results date on calendar.

Fresh quarters land in the Financials table above, tagged NSE until screener catches up.

Avg earnings-day move −0.62% · closed higher next day 12 of last 33
 Q3FY24Q4FY24Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26Q1FY27Q2FY27
Broadcast1 Feb '24◦25 Apr '24◦25 Jul '24◦7 Nov '24◦30 Jan '25◦24 Apr '25◦12 Aug '25◦11 Nov '25◦5 Feb '26◦5 May '26◦21 Jul '26◦26 Oct '26◦
Earnings day−1.38%+0.29%−1.76%−2.55%+0.53%−2.77%−2.58%+5.24%−5.66%−0.72%−5.11%+1.01%
+1 day−4.41%+0.89%−2.69%−2.91%−0.90%−4.99%−4.02%+7.24%−3.73%−1.81%−8.92%−0.89%
+5 days−6.40%−2.55%−5.89%−3.79%+1.20%−13.54%−5.24%+1.48%−6.73%−2.82%−8.83%—
+15 days−2.47%−1.51%−6.54%−1.65%−0.80%−14.63%−7.89%−9.48%−6.81%−5.31%−6.93%—
+30 days−8.41%+8.09%+3.45%−2.16%+12.09%−7.61%−8.84%−6.63%−22.15%+1.51%−17.28%—
FilingXBRLXBRLXBRLXBRLXBRLXBRLXBRLXBRLXBRLXBRLXBRLXBRL

Corporate actions

Last 6 months

No recent corporate actions

Dividends, splits, and bonuses in the last six months show up here.

Results analysis

Shareholding

as of Sep 2026
48.88%Promoter
Promoters48.88%
FIIs15.20%1.08
DIIs22.40%0.25
Public13.53%0.84
Ownership trend

Peers

8 companies
Valuation vs quality
P/E × ROCE · bubble = market cap
NameCMPP/EMkt CapDiv YldNP QtrQtr Profit VarSales QtrQtr Sales VarROCE
Bajaj Housing₹77.4222.9064,5090.00%757+17.73%3,251+18.29%8.85%
Piramal Finance.₹1,817.0074.4142,9960.61%545+32.08%3,659+27.43%6.47%
PNB Housing₹1,060.0011.7627,6450.75%617+6.01%2,423+13.88%9.40%
LIC Housing Fin.₹493.704.6127,1572.03%1,507+11.65%7,194+0.21%8.59%
Aadhar Hsg. Fin.₹420.1015.9718,4170.00%282+19.00%993+17.06%11.38%
Sammaan Capital₹116.74—13,5600.00%243−27.22%1,652−31.18%4.92%
Home First Finan₹1,072.0018.0911,2100.49%170+29.08%567+18.79%11.13%
AAVAS Financiers₹1,062.9011.968,4280.00%182+10.73%736+10.39%9.92%
Median: 14 Co.₹456.9011.7610,3960.68%252+18.37%865+14.63%9.66%

Filings

Annual reports14
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022Annual Report 2021Annual Report 2020Annual Report 2019Annual Report 2018Annual Report 2017Annual Report 2016Annual Report 2015Annual Report 2014Annual Report 2013
Concall transcripts82
PPTOct 2026RECOct 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026TranscriptNov 2025PPTNov 2025TranscriptAug 2025PPTAug 2025RECAug 2025TranscriptApr 2025PPTApr 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptNov 2024PPTNov 2024RECNov 2024TranscriptJul 2024
Credit ratings6
Rating update 28 SepcareRating update 1 JulcareRating update 30 JunicraRating update 2 AprcareRating update 13 MaricraRating update 25 Febfitch
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 28 Oct - Intimation of Investor(s) / Analyst(s) meet scheduled to be held on November 02, 2026.Announcement under Regulation 30 (LODR)-Newspaper Publication 27 Oct - Copies of Newspaper Clipping of Unaudited Financial Results for the Quarter and Half Year ended September 30, 2026Audio Recording Of Earnings Conference Call For The Quarter And Half Year Ended September 30, 2026 26 Oct - Audio recording of Q2 and half-year 2026 earnings conference call made available on company website.Intimation Under Regulation 30 And 51 Of SEBI LODR Regulations, 2015 26 Oct - IRDAI granted AAVAS Financiers corporate agent registration effective December 8, 2026.Announcement under Regulation 30 (LODR)-Change in Directorate 26 Oct - Board accepted Soumya Rajan and Ramachandran Venkatesh resignations, appointed Anjali Seth and Bharat Thakkar effective October 27, 2026.