NSE / BSEFinancial Services
β‚Ή1375.40-14.85-1.07%
P/E19.0Mkt Capβ‚Ή11.46 K CrEV/EBITDA0.0

AAVAS Financiers Limited

P/E19.0Mkt Capβ‚Ή11.46 K CrEV/EBITDA0.0
Company Profile

Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India. The company offers home loans for flats, houses, and bungalows, as well as resale properties; home construction loans for self-construction of residential house; and home improvement loans, including loans for tiling or flooring, plaster or painting, etc. It also provides loans against property; micro, small, and medium enterprise loans; and home loan balance transfer, as well as cash salaried plus loans and small ticket size loan. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in May 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.

Valuation

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–Ό 23.77% over 1Y
Monthly Returns

Historically, Jun has averaged the highest return (+9.1%); Oct the lowest (-5.3%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-0.6%Neutral MonthJan 2026: -0.60%-11.7%Negative MonthFeb 2026: -11.72%-16.0%Negative MonthMar 2026: -16.04%+27.8%Positive MonthApr 2026: +27.79%+1.5%Neutral MonthMay 2026: +1.46%+8.8%Positive MonthJun 2026: +8.80%-9.6%*Negative MonthJul 2026: -9.63%β€”β€”β€”β€”β€”
2025+1.9%Neutral MonthJan 2025: +1.90%-1.5%Neutral MonthFeb 2025: -1.46%+23.8%Positive MonthMar 2025: +23.76%-7.0%Negative MonthApr 2025: -7.00%-5.2%Negative MonthMay 2025: -5.17%+13.6%Positive MonthJun 2025: +13.62%-17.6%Negative MonthJul 2025: -17.62%-11.7%Negative MonthAug 2025: -11.75%+7.4%Positive MonthSep 2025: +7.45%+1.0%Neutral MonthOct 2025: +1.00%-6.2%Negative MonthNov 2025: -6.18%-5.4%Negative MonthDec 2025: -5.40%
2024-3.6%Negative MonthJan 2024: -3.61%-1.5%Neutral MonthFeb 2024: -1.53%-9.5%Negative MonthMar 2024: -9.54%+23.2%Positive MonthApr 2024: +23.22%-1.2%Neutral MonthMay 2024: -1.19%+15.7%Positive MonthJun 2024: +15.67%-9.6%Negative MonthJul 2024: -9.57%+2.7%Positive MonthAug 2024: +2.72%+5.5%Positive MonthSep 2024: +5.50%-8.0%Negative MonthOct 2024: -7.98%-0.0%Neutral MonthNov 2024: -0.03%+0.5%Neutral MonthDec 2024: +0.54%
2023-1.9%Neutral MonthJan 2023: -1.95%+1.0%Neutral MonthFeb 2023: +1.05%-12.2%Negative MonthMar 2023: -12.17%-13.6%Negative MonthApr 2023: -13.57%+0.8%Neutral MonthMay 2023: +0.78%+9.8%Positive MonthJun 2023: +9.84%+4.6%Positive MonthJul 2023: +4.63%+1.5%Neutral MonthAug 2023: +1.53%+6.5%Positive MonthSep 2023: +6.50%-18.9%Negative MonthOct 2023: -18.93%+2.2%Positive MonthNov 2023: +2.20%+6.4%Positive MonthDec 2023: +6.39%
2022+10.0%Positive MonthJan 2022: +10.01%-2.7%Negative MonthFeb 2022: -2.70%-8.2%Negative MonthMar 2022: -8.24%-10.7%Negative MonthApr 2022: -10.72%-3.0%Negative MonthMay 2022: -3.01%-9.3%Negative MonthJun 2022: -9.34%+18.5%Positive MonthJul 2022: +18.45%-4.6%Negative MonthAug 2022: -4.58%-1.5%Neutral MonthSep 2022: -1.54%-10.3%Negative MonthOct 2022: -10.31%-4.6%Negative MonthNov 2022: -4.65%-3.7%Negative MonthDec 2022: -3.72%
2021β€”β€”β€”β€”β€”+16.2%Positive MonthJun 2021: +16.25%-6.2%Negative MonthJul 2021: -6.20%-4.5%Negative MonthAug 2021: -4.51%+6.3%Positive MonthSep 2021: +6.27%+9.5%Positive MonthOct 2021: +9.51%+0.2%Neutral MonthNov 2021: +0.23%-7.1%Negative MonthDec 2021: -7.06%
AvgΒ±SD+1.2%Β±4.8%-3.3%Β±4.4%-4.4%Β±14.4%+3.9%Β±17.8%-1.4%Β±2.4%+9.1%Β±8.7%-3.3%Β±11.8%-3.3%Β±5.2%+4.8%Β±3.2%-5.3%Β±9.8%-1.7%Β±3.2%-1.9%Β±4.8%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 0.939x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή Crores)

Revenue (10Y)

Operating Income (10Y)

Net Profit (10Y)

Operating Margin % (10Y)

Dividend Payout % (10Y)

Free Cash Flow (10Y)

Growth Summary

Latest fiscal year: Mar 2025

Revenueβ‚Ή2.35 K Crβ–² 16.7%
EBITDA Growthβ€”
Net Profitβ‚Ή574.00 Crβ–² 16.9%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 94.2%
Revenue CAGR 5Y17.5%
EBITDA CAGR 5Y24.6%
Net Profit CAGR 5Y14.5%
NP Growth 1Y16.9%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή2.35 K Crβ€”β‚Ή574.00 Crβ€”β€”β€”16.7%16.9%
Mar 2024β‚Ή2.02 K Crβ€”β‚Ή491.00 Crβ€”β€”β€”25.5%14.2%
Mar 2023β‚Ή1.61 K Crβ€”β‚Ή430.00 Crβ€”β€”β€”23.3%20.4%
Mar 2022β‚Ή1.30 K Crβ€”β‚Ή357.00 Crβ€”β€”β€”18.2%23.1%
Mar 2021β‚Ή1.10 K Crβ€”β‚Ή290.00 Crβ€”β€”β€”22.3%16.5%
Mar 2020β‚Ή902.00 Crβ€”β‚Ή249.00 Crβ€”β€”β€”27.0%41.5%
Mar 2019β‚Ή710.00 Crβ€”β‚Ή176.00 Crβ€”β€”β€”43.7%89.2%
Mar 2018β‚Ή494.00 Crβ€”β‚Ή93.00 Crβ€”β€”β€”62.0%63.2%
Mar 2017β‚Ή305.00 Crβ€”β‚Ή57.00 Crβ€”β€”β€”59.7%72.7%
Mar 2016β‚Ή191.00 Crβ€”β‚Ή33.00 Crβ€”β€”β€”83.7%73.7%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue541041913054947109021,1031,3041,6082,0182,3552,528
Finance Costs3053971431932553564584785918281,0071,070
Total Expenses14214372161188225273349441535582649
Financing Profit10305190139266321372477576654765808
Financing Margin %18%29%27%29%28%38%36%34%37%36%32%32%32%
Other Income0000111212343
Depreciation & Amortisation011361020212429333639
Profit Before Tax9295088134258302353455549624733772
Tax %33%34%34%35%31%32%18%18%22%22%21%22%-
Net Profit / PAT619335793176249290357430491574603
EPS (β‚Ή)2.125.808.549.8213.4622.5231.8136.8845.2054.416272.5376.22
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
AAVAS Financiers Limitedthis co.β‚Ή11.46 K Crβ‚Ή2.35 K Cr19.002.450.0016.7%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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