AAVAS Financiers Limited
₹1,062.80-₹50.50 (-4.5%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹11,462 Cr
- P/E
- 19.0x
- Revenue
- ₹2,355 Cr
- ROCE
- 16.3%
Price chart
Technical chartScreen technicals →-36.7% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -12.4%
- 3M
- -21.9%
- 6M
- -22.9%
- 1Y
- -36.7%
- 5Y
- -61.9%
52-week range
Day change -₹50.50 (-4.5%) from ₹1,113 to ₹1,063 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in AAVAS, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 17.5%
Concerns1
- Negative free cash flow (₹1484 Cr)
Rule-based from financial data. Not advice.
About the company
Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India.
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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.
- Sector
- Financial Services
- Shares outstanding
- 7.9 Cr shares
- ISIN
- INE216P01012
- BSE code
- 541988
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹11,462 Cr
- P/E
- 19.0x
- P/B
- 2.4x
- Earnings yield
- 5.3%
- 52-week high
- ₹1,737.35
- 52-week low
- ₹1,062.80
Profitability
- ROE
- 13.2%
- ROCE
- 16.3%
- Dividend payout
- 0.0%
- Tax rate
- 21.0%
- Other income, % of PBT
- 0.5%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,355 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 16.7%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 17.5%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹3.00 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 50.0%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 16.9%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 14.5%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹2,001 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 4.2%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹9.00 Cr
Solvency and efficiency
- CFO / Net profit
- -4.08
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹24 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹1,007 Cr |
| Revenue | Expenses | ₹583 Cr |
| Revenue | Financing profit | ₹765 Cr |
| Financing profit | Depreciation | ₹36 Cr |
| Financing profit | Profit before tax | ₹729 Cr |
| Other income | Profit before tax | ₹4 Cr |
| Profit before tax | Tax and other | ₹159 Cr |
| Profit before tax | Net profit | ₹574 Cr |
Revenue and net profit
Revenue grew 16.7% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹1,103 Cr | ₹290 Cr |
| FY2022 | ₹1,304 Cr | ₹357 Cr |
| FY2023 | ₹1,608 Cr | ₹430 Cr |
| FY2024 | ₹2,018 Cr | ₹491 Cr |
| FY2025 | ₹2,355 Cr | ₹574 Cr |
Cash flows
FY2025: -₹1,660 Cr from operations, -₹1,484 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹1,071 Cr | -₹1,336 Cr |
| FY2022 | -₹1,136 Cr | -₹1,603 Cr |
| FY2023 | -₹1,920 Cr | -₹1,724 Cr |
| FY2024 | -₹2,001 Cr | -₹2,647 Cr |
| FY2025 | -₹1,660 Cr | -₹1,484 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹2,355 Cr+16.7%1Y
- Net profit
- ₹574 Cr+16.9%1Y
- Cash from operations
- -₹1,660 Cr
- Free cash flow
- -₹1,484 Cr
- Revenue CAGR, 5Y
- 17.5%
- EBITDA CAGR, 5Y
- 24.6%
- Net profit CAGR, 5Y
- 14.5%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹2,355 Cr | ₹765 Cr | — | ₹574 Cr | -₹1,660 Cr | -₹1,484 Cr | — | +16.7% | +16.9% |
Monthly returns
Month-by-month returns of AAVAS across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹18,618 Cr |
| Equity capital | ₹79 Cr |
| Reserves | ₹4,282 Cr |
| Borrowings | ₹13,918 Cr |
| Other liabilities | ₹339 Cr |
| Assets | ₹18,618 Cr |
| Fixed assets | ₹134 Cr |
| Capital work in progress | ₹10 Cr |
| Investments | ₹230 Cr |
| Other assets | ₹18,244 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
AAVAS trades at 19.0x earnings against a peer median of 26.9x (a 29% discount).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| AAVAS Financiers LimitedAAVASthis companyP/E ↓ discount | ₹11,462 Cr | 19.0x | 2.4x | 13.2% | — |
| Can Fin Homes Ltd.CANFINHOME | ₹11,907 Cr | 12.9x | 2.2x | 16.9% | — |
| Sammaan Capital LimitedSAMMAANCAP | ₹11,756 Cr | 10.2x | 0.5x | 4.1% | — |
| IIFL CAPITAL SERVICES LIMITEDIIFLCAPS | ₹11,514 Cr | 23.7x | 4.6x | 27.2% | 11.8x |
| Home First Finance Company India LimitedHOMEFIRST | ₹11,350 Cr | 25.1x | 2.8x | 15.2% | — |
| Ujjivan Small Finance Bank LimitedUJJIVANSFB | ₹11,203 Cr | 26.9x | 1.8x | 11.9% | — |
| SBFC Finance LimitedSBFC | ₹11,185 Cr | 28.5x | 3.2x | 10.8% | — |
| Jammu and Kashmir Bank Ltd.J&KBANK | ₹11,044 Cr | 5.3x | 0.7x | 14.6% | — |
| South Indian Bank Ltd.SOUTHBANK | ₹10,584 Cr | 7.8x | 1.0x | 12.9% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
AAVAS since 1 January, against earlier years.
Historical volatility
AAVAS's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 34.0% |
| FY2022 | 37.0% |
| FY2023 | 36.0% |
| FY2024 | 32.0% |
| FY2025 | 32.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹2,355 Cr |
| Costs | |
| Interest | ₹1,007 Cr |
| Expenses | ₹582 Cr |
| Financing profitFinancing Profit | ₹765 Cr |
| Financing marginFinancing Margin % | 32.0% |
| Other income and charges | |
| Profit before tax | ₹733 Cr |
| Tax | |
| Net profitNet Profit | ₹574 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹18,618 Cr |
| Equity capitalEquity Capital | ₹79 Cr |
| Reserves | ₹4,282 Cr |
| BorrowingsBorrowing | ₹13,918 Cr |
| Other liabilitiesOther Liabilities | ₹339 Cr |
| AssetsTotal Assets | ₹18,618 Cr |
| Fixed assetsFixed Assets | ₹134 Cr |
| Capital work in progressCWIP | ₹10 Cr |
| Investments | ₹230 Cr |
| Other assetsOther Assets | ₹18,244 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹1,660 Cr |
| Investing cash flowCash from Investing Activity | ₹176 Cr |
| Financing cash flowCash from Financing Activity | ₹1,475 Cr |
| Change in cashNet Cash Flow | -₹9 Cr |
Learn while you research
Academy chapters picked for AAVAS Financiers Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read