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Aavas Financiers Ltd

AAVAS Share Price

1,736.400.00% (+0.00)
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With a market cap of ₹13,746 cr, stock is ranked 465

Stock is 2.43x as volatile as Nifty

AAVAS Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Avg

The stock has a moderate number of red flags

How to use scorecard? Learn more

With a market cap of ₹13,746 cr, stock is ranked 465

Stock is 2.43x as volatile as Nifty

AAVAS Performance & Key Metrics

AAVAS Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
22.793.15
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.002.440.97%

AAVAS Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
74%
Analysts have suggested that investors can buy this stock

from 19 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

AAVAS Company Profile

Aavas Financiers is a housing finance company, engaged in providing home loans to the customers belonging to low and middle income segment in semi urban and rural areas

Investor Presentation

View older View older 

Nov 11, 2025

PDF
View Older Presentations

AAVAS Similar Stocks (Peers)

Compare with peers Compare with peers 

AAVAS Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
5.74
5.74
1Y Return
6.42%
6.42%
Buy Reco %
52.00
52.00
PE Ratio
12.28
12.28
1Y Return
1.31%
1.31%
Buy Reco %
75.00
75.00
PE Ratio
-8.03
-8.03
1Y Return
33.34%
33.34%
Buy Reco %
0.00
0.00
PE Ratio
19.14
19.14
1Y Return
9.43%
9.43%
Buy Reco %
85.71
85.71
PE Ratio
31.68
31.68
1Y Return
13.63%
13.63%
Buy Reco %
73.33
73.33
Compare with Peers

AAVAS Sentiment Analysis

AAVAS Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

AAVAS Stock Summary · August 2025

In Q1FY26, the company demonstrated resilience amid operational challenges by transitioning to a realization-based disbursement model, which, while initially impacting disbursement timing, is expected to yield positive results in the coming quarters. Strong underlying housing demand, evidenced by a 17% increase in logins and a 16% growth in disbursements, reflects a robust market sentiment, particularly in the self-employed segment, bolstered by government initiatives. Management's strategic focus on enhancing asset quality and maintaining a disciplined underwriting process has resulted in low non-performing assets, despite regional variations in delinquency rates. The commitment to technological advancements has improved operational efficiency, reducing turnaround times significantly, while a proactive risk management framework positions the company for sustainable growth and profitability. Overall, the outlook remains optimistic, with expectations of achieving full-year growth of 18% to 20% in Assets Under Management.

AAVAS Stock Growth Drivers
AAVAS Stock Growth Drivers
7
  • Transition to New Promoter and Governance Improvements

    The company successfully transitioned to CVC Capital Partners as a new promoter, reflecting confidence in

  • Strong Demand Indicators

    The company reported a 17% year-over-year increase in logins volume, indicating robust housing demand. Disbursement

AAVAS Stock Challenges
AAVAS Stock Challenges
5
  • Deterioration in Asset Quality

    There has been a notable deterioration in asset quality, highlighted by a 76-basis point quarter-over-quarter

  • Impact of Operational Changes on Disbursements

    The shift to a realization-based disbursement model has adversely affected the company's financial performance. This

AAVAS Forecast

AAVAS Forecasts

Price

Revenue

Earnings

AAVAS

AAVAS

Income

Balance Sheet

Cash Flow

AAVAS Income Statement

AAVAS Income Statement

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 21.17%, vs industry avg of 2.12%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 0.55% to 3.64%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue305.49494.45710.97903.091,105.331,305.561,610.142,020.302,358.422,530.79
Raw Materialssubtract1,719.74
Power & Fuel Costsubtract
Employee Costsubtract43.05111.54117.24147.07172.14232.24300.59355.91377.76
Selling & Administrative Expensessubtract
Operating & Other expensessubtract172.12242.97326.31434.41559.26594.70731.841,007.281,211.62
Depreciation/Amortizationsubtract2.775.639.7219.5620.6023.7628.7232.6636.4539.06
Interest & Other Itemssubtract
Taxes & Other Itemssubtract30.4241.2181.7852.9263.8398.06118.92133.76158.48168.70
EPS11.7614.4723.7631.8536.9245.3254.4462.0472.5476.22
DPS0.000.000.000.000.000.000.000.000.000.00
Payout ratio0.000.000.000.000.000.000.000.000.000.00

AAVAS Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual Report Pending

Investor Presentation

Nov 11PDF
Aug 12PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Apr 24PDF
Jan 30PDF
Nov 7PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Aug 3PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 3PDF
Feb 3PDF
Feb 2PDF
Oct 20PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
 

AAVAS Stock Peers

AAVAS Past Performance & Peer Comparison

AAVAS Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsHome Financing

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Aavas Financiers Ltd23.943.15
LIC Housing Finance Ltd5.740.861.76%
PNB Housing Finance Ltd12.281.410.55%
Sammaan Capital Ltd-8.030.661.12%

AAVAS Stock Price Comparison

Compare AAVAS with any stock or ETF
Compare AAVAS with any stock or ETF
AAVAS
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AAVAS Holdings

AAVAS Shareholdings

AAVAS Promoter Holdings Trend

AAVAS Promoter Holdings Trend

Increased Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has increased by 22.49%

High Pledged Promoter Holding
Lower pledged promoter holdings is considered better

A significant proportion of promoter holdings is pledged

AAVAS Institutional Holdings Trend

AAVAS Institutional Holdings Trend

Increased Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has increased by 1.06%

Decreased Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has decreased by 3.89%

Tickertape Separator

AAVAS Shareholding Pattern

AAVAS Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding48.96%9.18%4.95%25.88%11.02%

Dec 2024

Mar 2025

Jun 2025

Sep 2025

AAVAS Shareholding History

AAVAS Shareholding History

JunSepDec '24MarJunSep35.88%35.50%33.97%29.67%29.77%25.88%

Mutual Funds Invested in AAVAS

Mutual Funds Invested in AAVAS

No mutual funds holding trends are available

Top 5 Mutual Funds holding Aavas Financiers Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.7401%1.01%0.91%29/75 (+4)
1.5219%0.80%-0.04%41/62 (+1)
1.3625%0.27%-0.02%118/252 (+20)

Compare 3-month MF holding change on Screener

AAVAS Insider Trades & Bulk Stock Deals

AAVAS Insider Trades & Bulk Stock Deals

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smallcases containing AAVAS stock

smallcases containing AAVAS stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Aavas Financiers Ltd

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Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

AAVAS's Wtg.
7.33%
7.33%
CAGR
13.51%
Private Equity Investing Theme

Private Equity Investing Theme

Created by Windmill Capital

AAVAS's Wtg.
6.67%
6.67%
CAGR
19.19%
Affordable Housing Theme

Affordable Housing Theme

Created by Windmill Capital

AAVAS's Wtg.
13.23%
13.23%
CAGR
7.90%

AAVAS Events

AAVAS Events

AAVAS Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

AAVAS has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

AAVAS Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

AAVAS has not given any dividends in last 5 years

AAVAS Dividends

AAVAS Dividends

Hmm, looks like data is unavailable here. Please come back after some time

AAVAS Stock News & Opinions

AAVAS Stock News & Opinions

Earnings
AAVAS Financiers standalone net profit rises 10.83% in the September 2025 quarter

Net profit of AAVAS Financiers rose 10.83% to Rs 163.93 crore in the quarter ended September 2025 as against Rs 147.91 crore during the previous quarter ended September 2024. Sales rose 15.17% to Rs 667.02 crore in the quarter ended September 2025 as against Rs 579.16 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Sales667.02579.16 15 OPM %74.5277.10 - PBDT221.93198.95 12 PBT211.22190.02 11 NP163.93147.91 11 Powered by Capital Market - Live

1 day agoCapital Market - Live
Corporate
AAVAS Financiers grants 17.33 lakh stock options under ESOP

AAVAS Financiers has granted 17,33,700 stock options under ESOP on 11 November 2025. Powered by Capital Market - Live

2 days agoCapital Market - Live
Corporate
AAVAS Financiers announces board meeting date

AAVAS Financiers will hold a meeting of the Board of Directors of the Company on 11 November 2025.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
AAVAS Financiers allots 5,459 equity shares under ESOP

AAVAS Financiers has allotted 5,459 equity shares under ESOP on 06 October 2025. With this allotment, the paid up equity share capital has increased to Rs. 79,16,68,120 consisting of 7,91,66,812 equity shares having a face value of Rs.10/- each. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
AAVAS Financiers AGM scheduled

AAVAS Financiers announced that the 15th Annual General Meeting(AGM) of the company will be held on 16 September 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Earnings
AAVAS Financiers standalone net profit rises 10.41% in the June 2025 quarter

Net profit of AAVAS Financiers rose 10.41% to Rs 139.23 crore in the quarter ended June 2025 as against Rs 126.10 crore during the previous quarter ended June 2024. Sales rose 15.70% to Rs 627.56 crore in the quarter ended June 2025 as against Rs 542.39 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Sales627.56542.39 16 OPM %73.2174.57 - PBDT188.46169.46 11 PBT179.12160.95 11 NP139.23126.10 10 Powered by Capital Market - Live

3 months agoCapital Market - Live
Corporate
AAVAS Financiers announces board meeting date

AAVAS Financiers will hold a meeting of the Board of Directors of the Company on 12 August 2025.Powered by Capital Market - Live

3 months agoCapital Market - Live
Corporate
AAVAS Financiers allots NCDs aggregating Rs 200 cr

AAVAS Financiers has allotted 20,000 Senior, Secured, Rated, Listed, Transferable, Redeemable Non-Convertible Debentures (NCDs) having a face value of Rs. 1,00,000 each, aggregating to Rs. 200 crore on a Private Placement basis on 26 June 2025. Powered by Capital Market - Live

4 months agoCapital Market - Live
Spotlight
AAVAS Financiers gains as board approves Rs 200 crore NCD issuance via private placement

The housing finance company announced plans to issue up to 20,000 senior, secured, rated, listed, and redeemable Non-Convertible Debentures (NCDs), each with a face value of Rs 100,000. The company added that the debentures will have tenure of 60 months and are set to be listed on the Wholesale Debt Market (WDM) segment of the BSE. Interest on the NCDs will be paid quarterly, while the principal will be repaid in 20 equal quarterly instalments of Rs 5,000 per debenture. The debentures will be secured by a first-ranking exclusive charge over the company's identified loan receivables, ensuring coverage of at least 110% of the principal and interest payable. The issuance follows shareholder approval granted at the company's 14th Annual General Meeting in August 2024. AAVAS Financiers is engaged in long-term financing activity in the domestic markets to provide housing finance. The company's standalone net profit jumped 7.75% to Rs 153.68 crore in Q4 FY25, compared with Rs 142.62 crore posted in Q4 FY24. Total revenue from operations soared 16.51% to Rs 636.21 crore in Q4 FY25 as against Rs 546.02 crore posted in Q4 FY24. Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
AAVAS Financiers receives affirmation in credit ratings

AAVAS Financiers has received reaffirmation in credit ratings at CARE AA; Stable for long term bank facilities of Rs 9662 crore and non convertible debentures of Rs 1344.11 crore. Powered by Capital Market - Live

5 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Aavas Financiers Ltd (AAVAS) today?

    The share price of AAVAS as on 13th November 2025 is ₹1736.40. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Aavas Financiers Ltd (AAVAS) share?

    The past returns of Aavas Financiers Ltd (AAVAS) share are
    • Past 1 week: 4.21%
    • Past 1 month: 4.46%
    • Past 3 months: 3.18%
    • Past 6 months: -3.59%
    • Past 1 year: 4.65%
    • Past 3 years: -13.55%
    • Past 5 years: 18.11%

  3. What are the peers or stocks similar to Aavas Financiers Ltd (AAVAS)?
  4. What is the market cap of Aavas Financiers Ltd (AAVAS) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Aavas Financiers Ltd (AAVAS) is ₹13746.53 Cr as of 13th November 2025.

  5. What is the 52 week high and low of Aavas Financiers Ltd (AAVAS) share?

    The 52-week high of Aavas Financiers Ltd (AAVAS) is ₹2234 and the 52-week low is ₹1516.90.

  6. What is the PE and PB ratio of Aavas Financiers Ltd (AAVAS) stock?

    The P/E (price-to-earnings) ratio of Aavas Financiers Ltd (AAVAS) is 23.94. The P/B (price-to-book) ratio is 3.15.

  7. Which sector does Aavas Financiers Ltd (AAVAS) belong to?

    Aavas Financiers Ltd (AAVAS) belongs to the Financials sector & Home Financing sub-sector.

  8. How to buy Aavas Financiers Ltd (AAVAS) shares?

    You can directly buy Aavas Financiers Ltd (AAVAS) shares on Tickertape. Simply sign up, connect your demat account and place your order.