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AAVAS Financiers Ltd

AAVAS Financiers

Mid Cap•6,075 Employees•IPO 2018
Current Price
₹1233.20
-6.9 (-0.56%)Updated
NSE :AAVAS
BSE :541988
Sector :Financial Services
Today's Range
₹1204.90
₹1233.20
union icon
₹1250.00
52 Week Range
52W Low₹1222.00
52W High₹2234.00
₹1233.20
union icon
Downside0.92%
Upside81.15%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹10,321.87 Cr
Market Cap
Total market value of company
P/E Ratio
16.47
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
2.76
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹78.47
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
7.03%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
9.91%
ROCE
Return on Capital Employed. >15% is good
Net Margin
26.62%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
17.98%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
18.93%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
21.40%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
12.30%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
3.19
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹550.93
Book Value
Net asset value per share
Dividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
49.00%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •AAVAS boasts an exceptionally high operating profit margin of 73.50%.
  • •Impressive quarterly sales growth of 21.40% indicates strong market demand.

Weaknesses

5 points
  • •High debt-to-equity ratio of 3.19 indicates significant financial leverage.
  • •Zero dividend yield may not attract income-focused investors.

Opportunities

4 points
  • •Growing housing finance sector, driven by urbanization and affordable housing initiatives.
  • •Opportunity to expand customer base in underserved semi-urban and rural markets.

Threats

5 points
  • •Intense competition from established and new players could pressure margins.
  • •Adverse regulatory changes or interest rate hikes could increase borrowing costs.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹1344.03+₹110.83+8.99%
R3₹1298.93+₹65.73+5.33%
R2₹1274.47+₹41.27+3.35%
R1₹1253.83+₹20.63+1.67%
PIVOT₹1229.37-3.83-0.31%
CURRENT₹1233.20--
S1₹1118.53-₹114.67-9.30%
S2₹1163.63-₹69.57-5.64%
S3₹1184.27-₹48.93-3.97%
S4₹1208.73-₹24.47-1.98%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
1.86L
(04 Mar 2026)
-22.5% vs avg
Delivery %
50.6%
(04 Mar 2026)
-10.5% vs avg
Avg Volume (20D)
2.40L
(04 Feb - 04 Mar)
20-day average
Avg Delivery %
61.1%
(04 Feb - 04 Mar)
Trend ↑
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Housing Finance Ltd
73,949.47 ₹ Cr
Best Profit Growth
India Shelter Finance Corporation Ltd
43.00 %
Highest Dividend Yield
GIC Housing Finance Ltd
2.81 %

Peer Comparison

Company Name
AADHARHFC
Aadhar Housing Finance Ltd
APTUS
Aptus Value Housing Finance India Ltd
BAJAJHFL
Bajaj Housing Finance Ltd
CANFINHOME
Can Fin Homes Ltd
GICHSGFIN
GIC Housing Finance Ltd
HOMEFIRST
Home First Finance Company India Ltd
IIFL
IIFL Finance Ltd
INDIASHLTR
India Shelter Finance Corporation Ltd
PNBHOUSING
PNB Housing Finance Ltd
RHFL
Reliance Home Finance Ltd
SAMMAANCAP
Sammaan Capital Ltd

About

AAVAS

AAVAS Financiers Ltd

Aavas Financiers Limited is an Indian housing finance company specializing in providing financial services to low- and middle-income self-employed individuals residing in semi-urban and rural areas across the country. The company's primary focus is on underserved markets, offering a range of financial products tailored to meet the specific needs of this demographic.

Their core product offering centers around home loans. This includes financing for the purchase of various residential properties, such as flats, houses, and bungalows, encompassing both new constructions and resale properties. Furthermore, Aavas provides home construction loans for individuals undertaking self-construction projects, allowing them to finance the entire building process. They also cater to home improvement needs, offering loans for renovations and upgrades, covering expenses such as tiling, flooring, plastering, and painting.

Beyond home loans, Aavas diversifies its portfolio by offering loans against property, including home equity loans. This allows existing homeowners to leverage their property's value for various financial needs. In addition to their residential focus, the company extends its services to the micro, small, and medium enterprise (MSME) sector, providing loans to support business growth within these segments. This diversification broadens their customer base and reduces reliance on a single product line.

Aavas also provides a home loan balance transfer facility, allowing customers to consolidate existing home loans and potentially secure better terms. They also offer Small Ticket Size loans, suggesting a commitment to catering to borrowers with smaller financial needs. This comprehensive suite of financial products demonstrates Aavas' dedication to providing accessible and flexible financing options to a broad range of customers within their target market.

Originally established as AU Housing Finance Limited in 2011 and headquartered in Jaipur, India, the company rebranded to Aavas Financiers Limited in May 2017. This rebranding likely reflects their evolving business strategy and expansion beyond their initial focus. Their operations are primarily concentrated on reaching and serving the often-overlooked self-employed population in India's semi-urban and rural regions, filling a significant gap in the financial services landscape.

COMPANY FACTS - AAVAS

Registered Address

201-202, 2nd Floor, Southend Square, Mansarovar Industrial Area

Jaipur

RAJASTHAN

IN

Tel: 911416618888

Website:https://www.aavas.in/

Investor Relations:http://www.aavas.in/investor-relations/annual-reports
Company Details

Group: Financial Services

Sector: Financials

Industry: Financial Services

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 6,075

IPO Date: 08/10/2018

MANAGEMENT - AAVAS

Mr. Sandeep Tandon

Non-Executive Independent Chairman of the Board

Mr. Ghanshyam Rawat

President, Chief Financial Officer

Mr. Ashutosh Atre

President, Chief Risk Officer

Mr. Sachinderpalsingh Bhinder

Chief Executive Officer, Managing Director, Executive Director

Mr. Anshul Bhargava

Chief People Officer

Mrs. Jijy Oommen

Chief Technology Officer

Mr. Saurabh Sharma

Compliance Officer, Company Secretary

Mr. Rajaram Balasubramaniam

Chief Strategy Officer, Head - Analytics

Mr. Ripudaman Bandral

Chief Credit Officer

Mr. Ashish Gautam

Head of Operations

Mr. Selvin Uthaman

Chief Business Officer

Mr. Ramachandran Venkatesh

Head of Internal Audit

Investor Questions Answered

AAVAS Financiers Ltd (AAVAS) Stock FAQs

Get answers to the most common questions about AAVAS Financiers Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of AAVAS Financiers Ltd (AAVAS) is ₹1,233.2. Today, the stock has declined by ₹6.90 (0.56%), trading in a range of ₹1,204.9 to ₹1,250. The stock opened at ₹1,220 with a trading volume of 1,85,722 shares.
AAVAS Financiers Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹10,321.87 crores, P/E ratio of 16.47, ROE of 7.03%, and ROCE of 9.91%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of AAVAS Financiers Ltd (AAVAS) is ₹2,234, while the 52-week low is ₹1,222. Currently trading at ₹1,233.2, the stock is 1.1% away from its 52-week low and 44.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy AAVAS Financiers Ltd stock at ₹1,233.2 depends on multiple factors. The stock is currently trading with a P/E ratio of 16.47 and P/B ratio of N/A. Today's performance shows a loss of 0.56%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
AAVAS Financiers Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹1,233.2, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
AAVAS Financiers Ltd's key financial metrics include: P/E Ratio: 16.47, P/B Ratio: N/A, ROE: 7.03%, ROCE: 9.91%, Dividend Yield: 0.00%, EPS: ₹78.47, Book Value: ₹550.93, Debt-to-Equity: 3.19, and Current Ratio: N/A. The company's market cap stands at ₹10,321.87 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
AAVAS Financiers Ltd stock opened at ₹1,220 and is currently trading at ₹1,233.2, showing a decline of ₹6.90 (0.56%). The intraday high is ₹1,250 and low is ₹1,204.9. The trading volume stands at 1,85,722 shares, indicating moderate market participation today.
AAVAS Financiers Ltd has a Price-to-Earnings (P/E) ratio of 16.47, which means investors are willing to pay ₹16.47 for every ₹1 of earnings. With an EPS of ₹78.47, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
AAVAS Financiers Ltd has a market capitalization of ₹10,321.87 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹1,233.2) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
AAVAS Financiers Ltd has a book value of ₹550.93 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹1,233.2, which is 123.8% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
AAVAS Financiers Ltd has a Return on Equity (ROE) of 7.03% and Return on Capital Employed (ROCE) of 9.91%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
AAVAS Financiers Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
AAVAS Financiers Ltd has a debt-to-equity ratio of 3.19, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
AAVAS Financiers Ltd has an Earnings Per Share (EPS) of ₹78.47, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹1,233.2 and P/E ratio of 16.47, investors are paying 16.47 times the annual earnings per share. This strong EPS indicates robust profitability. Track EPS growth over quarters to assess earnings momentum.
AAVAS Financiers Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
AAVAS Financiers Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze AAVAS Financiers Ltd stock, consider: 1) Fundamental Analysis - Review P/E (16.47), ROE (7.03%), debt-to-equity (3.19), and growth rates. 2) Technical Analysis - Check 52-week range (₹1222.00 - ₹2234.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹1233.20) with book value (₹550.93) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of AAVAS Financiers Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹1,233.2 is 12232x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in AAVAS Financiers Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹1222.00 - ₹2234.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.19 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,85,722 shares. 5) Valuation Risk - P/E of 16.47 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
AAVAS Financiers Ltd operates in the industry with key metrics: P/E ratio of 16.47, ROE of 7.03%, market cap of ₹10,321.87 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.19), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for AAVAS Financiers Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹1,233.2, with a 52-week range of ₹1222.00 to ₹2234.00. Based on fundamentals like P/E (16.47), ROE (7.03%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling AAVAS Financiers Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹1233.20. 2) Fundamental Deterioration - Declining ROE (currently 7.03%), increasing debt (D/E: 3.19), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for AAVAS Financiers Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.