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Financial Services | Small Cap
Health Score : 8.80AAVAS Financiers Ltd. demonstrates a very strong financial profile, primarily driven by exceptional growth and high profitability. The company is expanding rapidly, with significant increases in revenue, profits, and its overall asset base, indicating strong market demand for its services. Its profitability is a key strength, with high margins showing it earns a healthy amount from its core business. According to the data, the company operates with no debt, which makes its financial foundation appear incredibly stable and low-risk. Key strengths include creating substantial value for shareholders through rising earnings and book value. However, there are areas of concern. The company's operations are currently using more cash than they generate, a common trait for fast-growing lenders. Also, its ability to cover interest payments is just average. The company reinvests all its profits back into the business and does not pay dividends to shareholders, which is typical for a firm focused on expansion. The outlook appears positive, centered on its successful growth strategy, but depends on managing the challenges of rapid expansion.
Health Score : 8.80AAVAS Financiers Ltd. demonstrates a very strong financial profile, primarily driven by exceptional growth and high profitability. The company is expanding rapidly, with significant increases in revenue, profits, and its overall asset base, indicating strong market demand for its services. Its profitability is a key strength, with high margins showing it earns a healthy amount from its core business. According to the data, the company operates with no debt, which makes its financial foundation appear incredibly stable and low-risk. Key strengths include creating substantial value for shareholders through rising earnings and book value. However, there are areas of concern. The company's operations are currently using more cash than they generate, a common trait for fast-growing lenders. Also, its ability to cover interest payments is just average. The company reinvests all its profits back into the business and does not pay dividends to shareholders, which is typical for a firm focused on expansion. The outlook appears positive, centered on its successful growth strategy, but depends on managing the challenges of rapid expansion.
Overall Valuation Score
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Last Traded Time
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Price Movement Indicator
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P/E RATIO (TTM)
15.11
Industry Median
11.04
Small Cap Median
9.25
P/E RATIO
20.14
P/B RATIO
2.62
Industry Median
1.46
Small Cap Median
1.12
P/S RATIO
4.91
Industry Median
3.91
Small Cap Median
2.44
Others
PEG RATIO
0.88
EV/EBITDA RATIO
13.80
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹1248.4 as on Sep 1, 2026.
Growth Score : 10.00The company's growth is its most impressive feature, showing exceptional performance across all measured aspects. It has consistently achieved very high growth in its revenues, operating profits, and net income. Furthermore, its earnings per share and asset base have also expanded at a remarkable rate. This uniform and robust growth signals strong market acceptance of its products, successful strategic execution, and a dominant position in its operating segments. This is a clear indicator of a thriving and rapidly expanding business.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 27.18 | 22.15 | 18.22 | 23.39 | 25.42 |
| Operating Profit Growth Rate | 20.22 | 15.58 | 28.03 | 21.05 | 13.91 |
| Earnings Per Share (EPS) Growth | 41.08 | 15.72 | 22.28 | 20.78 | 14.08 |
| Asset Growth Rate | 36.08 | 17 | 22.97 | 21.72 | 23.18 |
| Net Income Growth Rate | 41.48 | 16.06 | 22.84 | 21.13 | 14.19 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | India Shelter Finance Corporation Ltd | 9.15 | 13.59 | Neutral | 665.00 | 46.40 | 503.00 |
| 2 | Home First Finance Company India Ltd | 9.08 | 22.83 | Highly Overvalued | 719.00 | 51.70 | 540.00 |
| 3 | AAVAS Financiers Ltd | 8.80 | 20.14 | Highly Overvalued | 655.00 | 82.60 | 491.00 |
| 4 | Aptus Value Housing Finance India Ltd | 8.77 | 13.46 | Overvalued | 1171.00 | 13.84 | 943.00 |
| 5 | Can Fin Homes Ltd | 7.49 | 9.73 | Overvalued | 1318.00 | 81.54 | 1086.00 |
| 6 | Sammaan Capital Ltd | 3.61 | -2.39 | Neutral | -2221.00 | -65.24 | -7145.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤12th May 26
Q4 FY26 Earnings Conference Call
BULLISH SENTIMENT
No Stock News Available at This Moment.
AAVAS Financiers Ltd. is a non-deposit-taking housing finance company focused on providing long-term housing loans to low and middle-income individuals, primarily in semi-urban and rural areas of India. It caters to self-employed and salaried customers, serving the affordable housing segment with a wide branch network.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. AAVAS Financiers Ltd's P/E ratio (TTM) is 15.11, compared to the industry median of 11.04 and large cap median of 9.25.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. AAVAS Financiers Ltd's P/B ratio is 2.62, compared to the industry median of 1.46 and large cap median of 1.12.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. AAVAS Financiers Ltd's P/S ratio is 4.91, compared to the industry median of 3.91 and large cap median of 2.44.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. AAVAS Financiers Ltd's PEG ratio is 0.88.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. AAVAS Financiers Ltd's EV/EBITDA ratio is 13.80.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. AAVAS Financiers Ltd's ROE is 13.01%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. AAVAS Financiers Ltd's ROA is 3.97%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. AAVAS Financiers Ltd's ROCE is 38.51%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. AAVAS Financiers Ltd's operating margin is 32.46%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. AAVAS Financiers Ltd's net margin is 24.33%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. AAVAS Financiers Ltd's current ratio is 46.58.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. AAVAS Financiers Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. AAVAS Financiers Ltd's interest coverage ratio is 1.75.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. AAVAS Financiers Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. AAVAS Financiers Ltd's EPS is 14.08.
(Source line: "Ratios as of 24 Oct 2026, based on last traded price of ₹1248.40. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2011 (as Amaron Home Finance Private Limited)
Headquarters: Jaipur, Rajasthan
Core Offerings: Housing Loans, Loans Against Property (LAP), Home Renovation Loans
Stock Listing: NSE (AAVAS), BSE (541988)
Promoter: Professionally managed, no single promoter group
AAVAS Financiers was incorporated in 2011 as 'Amaron Home Finance Private Limited' and rebranded to 'AAVAS Financiers Limited' in 2012, commencing operations to serve the affordable housing segment. The company successfully completed its Initial Public Offering (IPO) in 2018, listing on both NSE and BSE. Since then, it has steadily expanded its footprint, establishing a strong presence across several states, focusing on unserved and underserved segments of the population.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Housing Loans | Approx. 75-80% (of Gross Loan Assets) | N/A (Integrated business model) |
| Loans Against Property (LAP) | Approx. 20-25% (of Gross Loan Assets) | N/A (Integrated business model) |
Housing Loans: Forms the largest part of the loan book, targeting individuals for home purchase, construction, and improvement, predominantly in semi-urban and rural areas.
Loans Against Property (LAP): Offers financing solutions by leveraging existing residential or commercial properties, catering to diverse financial requirements of customers.
Mr. Sushil Kumar Agarwal (MD & CEO): A Chartered Accountant with over two decades of experience in the financial services sector, he has been instrumental in the company's growth and strategy since its inception. Mr. Sandeep Tandon (Chairman - Independent Director): A seasoned professional with extensive experience in the financial services industry, guiding the board with his strategic insights.
No major subsidiaries reported.
Initial Public Offering (IPO) in 2018. No major recent corporate actions on record.
The AAVAS Financiers Ltd share price today is ₹1248.40 on NSE (AAVAS), as of 24 Oct 2026.
As of 24 Oct 2026, AAVAS Financiers Ltd share price is ₹1248.40, with previous close ₹1248.40. Today's range is ₹1248.40 to ₹1248.40. The 52-week range is ₹N/A to ₹N/A.
As of today, AAVAS Financiers Ltd's market cap is ₹9,899.81 crore (Mid Cap).
AAVAS Financiers Ltd's current P/E ratio is 15.11, compared to the BANKING AND FINANCE sector average of 26.80.
AAVAS Financiers Ltd's current P/B ratio is 2.62.
AAVAS Financiers Ltd's current dividend yield is N/A. Last dividend of ₹12.00 per share was declared on 25-Apr-2024 (Board recommended for FY24).
AAVAS Financiers Ltd's EPS (TTM) is ₹14.08.
AAVAS Financiers Ltd. is a non-deposit-taking housing finance company focused on providing long-term housing loans to low and middle-income individuals, primarily in semi-urban and rural areas of India. It caters to self-employed and salaried customers, serving the affordable housing segment with a wide branch network.
AAVAS Financiers Ltd is promoted by Professionally managed, no single promoter group, holding 48.88% as of 24 Oct 2026.
AAVAS Financiers Ltd is listed on NSE (AAVAS) and BSE (541988). Its next quarterly results are expected on July/August 2024 (Q1 FY25).
Interest Coverage Ratio