Aavas Financiers Ltd.

₹1,485.6

6.1 (0.4%)

AAVAS Share Price

Finance

As on January 27, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryHousing Finance Company

Market Cap₹ 11,758 Cr

P/E Ratio20.48

Dividend YieldN/A

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	1,440.14	Bullish
10-DMA	1,439.24	Bullish
20-DMA	1,449.09	Bullish
50-DMA	1,510.32	Bearish
100-DMA	1,571.85	Bearish
200-DMA	1,712.08	Bearish

Historical Performance

1 Year

-10.9%

3 Years

-21.4%

5 Years

-19.8%

10 Years

N/A

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Other Income	31	23	12	22	8
Operating Profit	14,882	11,701	9,555	8,327	6,786
Interest	8,302	5,929	4,790	4,596	3,571
Depreciation	327	287	238	206	196
Profit Before Tax	6,254	5,484	4,527	3,526	3,019
Consolidated Net Profit	4,907	4,296	3,552	2,889	2,490
Adjusted EPS	62	54	45	37	32

Compounded Sales Growth

10 Years:86.7

5 Years:21.1

3 Years:12.5

TTM:3.1

Compounded Profit Growth

10 Years:97.6

5 Years:18.2

3 Years:10

TTM:3.2

Stock Price CAGR

10 Years:N/A

5 Years:-4

3 Years:-7.7

TTM:-11.2

Return on Equity

10 Years:7.5

5 Years:36.9

3 Years:54.4

last year:72.5

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Share Capital	791	791	789	785	783
Total Reserves	36,426	31,464	26,964	23,042	20,079
Minority Interest	---	---	---	---	---
Total Non-Current Liabilities	88,936	72,434	57,608	44,396	42,748
Total Liabilities	1,65,195	1,34,096	1,10,175	89,593	76,570
Capital Work in Progress	---	---	---	---	3
Total Assets	1,65,195	1,34,096	1,10,175	89,593	76,570

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a moderate PE of 20.48, suggesting fair valuation relative to earnings.
Over the last three years, the stock delivered a weak 3-year price CAGR of -7.2%, indicating poor shareholder returns.
The stock carries a beta of 0.9, indicating volatility broadly in line with the market.
In the last financial year, the company reported an EBITDA of ₹17785 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹23545 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 888198

No. of Shares: 598 (Approx)

Performance:-11.2%

P/L: ₹-111802

NIFTY Performance: 9.7%

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