Aavas Financiers Ltd. (IN:AAVAS)
:AAVAS
AAVAS Stock Chart & Stats
₹1137.60
-₹3.85(-0.23%)
At close: 4:00 PM EST
₹1137.60
-₹3.85(-0.23%)
Day’s Range― - ―
52-Week Range₹1,050.25 - ₹2,238.35
Previous CloseN/A
Volume77.22K
Average Volume (3M)11.55K
Market Cap
₹90.19B
Enterprise Value₹55.73B
Total Cash (Recent Filing)₹196.85B
Total Debt (Recent Filing)₹144.13B
Price to Earnings (P/E)17.0
Beta0.58
Next Earnings
Apr 23, 2026EPS Estimate
21.92Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)21.40
Shares Outstanding79,282,745
10 Day Avg. Volume6,590
30 Day Avg. Volume11,550
Financial Highlights & Ratios
PEG Ratio1.71
Price to Book (P/B)3.82
Price to Sales (P/S)8.37
P/FCF Ratio29.58
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,875.00Price Target Upside64.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)97.45
Revenue Forecast (FY)₹18.24B
Bulls Say, Bears Say
Bulls Say
Niche Retail Mortgage FocusAavas’s focused business model serving underserved, semi-urban and rural borrowers is a durable structural advantage: limited competition, steady housing demand and strong customer relationships can support stable originations and portfolio diversification over multiple years, aiding long-term resilience despite cyclical headwinds.
Strong Net Profit MarginA 43% net margin indicates resilient core profitability from lending spreads and fee income. Sustained high margins provide cushion against credit cost volatility and funding stress, supporting internal capital generation and the ability to invest in distribution and tech to defend margins over a multi-quarter horizon.
Reasonable Return On EquityAn ROE of ~13% shows the business can generate respectable shareholder returns from deployed equity. For a retail mortgage franchise, this suggests efficient capital allocation and potential to compound value if asset quality and funding mix remain stable, enabling sustainable growth without excessive equity dilution.
Bears Say
Sharp Revenue ContractionA near 40% revenue decline is a material structural concern: it reduces scale economics, pressures lending spreads and fee income, and may indicate slowing origination or portfolio rolloff. If prolonged, it can erode competitive positioning, constrain reinvestment, and weaken long-term earnings power.
High LeverageLeverage of over 3x amplifies funding and interest-rate risk for a mortgage lender reliant on external borrowings and securitisation. High debt levels reduce financial flexibility, increase refinancing needs, and magnify the impact of asset-quality deterioration, making sustained growth and margin stability harder to maintain.
Negative Operating And Free Cash FlowPersistently negative operating and free cash flows undermine self-funding capability, forcing reliance on market borrowings or securitisation. Coupled with high leverage, this elevates liquidity and rollover risk, constrains strategic investments, and threatens the sustainability of dividends and capital returns over the medium term.
Aavas Financiers Ltd. News
AAVAS FAQ
What was Aavas Financiers Ltd.’s price range in the past 12 months?
Aavas Financiers Ltd. lowest stock price was ₹1050.25 and its highest was ₹2238.35 in the past 12 months.
What is Aavas Financiers Ltd.’s market cap?
Aavas Financiers Ltd.’s market cap is ₹90.19B.
When is Aavas Financiers Ltd.’s upcoming earnings report date?
Aavas Financiers Ltd.’s upcoming earnings report date is Apr 23, 2026 which is in 16 days.
How were Aavas Financiers Ltd.’s earnings last quarter?
Aavas Financiers Ltd. released its earnings results on Feb 05, 2026. The company reported ₹21.4 earnings per share for the quarter, beating the consensus estimate of ₹21.327 by ₹0.073.
Is Aavas Financiers Ltd. overvalued?
According to Wall Street analysts Aavas Financiers Ltd.’s price is currently Undervalued.
Does Aavas Financiers Ltd. pay dividends?
Aavas Financiers Ltd. does not currently pay dividends.
What is Aavas Financiers Ltd.’s EPS estimate?
Aavas Financiers Ltd.’s EPS estimate is 21.92.
How many shares outstanding does Aavas Financiers Ltd. have?
Aavas Financiers Ltd. has 79,282,745 shares outstanding.
What happened to Aavas Financiers Ltd.’s price movement after its last earnings report?
Aavas Financiers Ltd. reported an EPS of ₹21.4 in its last earnings report, beating expectations of ₹21.327. Following the earnings report the stock price went down -3.032%.
Which hedge fund is a major shareholder of Aavas Financiers Ltd.?
Currently, no hedge funds are holding shares in IN:AAVAS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Aavas Financiers Ltd.
Aavas Financiers Limited provides housing loans to customers belonging to low- and middle-income self-employed customers in semi-urban and rural areas in India. It offers home loans for flats, houses, and bungalows, as well as resale properties; land purchase and construction loans, including finance for self-construction of residential house; and home improvement loans, which include loans for tiling or flooring, plaster, painting, etc. The company also provides home equity loans; and micro, small, and medium enterprise loans for business expansion, purchase of equipment, working capital, etc., as well as home loan balance transfer and emergency credit line guarantee scheme products. As of March 31, 2022, it operated through 314 branches covering in 13 states, including Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Delhi, Punjab, Uttarakhand, Himachal Pradesh, Karnataka, and Odisha. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in February 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.
AAVAS Stock 12 Month Forecast
Average Price Target
₹1,875.00
▲(64.82% Upside)
Technical Analysis
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