Aavas Financiers Ltd. (IN:AAVAS)
:AAVAS
Want to see IN:AAVAS full AI Analyst Report?
AAVAS Stock Chart & Stats
₹1347.75
-₹3.85(-0.23%)
At close: 4:00 PM EST
₹1347.75
-₹3.85(-0.23%)
Day’s Range― - ―
52-Week Range₹1,050.25 - ₹2,152.00
Previous CloseN/A
Volume77.22K
Average Volume (3M)11.55K
Market Cap
₹107.63B
Enterprise Value₹246.10B
Total Cash (Recent Filing)₹196.85B
Total Debt (Recent Filing)₹144.13B
Price to Earnings (P/E)11.7
Beta0.65
Next Earnings
Jul 23, 2026EPS Estimate
22.04Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)76.22
Shares Outstanding79,282,745
10 Day Avg. Volume6,590
30 Day Avg. Volume11,550
Financial Highlights & Ratios
PEG Ratio0.93
Price to Book (P/B)1.69
Price to Sales (P/S)3.18
P/FCF Ratio11.25
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,750.00Price Target Upside29.85% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)98.2
Revenue Forecast (FY)₹18.65B
Bulls Say, Bears Say
Bulls Say
Strong Revenue Growth And Healthy ProfitabilitySustained top-line expansion combined with high net margins (~24–32%) indicates durable earnings power. This supports reinvestment into branch expansion and provisioning buffers, and provides a long-term earnings base that can absorb normal credit-cycle volatility without immediate capital strain.
Positive Operating Cash Flow And Free Cash FlowConsistent positive OCF and FCF that closely track net income point to genuine cash conversion of earnings. Over 2–6 months this underpins the firm's ability to fund operations, service debt and support origination without relying solely on spot market funding.
Branch-based Origination In Underserved Semi-urban/rural MarketsA focused, branch-led model in underserved semi-urban/rural segments creates structural competitive advantage via deep local customer relationships, higher pricing power and lower acquisition churn. This niche orientation supports stable loan demand and predictable collections over time.
Bears Say
High And Persistent LeverageA debt-to-equity ratio near 3x is typical for mortgage lenders but leaves limited capital buffer. Persistent high leverage raises sensitivity to funding-cost increases and liquidity squeezes, reducing strategic flexibility and elevating refinancing and provisioning risks over the medium term.
Volatile Cash-flow Metrics And CoverageMarked swings in free cash flow and intermittent weak operating cash coverage complicate liquidity planning. That variability increases dependence on external borrowing during stress periods and makes provisioning and loan-book growth pacing harder to sustain without raising funding costs.
Gross Profit/margin Reporting VolatilityInconsistent gross-margin reporting reduces clarity on sustainable core economics. If margin swings reflect classification or one-off items, forecasting recurring profitability and stress-testing loan economics becomes less reliable, increasing model risk for medium-term planning.
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 ₹2152.00 in the past 12 months.
What is Aavas Financiers Ltd.’s market cap?
Aavas Financiers Ltd.’s market cap is ₹107.63B.
When is Aavas Financiers Ltd.’s upcoming earnings report date?
Aavas Financiers Ltd.’s upcoming earnings report date is Jul 23, 2026 which is in 63 days.
How were Aavas Financiers Ltd.’s earnings last quarter?
Aavas Financiers Ltd. released its earnings results on May 05, 2026. The company reported ₹22.86 earnings per share for the quarter, beating the consensus estimate of ₹22.59 by ₹0.27.
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 22.04.
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 ₹22.86 in its last earnings report, beating expectations of ₹22.59. Following the earnings report the stock price went up 4.617%.
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
₹1,750.00
▲(29.85% Upside)
Technical Analysis
Aptus Value Housing Finance India Limited
―
Home First Finance Company India Ltd.
―
Keystone Realtors Ltd.
―
Shriram Properties Ltd.
―
Sunteck Realty Limited
―