Aavas Financiers Ltd. (IN:AAVAS)
:AAVAS
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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
₹111.88B
Enterprise Value₹74.51B
Total Cash (Recent Filing)₹196.85B
Total Debt (Recent Filing)₹144.13B
Price to Earnings (P/E)17.0
Beta0.62
Next Earnings
May 05, 2026EPS Estimate
22.59Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)21.50
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 Upside39.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)96.94
Revenue Forecast (FY)₹18.23B
Bulls Say, Bears Say
Bulls Say
Profitability MarginsA 43.37% net profit margin (and stated 100% gross margin typical for financials) shows durable spread capture and operational efficiency in lending. High margins support internal capital generation, provide a buffer for credit costs, and enable reinvestment in distribution over the next 2-6 months.
Niche, Branch-Based OriginationFocus on underserved semi-urban/rural low- and middle-income borrowers and a branch-based origination/collections network is a durable competitive advantage. It supports customer acquisition, higher stickiness, and differentiated loan flow versus urban-focused lenders, underpinning stable originations over time.
Return On EquityROE of ~13.17% indicates the company is generating reasonable returns on shareholder capital. Combined with strong margins, this suggests efficient capital deployment that can support shareholder value and organic growth, assuming funding and credit trends remain manageable.
Bears Say
High Financial LeverageDebt-to-equity of 3.18 denotes significant leverage, increasing interest expense sensitivity and refinancing risk. High leverage constrains balance sheet flexibility, raises vulnerability to rate hikes or funding stress, and limits the firm's ability to absorb shocks or pursue expansion without costly funding.
Sharp Revenue ContractionA ~39% revenue decline signals structural originations slowdown or run-off that reduces scale economics. Sustained revenue contraction pressures fixed-cost absorption, narrows growth runway, and could erode borrower diversification, making recovery dependent on sustained improvement in origination capacity and distribution execution.
Negative Operating Cash FlowPersistent negative operating and free cash flows weaken liquidity and increase reliance on external funding or securitisation to grow the loan book. With high leverage, negative cash flow raises refinancing and funding risk and limits the company's ability to self-fund growth or absorb credit stress without raising costly capital.
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 ₹111.88B.
When is Aavas Financiers Ltd.’s upcoming earnings report date?
Aavas Financiers Ltd.’s upcoming earnings report date is May 05, 2026 which is in 7 days.
How were Aavas Financiers Ltd.’s earnings last quarter?
Aavas Financiers Ltd. released its earnings results on Feb 05, 2026. The company reported ₹21.5 earnings per share for the quarter, beating the consensus estimate of ₹21.327 by ₹0.173.
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 22.59.
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 ₹21.5 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
▲(39.12% Upside)
Technical Analysis
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