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
₹104.67B
Enterprise Value₹244.91B
Total Cash (Recent Filing)₹196.85B
Total Debt (Recent Filing)₹144.13B
Price to Earnings (P/E)17.0
Beta0.67
Next Earnings
Jul 23, 2026EPS Estimate
22.04Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)76.22
Shares Outstanding79,287,780
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)98.39
Revenue Forecast (FY)₹18.65B
Bulls Say, Bears Say
Bulls Say
Revenue Growth & MarginsAavas's sharp revenue acceleration in FY2026 alongside consistently high net margins demonstrates durable core earnings power. Sustained top-line expansion with 24–32% margins supports reinvestment in branch coverage, loan growth and provisioning buffers, underpinning long-term profitability and scale.
Underserved Market FocusConcentrating on semi-urban and rural low- and middle-income borrowers gives Aavas a structural advantage: lower competition and deeper local relationships. A branch-led origination and collections network supports underwriting quality, customer stickiness and consistent sourcing, enabling durable loan-book expansion.
Positive Cash GenerationConsistent positive operating and free cash flow with FCF closely tracking net income indicates the business converts profits into cash. That cash generation supports reinvestment, securitisation capacity and buffers for credit costs, improving financial resilience over the medium term.
Bears Say
High LeverageAavas's persistent high leverage (D/E ~3.1x) is typical for mortgage lenders but increases sensitivity to funding-cost rises and liquidity stress. Elevated leverage limits strategic flexibility, raises refinancing and interest-rate risk, and amplifies equity downside from credit deterioration over the medium term.
Volatile Cash Flow MetricsDespite positive absolute cash generation, swings in operating cash flow and FCF complicate liquidity management. Irregular coverage increases reliance on external funding or securitisation to sustain growth and manage timing gaps, raising funding-risk exposure in stress scenarios.
Gross-margin/reporting VolatilityUnusual swings in gross-profit metrics point to one-offs or classification changes that reduce earnings transparency. Persistent margin volatility can obscure underlying credit trends or cost dynamics, hindering reliable forecasting and stress-testing of long-term profitability and provisioning needs.
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 ₹104.67B.
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 40 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 79,287,780 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.
Established in 2011 and headquartered in Jaipur, India, Aavas Financiers Limited (known as AU Housing Finance Limited until February 2017) specializes in providing housing finance solutions. The company primarily serves self-employed individuals from low and middle-income segments residing in India's semi-urban and rural areas. Its diverse portfolio of loan products encompasses financing for the acquisition of various residential properties, including flats, houses, bungalows, and resale homes. Additionally, Aavas offers funds for land purchases and new home construction, including self-built residences, as well as home improvement loans for renovations such as tiling, flooring, plastering, and painting. Beyond residential property, the company also provides home equity loans and micro, small, and medium enterprise (MSME) loans to support business expansion, equipment procurement, and working capital needs. Further services include home loan balance transfers and products under the emergency credit line guarantee scheme. As of March 31, 2022, Aavas Financiers operated an extensive network of 314 branches across 13 Indian states, which include Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Delhi, Punjab, Uttarakhand, Himachal Pradesh, Karnataka, and Odisha.
AAVAS Stock 12 Month Forecast
Average Price Target
₹1,750.00
▲(29.85% Upside)
Technical Analysis
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