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Aavas Financiers Ltd. (IN:AAVAS)
:AAVAS
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Aavas Financiers Ltd.
(AAVAS)
Rating:54Neutral
Price Target:
₹1,715.00
▲(3.92% Upside)
Aavas Financiers Ltd. (AAVAS) vs. iShares MSCI India ETF (INDA)
Market Cap
₹130.64B
Dividend YieldN/A
Average Volume (3M)21.14K
Price to Earnings (P/E)22.2
Beta (1Y)0.57
Revenue GrowthN/A
EPS GrowthN/A
CountryIN
Employees6,075
SectorReal Estate
Sector Strength49
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)17.50
Shares Outstanding79,161,354
10 Day Avg. Volume49,306
30 Day Avg. Volume21,137
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹2,058.57Price Target Upside24.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
Aavas Financiers Ltd. Business Overview & Revenue Model
Company DescriptionAavas Financiers Ltd. (AAVAS) is a leading housing finance company based in India, primarily focused on providing home loans to individuals and families in the affordable housing segment. The company aims to cater to the growing demand for housing finance in semi-urban and rural areas, offering a range of products including housing loans, loan against property, and home improvement loans. AAVAS is dedicated to promoting financial inclusion and supporting the housing needs of its customers through competitive interest rates and personalized service.
How the Company Makes MoneyAavas Financiers Ltd. generates revenue primarily through the interest income earned on the loans it disburses to customers. The company offers a variety of loan products, which are typically structured with interest rates that reflect the risk profile of the borrower and prevailing market conditions. Key revenue streams include interest on home loans, processing fees, and ancillary services related to loan origination. Additionally, AAVAS may earn income from fees associated with loan disbursement and insurance, as well as from partnerships with financial institutions that facilitate loan distribution or securitization efforts. The company's focus on the affordable housing segment allows it to tap into a large and underserved market, contributing to its overall earnings potential.
Aavas Financiers Ltd. Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | Dec 2025 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 13.24B | 11.68B | 14.47B | 11.11B | 9.36B |
| Gross Profit | 13.24B | 124.81M | 5.47B | 4.34B | 3.24B |
| EBITDA | 7.96B | 6.63B | 2.77B | 9.62B | 8.37B |
| Net Income | 5.74B | 4.91B | 4.30B | 3.55B | 2.89B |
Balance Sheet | |||||
| Total Assets | 186.18B | 165.19B | 134.10B | 110.17B | 89.59B |
| Cash, Cash Equivalents and Short-Term Investments | 15.60B | 205.58M | 13.93B | 16.60B | 12.37B |
| Total Debt | 138.50B | 123.98B | 98.87B | 80.12B | 63.78B |
| Total Liabilities | 142.58B | 127.46B | 101.40B | 82.11B | 65.58B |
| Stockholders Equity | 43.61B | 37.73B | 32.70B | 28.06B | 24.01B |
Cash Flow | |||||
| Free Cash Flow | -16.90B | -20.19B | -19.53B | -11.51B | -10.79B |
| Operating Cash Flow | -16.60B | -19.87B | -19.15B | -11.35B | -10.71B |
| Investing Cash Flow | 1.76B | -6.47B | 1.86B | -4.63B | -2.65B |
| Financing Cash Flow | 14.75B | 24.77B | 18.58B | 16.23B | 10.08B |
Aavas Financiers Ltd. Technical Analysis
Negative
1650.25
Price Trends
1835.91
Negative
1873.25
Negative
1791.07
Negative
Market Momentum
-54.17
Positive
34.35
Neutral
26.42
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:AAVAS, the sentiment is Negative. The current price of 1650.25 is below the 20-day moving average (MA) of 1709.64, below the 50-day MA of 1835.91, and below the 200-day MA of 1791.07, indicating a bearish trend. The MACD of -54.17 indicates Positive momentum. The RSI at 34.35 is Neutral, neither overbought nor oversold. The STOCH value of 26.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:AAVAS.
Aavas Financiers Ltd. Peers Comparison
Overall Rating
UnderperformOutperform
Sector (53)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹172.96B | 21.64 | 1.30% | 28.39% | 24.27% | ||
67 Neutral | ₹57.17B | 35.52 | 0.38% | -8.97% | 61.83% | ||
62 Neutral | ₹135.04B | 29.32 | 0.29% | 33.53% | 21.56% | ||
58 Neutral | ₹15.31B | 19.07 | ― | 3.20% | 5.17% | ||
55 Neutral | ₹82.06B | 51.09 | 0.23% | -21.81% | 61.58% | ||
54 Neutral | ₹130.64B | 22.24 | ― | ― | ― | ||
53 Neutral | $1.23B | 2.78 | -5.63% | 5.65% | -4.29% | -97.75% |
* Real Estate Sector Average
Performance Comparison
IN:AAVAS
Aavas Financiers Ltd.
1,650.25
-36.85
-2.18%
IN:APTUS
Aptus Value Housing Finance India Limited
345.85
37.94
12.32%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,307.65
219.13
20.13%
IN:RUSTOMJEE
Keystone Realtors Ltd.
651.15
-100.33
-13.35%
IN:SHRIRAMPPS
Shriram Properties Ltd.
89.86
-42.44
-32.08%
IN:SUNTECK
Sunteck Realty Limited
390.30
-217.24
-35.76%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.