Aavas Financiers Ltd. (AAVAS) AI Stock Analysis

• Market Cap: ₹89.64B
• Dividend Yield: N/A
• Average Volume (3M): 11.55K
• Price to Earnings (P/E): 17.0
• Beta (1Y): 0.59
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 6,075
• Sector: Real Estate
• Sector Strength: 53
• Industry: Financial - Mortgages
• EPS (TTM): 21.40
• Shares Outstanding: 79,191,880
• 10 Day Avg. Volume: 6,590
• 30 Day Avg. Volume: 11,550
• PEG Ratio: 1.71
• Price to Book (P/B): 3.82
• Price to Sales (P/S): 8.37
• P/FCF Ratio: 29.58
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹1,875.00
• Price Target Upside: 65.64% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 97.45
• Revenue Forecast (FY): ₹18.24B

• Rating: 53 Neutral
• Price Target: ₹1,146.00 ▲(1.24% Upside)
• Action: Reiterated Date: 03/17/26
• Date: Action: Reiterated 03/17/26

The score is held back primarily by weak technical momentum and a mixed financial profile (sharp revenue decline, high leverage, and negative cash flows), partially offset by strong profitability margins and a moderate P/E valuation.

Positive Factors

Niche retail mortgage focus

Aavas’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.

Negative Factors

Sharp revenue contraction

A 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.

Aavas Financiers Ltd. Business Overview & Revenue Model

Company Description

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; l...

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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; l...

How the Company Makes Money

AAVAS primarily makes money through net interest income earned on its loan book. It raises funds (e.g., via bank borrowings, refinance lines, market borrowings and/or securitisation/assignment of receivables) and lends these funds to customers at ...

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AAVAS primarily makes money through net interest income earned on its loan book. It raises funds (e.g., via bank borrowings, refinance lines, market borrowings and/or securitisation/assignment of receivables) and lends these funds to customers at ...

Aavas Financiers Ltd. Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	21.30B	19.88B	16.80B	13.56B	11.11B	9.36B
Gross Profit	6.65B	6.35B	5.24B	4.96B	4.30B	3.22B
EBITDA	7.92B	7.74B	6.63B	5.81B	4.80B	3.75B
Net Income	6.03B	5.74B	4.91B	4.30B	3.55B	2.89B
Balance Sheet
Total Assets	194.41B	186.18B	165.19B	134.10B	110.17B	89.59B
Cash, Cash Equivalents and Short-Term Investments	196.85B	15.60B	205.58M	15.40B	16.60B	12.37B
Total Debt	144.13B	138.50B	123.98B	98.87B	80.12B	63.78B
Total Liabilities	147.61B	142.58B	127.46B	101.40B	82.11B	65.58B
Stockholders Equity	46.80B	43.61B	37.73B	32.70B	28.06B	24.01B
Cash Flow
Free Cash Flow	-1.42B	5.63B	5.13B	4.82B	4.00B	2.92B
Operating Cash Flow	-1.27B	5.93B	5.46B	5.21B	4.15B	3.00B
Investing Cash Flow	-1.76B	-20.77B	-31.93B	-22.49B	-20.13B	-16.36B
Financing Cash Flow	4.71B	14.75B	24.91B	18.58B	16.23B	10.08B

Aavas Financiers Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1131.95
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 1131.95 is below the 20-day moving average (MA) of 1155.45, below the 50-day MA of 1279.96, and below the 200-day MA of 1572.39, indicating a bearish trend. The MACD of -52.09 indicates Negative momentum. The RSI at 41.72 is Neutral, neither overbought nor oversold. The STOCH value of 48.95 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HOMEFIRST	66 Neutral	₹99.38B	20.38	―	0.33%	31.75%	21.70%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
SUNTECK	63 Neutral	₹43.45B	24.91	―	0.36%	-14.25%	17.95%
APTUS	58 Neutral	₹101.98B	14.79	―	1.60%	28.47%	24.63%
RUSTOMJEE	54 Neutral	₹48.01B	487.69	―	0.28%	-20.38%	-36.03%
SHRIRAMPPS	54 Neutral	₹11.33B	-52.72	―	―	13.78%	63.01%
AAVAS	53 Neutral	₹89.64B	17.04	―	―	―	―

Aavas Financiers Ltd. Corporate Events