Aavas Financiers Limited has informed the Exchange about Investor Presentation

Mgmt Guided Margin ImprovementInvestor Communications View source PDF

AAVAS · price

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Price reaction · full curve 14 horizons · vs prior close

-2.1%1-day move

₹1448.00

prior close

₹1494.90

base price

After-mkt

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-0.9-1.9-2.6-2.4-2.1-0.2-3.0-4.2-0.8-4.4-5.6-12.6+4.9—

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AI summary

Aavas Financiers reported strong Q4FY26 results with PAT of ₹1,817 million (+18% YoY) and full-year PAT of ₹6,556 million (+14% YoY). Disbursements grew 16% YoY to ₹23.5 billion in Q4, with AUM reaching ₹234.5 billion (+15% YoY). Key milestone: balance sheet crossed ₹200 billion and net worth exceeded ₹50 billion. NIM improved 29 bps to 7.93% for FY26 with spread expanding 31 bps to 5.20%, driven by 62 bps reduction in cost of funds. Asset quality remained pristine with GNPA at 1.05% and 1+ DPD at 3.17% (improved 63 bps QoQ). Credit rating outlook upgraded to Positive by ICRA and CARE. Promoter changed to CVC Capital Partners (48.94% stake). 435 branches now operational across 15 states.

Likely market impact

Strong operational performance with margin expansion and pristine asset quality reinforces Aavas as a quality play in affordable housing finance. Promoter change to CVC Capital and rating upgrade enhance credibility. ROE at 14.67% with 44.56% CAR provides ample capital buffer for growth.