What the business is, and whether it's a good one at a fair price.
Provides housing finance to individual borrowers, with earnings coming primarily from interest income on its loan book. Home loans are the lead product (38% YoY growth in Q1 FY27), with loan against property (LAP) and MSME loans also part of the lending mix. Q1 FY27 AUM growth of 15.4% YoY was driven by Rs 16.1 bn of disbursements (+41% YoY), and the quarter's net interest margin stood at 7.70% on a spread of 5.06%. The main input cost is interest expense on borrowings — Q1 FY27 saw Rs 14.74 bn raised at 7.74% and a Rs 200 crore 7.80% 3-year NCD placement in July 2026, with 73% of borrowings re-priceable and cost of borrowing improving 38 bps YoY. Employees (17.5% of FY26 revenue) and other opex (7.2%) make up the non-funding cost base. FY26 total income was Rs 2,683.46 crore and net profit Rs 654.88 crore, with capital adequacy at 44.66% CRAR and debt-to-equity at 3.06.
Measured from the filed financials, judged against its Housing Finance Company peers · as of FY24 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from AAVAS FINANCIERS LIMITED's filed financials and exchange disclosures
AAVAS FINANCIERS LIMITED is a Finance company listed on NSE and BSE, trading under the symbol AAVAS.
Yes. Over the trailing twelve months AAVAS FINANCIERS LIMITED reported a net profit of ₹491 Cr on revenue of ₹2,018 Cr.
Not in the latest reported year — AAVAS FINANCIERS LIMITED's dividend payout for FY24 was nil.
Effectively yes. It holds ₹21 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, AAVAS FINANCIERS LIMITED ranks 12 of 17 in Housing Finance Company — cheaper than 31% of them, against an industry median of 13.3×. This is a position, not a valuation judgement.
On a typical session AAVAS FINANCIERS LIMITED moves 1.10% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by AAVAS FINANCIERS LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
