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Companies›Financial Services›Financial Services›Finance
NSE:AAVAS

AAVAS FINANCIERS LIMITED

Financial Services › Finance·NIFTY 500NIFTY MIDSMALLCAP 400NIFTY MIDSMALLCAP400 50:50NIFTY SMALLCAP 250+4
₹1,133.00
at close · 27 Oct 2026
▲ 16.60 (+1.49%)
ThemesArtificial Intelligence· mention

Latest filings

  1. Aavas Q2 FY27 net profit rises 10.7% to Rs 181.5 crore · Compliance
  2. Aavas Financiers posts earnings call audio for September 2026 · Investor Communications
  3. IRDAI grants Aavas renewed corporate agent registration · Regulatory & Legal
All filings ↓
Ask Nexa about AAVAS FINANCIERS LIMITED

Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

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.

Operating scale
Assets under management
Rs 239.3 bnQ1 FY27
Branches
440 across 15 statesQ1 FY27
Active loan accounts
2,75,800+Q1 FY27
Q1 FY27 disbursement growth
+41% YoYQ1 FY27
Gross NPA (GNPA)
1.11%Q1 FY27
Liquidity buffer (cash + liquid investments)
Rs 18.8 bnQ1 FY27
Who pays it
Individual home loan borrowers and MSME borrowers, with operations focused on Tier 2/3 markets across 15 states
Biggest cost
Interest expense on borrowings — bank debt, NCDs and NHB refinance; 73% of borrowings re-price with rate moves
Kind of business
Spread-driven, asset-heavy housing finance company; cyclical with interest rate moves and the affordable housing cycle
Where it sits
Mid-sized housing finance company with Rs 239.3 bn AUM in Q1 FY27; CVC Capital Partners is the promoter following the FY26 change
Market Cap
₹8,983 Cr
P / E (TTM)
18.3×
EV / EBITDA
—
Div Yield
—
Growth
23.2%▲
Revenue 5y CAGR
PAT +22.8% · EBITDA +23.2%
Quality
—·
ROCE (FY24)
ROE 12.7% (5y median) · margin 73.7%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY19→FY24
2.8×▲
Margin −0.5 pts
₹710 Cr → ₹2,018 Cr
Moves on a normal day
1.12%·
Median daily move
Last 267 sessions · the yardstick for filing-day moves
Where it sits among 19 Housing Finance Company peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#14/17
P/B#14/17
ROE#6/17
EBITDA margin#10/19
Revenue growth#5/19
Profit growth#13/20

Scorecard

Measured from the filed financials, judged against its Housing Finance Company peers · as of FY24 — not investment advice

Strengths
Revenue compounding 23% a year over 5 years
Profit compounding 23% a year over 5 years
Profit grew in every one of the last 5 years
Concerns
Nothing flagged in the filed numbers.

Charts

How has the market priced it — with filings on the timeline?

AAVAS · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from AAVAS FINANCIERS LIMITED's filed financials and exchange disclosures

What does AAVAS FINANCIERS LIMITED do?

AAVAS FINANCIERS LIMITED is a Finance company listed on NSE and BSE, trading under the symbol AAVAS.

Is AAVAS FINANCIERS LIMITED profitable?

Yes. Over the trailing twelve months AAVAS FINANCIERS LIMITED reported a net profit of ₹491 Cr on revenue of ₹2,018 Cr.

Does AAVAS FINANCIERS LIMITED pay a dividend?

Not in the latest reported year — AAVAS FINANCIERS LIMITED's dividend payout for FY24 was nil.

Is AAVAS FINANCIERS LIMITED expensive compared with its peers?

On trailing P/E, AAVAS FINANCIERS LIMITED ranks 14 of 17 in Housing Finance Company — cheaper than 19% of them, against an industry median of 10.2×. This is a position, not a valuation judgement.

How much does the AAVAS FINANCIERS LIMITED share price move in a day?

On a typical session AAVAS FINANCIERS LIMITED moves 1.12% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.

Where can I track AAVAS FINANCIERS LIMITED's announcements?

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.