AAVAS
Aavas Financiers Limited (AAVAS) Stock Analysis
Aavas Financiers Limited is an Indian housing finance company focused on affordable housing loans in semi-urban and rural markets. It lends primarily to low- and middle-income borrowers for home purchase, construction, and improvement. The company has built a branch network across multiple states with strong rural penetration. It is a listed NBFC-HFC backed by private equity and operates nationwide in India.
Financial Services › Mortgage Finance
₹1,195.20
+0.18% 1W | -24.10% 52W
Market Cap
9.5k CR
P/E Ratio
13.9
52W High
₹1771.9
52W Low
₹1060.4
Div. Yield
0%
Beta
0.6
50 DMA
₹1296.2
200 DMA
₹1338.1
Profit Margin
42.5%
Inst. Own.
31.4%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 289 | 272 | 325 | 343 | 365 | 353 | 395 | 411 | 450 | 467 | 497 | 508 | 546 |
| Interest | 115 | 113 | 116 | 125 | 124 | 135 | 141 | 150 | 165 | 187 | 204 | 217 | 222 |
| Expenses | 76 | 80 | 86 | 97 | 89 | 98 | 110 | 117 | 118 | 132 | 129 | 134 | 139 |
| Financing Profit | 98 | 79 | 123 | 120 | 153 | 121 | 144 | 144 | 167 | 148 | 164 | 157 | 186 |
| Financing Margin % | 34% | 29% | 38% | 35% | 42% | 34% | 37% | 35% | 37% | 32% | 33% | 31% | 34% |
| Other Income | 2 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 |
| Depreciation | 5 | 5 | 6 | 6 | 7 | 6 | 7 | 7 | 9 | 7 | 8 | 9 | 9 |
| Profit before tax | 95 | 74 | 118 | 115 | 146 | 114 | 138 | 138 | 159 | 141 | 157 | 150 | 177 |
| Tax % | 8% | 20% | 22% | 23% | 21% | 22% | 22% | 22% | 20% | 22% | 23% | 22% | 20% |
| Net Profit | 87 | 59 | 92 | 89 | 115 | 89 | 107 | 107 | 127 | 110 | 122 | 117 | 142 |
| EPS in Rs | 11.14 | 7.52 | 11.65 | 11.25 | 14.63 | 11.28 | 13.49 | 13.55 | 16.04 | 13.89 | 15.38 | 14.75 | 18.00 |
| Gross NPA % | 1.00% | 0.94% | |||||||||||
| Net NPA % | 0.73% | 0.67% |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|
| Revenue | 494 | 710 | 903 | 1,103 | 1,304 | 1,609 | 2,018 |
| Interest | 193 | 255 | 356 | 458 | 478 | 591 | 828 |
| Expenses | 162 | 188 | 226 | 274 | 352 | 442 | 534 |
| Financing Profit | 139 | 267 | 321 | 371 | 475 | 575 | 655 |
| Financing Margin % | 28% | 38% | 36% | 34% | 36% | 36% | 32% |
| Other Income | 1 | 1 | 1 | 2 | 1 | 2 | 3 |
| Depreciation | 6 | 10 | 20 | 21 | 24 | 29 | 33 |
| Profit before tax | 134 | 258 | 302 | 353 | 453 | 548 | 625 |
| Tax % | 31% | 32% | 18% | 18% | 22% | 22% | 22% |
| Net Profit | 93 | 176 | 249 | 289 | 355 | 430 | 491 |
| EPS in Rs | 13.45 | 22.54 | 31.80 | 36.80 | 45.00 | 54.35 | 62.00 |
| Dividend Payout % | -0% | -0% | -0% | -0% | -0% | -0% | -0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 22.0% | 23.0% | – |
| Profit CAGR | 19.0% | 23.0% | – |
Shareholding Pattern
Promoters48.96%
FIIs25.88%
DIIs14.13%
Public11.02%
Promoters48.95%
FIIs24.72%
DIIs14.30%
Public12.04%
Promoters48.88%
FIIs16.74%
DIIs22.14%
Public12.24%
Promoters48.88%
FIIs16.28%
DIIs22.15%
Public12.69%
Promoters48.88%
FIIs15.20%
DIIs22.40%
Public13.53%
Promoters39.14%
FIIs38.83%
DIIs12.49%
Public9.53%
Promoters26.47%
FIIs34.80%
DIIs23.99%
Public14.76%
Promoters26.47%
FIIs29.67%
DIIs10.75%
Public33.11%
Promoters48.88%
FIIs16.74%
DIIs22.14%
Public12.24%
Promoters48.88%
FIIs15.20%
DIIs22.40%
Public13.53%
AAVAS
Holdings Analysis
Key strengths & risk signals
68
Overall
89
Fundamental
48
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
POOR YEAR! Stock declined 24.1% in the last year.
WEAK POSITION! Current price (1195.2) is below both moving averages.
WEAK! Trading at 18.9% of 52W range - near yearly lows.
Strengths (4)
EXCELLENT EFFICIENCY! 42.5% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 38.5 - watch for reversal.
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 89,826 vs down days: 89,044. Ratio: 1.01x
Fundamental & Technical Analysis
68Overall
89Fundamental
48Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 18.8% (VERY GOOD, 13/15). Profit CAGR: 15.1% (VERY GOOD, 13/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 42.5% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.92 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 11.51% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (1296.2) is below 200-day average (1338.1) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (1195.2) is below both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATING DOWN
52W Performance
1/10
POOR YEAR! Stock declined 24.1% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 89,826 vs down days: 89,044. Ratio: 1.01x
RSI
4/5
APPROACHING OVERSOLD! RSI at 38.5 - watch for reversal.
52W Range
1/5
WEAK! Trading at 18.9% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 0.2% (1 week), -6.8% (1 month), -19.3% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
AAVAS
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-27 | Concall PDF | |
| Q3FY262026-02-12 | Concall PDF | |
| Q2FY262025-11-17 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
| CANFINHOME | ₹732.10 | 8.5 | 67.1% | 16.0% | 19.0% | -8.3% | 63 | CONSOLIDATING DOWN | – | +2.7% | +16.7% | -0.9% |
| APTUS | ₹222.50 | 11.3 | 61.8% | 23.0% | 23.3% | -28.6% | 64 | CONSOLIDATING DOWN | +19.0% | 0.0% | +19.3% | +1.9% |
| HOMEFIRST | ₹1,099.80 | 19.9 | 51.4% | 33.7% | 33.3% | -9.0% | 64 | BREAKDOWN | +34.5% | +7.0% | +17.4% | +7.0% |
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| SAMMAANCAP | ₹133.90 | – | – | 21.0% | – | -17.9% | 45 | APPROACHING RESISTANCE | -27.2% | -103.0% | -30.1% | +0.1% |
| AADHARHFC | ₹447.00 | 17.4 | 48.2% | 21.7% | 26.2% | -12.3% | 70 | BREAKOUT | +19.0% | -9.2% | +15.6% | +2.9% |
| REPCOHOME | ₹340.80 | 4.4 | 56.8% | 44.9% | 14.6% | -16.4% | 73 | APPROACHING SUPPORT | +5.6% | -10.1% | +6.8% | +2.5% |
Data from TradeAlone · Updated daily
AAVAS News
Aavas Financiers Limited (aavas) Investor Presentation H1fy27: Milestone Achieved, Growth Sustained2026-10-26Aavas Financiers Limited (NSE: AAVAS) gains 5% intraday2026-08-03Aavas Financiers Limited Appoints Mr. Vellur Gopalaraghavan Kannan as Chairperson and Independent Director2026-07-31Aavas Financiers Limited (AAVAS) shows pressure after breakout, falls 5% intraday2026-07-22Aavas Financiers Limited Q1fy27: AUM Reaches Rs. 239 Bn; PAT Surges 23% Yoy2026-07-21Aavas Financiers Limited Reports Strong Q4FY26 Results2026-05-05
