Want to see IN:AAVAS full AI Analyst Report?
AAVAS Stock Chart & Stats
₹1347.75
-₹3.85(-0.23%)
At close: 4:00 PM EST
₹1347.75
-₹3.85(-0.23%)
Day’s Range― - ―
52-Week Range₹1,050.25 - ₹1,774.95
Previous CloseN/A
Volume77.22K
Average Volume (3M)38.99K
Market Cap
₹98.72B
Enterprise Value₹261.25K
Total Cash (Recent Filing)₹20.64B
Total Debt (Recent Filing)₹160.71B
Price to Earnings (P/E)14.0
Beta0.79
Next Earnings
Oct 22, 2026EPS Estimate
23.25Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)86.73
Shares Outstanding79,294,330
10 Day Avg. Volume53,992
30 Day Avg. Volume38,994
Financial Highlights & Ratios
PEG Ratio0.93
Price to Book (P/B)1.69
Price to Sales (P/S)3.18
P/FCF Ratio11.25
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,800.00Price Target Upside33.56% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)95.29
Revenue Forecast (FY)₹18.24B
Bulls Say, Bears Say
Bulls Say
Strong Revenue And Earnings GrowthRapid multi-year revenue expansion combined with consistently healthy margins indicates that Aavas is scaling its lending franchise while retaining meaningful profitability. This supports internally generated capital, strengthens operating resilience, and provides a durable base for continued loan-book growth over the next several quarters.
Positive Cash Generation QualityPositive operating and free cash flow, closely aligned with reported net income, supports the quality of earnings and gives the lender resources to fund operations and growth. This cash conversion is an important fundamental strength even though annual cash-flow movements remain uneven.
Scaling Balance Sheet With Stable ReturnsSteady expansion in assets and equity alongside stable returns on equity shows that Aavas is growing its balance sheet without a clear deterioration in profitability. Maintaining roughly 12–13% ROE gives the business a credible foundation for compounding while serving its target mortgage borrowers.
Bears Say
Persistent High LeverageA consistently leveraged balance sheet increases Aavas’s sensitivity to funding costs, credit cycles, and liquidity conditions. Although leverage is typical for mortgage lenders, the persistent level can constrain financial flexibility and amplify the effect of weaker asset quality or less favorable funding conditions.
Volatile Cash-flow IndicatorsLarge year-to-year swings in free cash flow and inconsistent operating cash-flow coverage indicate that loan-book and working-capital movements can materially affect reported liquidity. This variability may complicate planning and leave cash generation less dependable during periods of faster balance-sheet expansion.
Unclear Gross-margin ComparabilityAn unusually high FY2026 gross margin compared with earlier periods makes the reported margin trend harder to interpret and reduces confidence in direct period comparisons. Until the classification effect is clearer, investors may have less reliable evidence for assessing the sustainability of underlying operating profitability.
Aavas Financiers Ltd. News
AAVAS FAQ
What was Aavas Financiers Ltd.’s price range in the past 12 months?
Aavas Financiers Ltd. lowest stock price was ₹1050.25 and its highest was ₹1774.95 in the past 12 months.
What is Aavas Financiers Ltd.’s market cap?
Aavas Financiers Ltd.’s market cap is ₹98.72B.
When is Aavas Financiers Ltd.’s upcoming earnings report date?
Aavas Financiers Ltd.’s upcoming earnings report date is Oct 22, 2026 which is in 20 days.
How were Aavas Financiers Ltd.’s earnings last quarter?
Aavas Financiers Ltd. released its earnings results on Jul 21, 2026. The company reported ₹21.555 earnings per share for the quarter, beating the consensus estimate of ₹21.465 by ₹0.09.
Is Aavas Financiers Ltd. overvalued?
According to Wall Street analysts Aavas Financiers Ltd.’s price is currently Undervalued.
Does Aavas Financiers Ltd. pay dividends?
Aavas Financiers Ltd. does not currently pay dividends.
What is Aavas Financiers Ltd.’s EPS estimate?
Aavas Financiers Ltd.’s EPS estimate is 23.25.
How many shares outstanding does Aavas Financiers Ltd. have?
Aavas Financiers Ltd. has 79,294,330 shares outstanding.
What happened to Aavas Financiers Ltd.’s price movement after its last earnings report?
Aavas Financiers Ltd. reported an EPS of ₹21.555 in its last earnings report, beating expectations of ₹21.465. Following the earnings report the stock price went up 1.542%.
Which hedge fund is a major shareholder of Aavas Financiers Ltd.?
Currently, no hedge funds are holding shares in IN:AAVAS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Aavas Financiers Ltd.
Established in 2011 and headquartered in Jaipur, India, Aavas Financiers Limited (known as AU Housing Finance Limited until February 2017) specializes in providing housing finance solutions. The company primarily serves self-employed individuals from low and middle-income segments residing in India's semi-urban and rural areas. Its diverse portfolio of loan products encompasses financing for the acquisition of various residential properties, including flats, houses, bungalows, and resale homes. Additionally, Aavas offers funds for land purchases and new home construction, including self-built residences, as well as home improvement loans for renovations such as tiling, flooring, plastering, and painting. Beyond residential property, the company also provides home equity loans and micro, small, and medium enterprise (MSME) loans to support business expansion, equipment procurement, and working capital needs. Further services include home loan balance transfers and products under the emergency credit line guarantee scheme. As of March 31, 2022, Aavas Financiers operated an extensive network of 314 branches across 13 Indian states, which include Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Delhi, Punjab, Uttarakhand, Himachal Pradesh, Karnataka, and Odisha.
AAVAS Stock 12 Month Forecast
Average Price Target
₹1,800.00
▲(33.56% Upside)
Technical Analysis
Aadhar Housing Finance Ltd
―
Aptus Value Housing Finance India Limited
―
Can Fin Homes Ltd.
―
Home First Finance Company India Ltd.
―
Repco Home Finance Ltd.
―