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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)24.46K
Market Cap
₹99.80B
Enterprise Value₹261.25K
Total Cash (Recent Filing)₹20.64B
Total Debt (Recent Filing)₹160.71B
Price to Earnings (P/E)15.0
Beta0.73
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. Volume11,199
30 Day Avg. Volume24,457
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)95.85
Revenue Forecast (FY)₹18.24B
Bulls Say, Bears Say
Bulls Say
Strong Revenue Growth And MarginsConsistent, accelerating revenue growth alongside healthy net margins indicates durable earnings power from core lending operations. This supports internal cash generation, capacity to reinvest in growth, and resilience to cyclical headwinds, underpinning multi-month to multi-year profitability.
Secured Lending In Underserved MarketsA focused, branch-led model in underserved semi-urban/rural segments gives a structural distribution advantage and product-market fit. Secured mortgage lending to this niche tends to lower loss severity and supports stable collateralized cash flows, creating a defensible, repeatable origination footprint.
Scaling Balance Sheet With Stable ROESteady asset and equity growth with a consistent ~12–13% ROE indicates the company is expanding the loan book while preserving return on capital. That mix of scale and return suggests sustainable capital deployment and supports long-term shareholder value creation if underwriting standards hold.
Bears Say
High Leverage And Funding SensitivityA structural debt-to-equity near 3x is typical for mortgage lenders but materially increases sensitivity to funding-cost moves and liquidity squeezes. Reliance on external borrowings raises refinancing and margin-compression risk during tighter credit conditions and can constrain capital flexibility.
Volatile Operating And Free Cash FlowIrregular operating cash flow and volatile free cash flow growth create unpredictability in liquidity and planning. This variability can force greater reliance on external funding, constrain branch expansion or buffer creation, and raise execution risk during periods of stress or higher credit costs.
Inconsistent Gross-profit ReportingSharp swings or one-off movements in gross margin reduce comparability and complicate forecasting of core underwriting economics. If margin improvements reflect accounting or non-recurring items, they may not persist, undermining confidence in sustainable operating efficiency and earnings predictability.
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 ₹99.80B.
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 47 days.
How were Aavas Financiers Ltd.’s earnings last quarter?
Aavas Financiers Ltd. released its earnings results on Jul 21, 2026. The company reported ₹21.51 earnings per share for the quarter, beating the consensus estimate of ₹21.465 by ₹0.045.
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 ₹21.51 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
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