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On 6 Nov 2026, Aavas Financiers was priced at ₹1,137.70, or 12.9× trailing earnings, and the shares are 36% below their 52-week high. It earns ROE of 14%, and net profit grew 15% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.67× book value. It is a small-cap company with a market cap of ₹9,021 Cr, ranked 8th of 21 Mortgage Finance companies by market cap; the shares fell 31% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹1,128.50
Day high
₹1,147.00
Day low
₹1,117.00
Prev. close
₹1,134.20
Volume
98.4K

Health check

1 good · 2 fair · 3 to check
  • ReturnsBehind

    −30.9% over a year, better than 0 of 7 peers.

  • Price tagIn line

    P/B 1.67 vs peer median 1.55.

  • GrowthSlow

    Profit +15.1% a year over 3 years.

  • ProfitabilityAverage

    ROE 14.0% vs peer median 14.3%.

  • Balance sheetSolid

    Return on assets 3.37%. Bad-loan data isn’t covered.

  • Red flags1 to check

    36% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Mortgage Finance

20 listed peers. Screen the industry

Small cap

₹9,021 Cr, #8 of 21 in its industry by size.

Defensive

Beta 0.60 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹1,648 Cr · profit ₹705 Cr
Market cap
₹9,021 Cr
Small cap
P/E
12.9
Industry 12.2
Price to book
1.67
Peers 1.55
Dividend yield
0.00%
ROE
14.0%
Peers 14.3%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹88.41
Face value ₹10
OPM (TTM)
27.2%
Net margin 42.7%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+10.7%
Latest quarter vs a year ago
Price to sales
5.47

Strengths and risks

Risks to check

  • 36% below its 52-week high.

No standout strengths in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Aavas Financiers

Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India. The company offers home loans for flats, houses, and bungalows; home construction loans for residential houses; resale property purchase loans, and home improvement loans, including loans for tiling or flooring, plaster or painting, etc. It also provides loans against property; micro, small, and medium enterprise loans;…

Headquarters
Jaipur
Employees
7,649
Sector
Financial Services
ISIN
INE216P01012
Website
aavas.in

Price range

52 weeks

₹1,055.30₹1,771.90

Today

₹1,117.00₹1,147.00
Avg volume (3M)
1.3 L
1-year return
minus 30.9%
From 52-week high
minus 35.8%

Analyst consensus

21 analysts
BuyMean target ₹1,568.71 plus 37.9%

Target range, with today’s price

Low ₹1,166.00High ₹2,456.00

Today’s price ₹1,137.70 is below the lowest analyst target.

Next results expected around 20 Jan 2027

Consensus from Yahoo Finance. Not a recommendation.

Peers · Mortgage Finance

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJAJHFLBajaj Housing Finance80.00minus 3.80%66,63223.72.7712.4%2.2%26.7%0.00%minus 24.1%
LICHSGFINLIC Housing Finance536.00plus 1.32%29,4835.00.6714.3%1.8%24.7%1.87%minus 7.8%
PNBHOUSINGPNB Housing Finance1,100.20plus 0.02%28,69412.21.4212.3%2.5%29.9%0.73%plus 18.1%
AADHARHFCAadhar Housing Finance429.65minus 1.96%18,83616.12.4815.8%–26.2%0.00%minus 13.9%
SAMMAANCAPSammaan Capital132.27minus 1.12%16,343–0.57−35.0%––0.00%minus 28.2%
HOMEFIRSTHome First Finance Company India1,090.90minus 1.13%11,40818.52.4414.3%4.0%33.3%0.48%minus 7.7%
CANFINHOMECan Fin Homes748.95plus 0.72%9,9738.61.5519.4%2.6%20.5%2.14%minus 13.7%
AAVASAavas Financiers1,137.70plus 0.31%9,02112.91.6714.0%3.4%15.1%0.00%minus 30.9%
Median of 7 peers–−1.12%18,83614.21.5514.3%2.5%26.5%0.48%−13.7%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrSep 25Dec 25Mar 26Jun 26Sep 26
591602627642660
438436465465476
154166162177184
26.0%27.6%25.8%27.6%27.9%
0.40.40.20.40.5
10.711.111.911.112.2
67.9648153.963.1
211219231220236
22.4%22.5%21.3%22.2%23.0%
164170182171182
20.5521.3222.7821.5122.80

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+15.1%
EPS CAGR 3Y
+14.8%
ROE
14.0%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
1,3561,6801,9882,273
–+23.9%+18.3%+14.3%
1,0151,3311,5551,759
340349432513
25.1%20.7%21.8%22.6%
91.5142139119
3.95.55.26.2
28.732.736.543.1
149172203257
548624733840
21.7%21.4%21.6%22.1%
430491574655
–+14.2%+17.0%+14.1%
54.2661.9371.9782.14

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
79.179.179.279.3
3,1913,6944,2824,972
9,88712,41213,91815,686
253334339476
13,41016,51918,61821,213
74.285.492.1124
266318367491
1,5402,0261,8422,133
11,52914,09016,31718,464
13,41016,51918,61821,213

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−1,924−2,001−1,660−1,386
196−646176−117
1,8582,4911,4751,720
130−156−9.2217
−39−32.7−30.1−32.8
−1,963−2,033−1,690−1,419

Shareholding pattern

Source: NSE filings

NSE hasn’t returned a shareholding pattern for this company. Institutions hold about 31.3% (Yahoo estimate).

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you