Aavas Financiers Ltd Stock Price Today (NSE: AAVAS)
Fundamental Score
Aavas Financiers Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Aavas Financiers Ltd share price today is ₹1078.00, down 2.21% on NSE/BSE as of 30 March 2026. Aavas Financiers Ltd (AAVAS) is a Mid-cap company in the Housing Finance Company sector with a market capitalisation of ₹11.99K (Cr). The 52-week high for AAVAS share price is ₹2234.00 and the 52-week low is ₹1060.40. At a P/E ratio of 19.88x, AAVAS is currently trading above its industry average P/E of 18.03x. The company has a Return on Equity (ROE) of 14.11% and a debt-to-equity ratio of 3.08.
Aavas Financiers Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Aavas Financiers Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
A Conservative Value Investor's Perspective on Aavas Financiers Share Price
As a conservative value investor prioritizing capital safety, analysis of Aavas Financiers share price begins with a rigorous assessment of its financial health and competitive positioning. A unique insight in the Housing Finance Company (HFC) sector is that focused players, those concentrating on specific geographic regions or customer segments, can often achieve higher operational efficiency and risk management compared to broadly diversified lenders. This is especially true when the market is relatively untapped by bigger competitors.
Currently, Aavas Financiers Ltd trades at a PE ratio of 19.88. While this multiple warrants further scrutiny relative to the broader market, a deeper dive into its fundamentals is crucial. A significant metric is the company's Return on Capital Employed (ROCE) of 10.09%. This ROCE, while respectable, is a key determinant of its potential to build a durable competitive advantage, or "moat." Sustained high ROCE, significantly above the cost of capital, indicates the ability to reinvest profits at attractive rates, fueling future growth and strengthening market position. The consistency of this ROCE over several years will be critical to determine whether they will be able to ward off competitors.
When evaluating Aavas Financiers, it’s important to consider its management quality relative to its peers. For instance, comparing it to
GIC Housing Finance Ltd, factors such as strategic decision-making, capital allocation efficiency, and risk management practices become paramount. Observable differences in these areas can significantly impact long-term performance and shareholder value. Aavas's ability to adapt to market changes, especially interest rate fluctuations and regulatory changes, will be a key indicator of its resilience.This preliminary assessment is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra. Further investigation is required to fully understand Aavas Financiers' long-term prospects and its suitability as a conservative investment. This analysis is purely observational and does not constitute financial advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Aavas Financiers Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of AAVAS across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (74.00%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Revenue Growth (15.17%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (21.15% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (17.91% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (18.16% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Institutional Confidence (FII+DII: 40.01%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Risk Factors
5 factors identified
Elevated Debt Levels (D/E: 3.08)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.72x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-7907.89 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
High Share Pledging Risk (54.05%)
Observation: Significant promoter share pledging creates potential overhang.
Analysis: High pledging levels may create selling pressure during market downturns.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Aavas Financiers Ltd Financial Statements
Comprehensive financial data for Aavas Financiers Ltd including income statement, balance sheet and cash flow
About AAVAS (Aavas Financiers Ltd)
Aavas Financiers Ltd is a housing finance company committed to serving the underserved communities in India's semi-urban and rural landscapes. Operating with a strong focus on fina...ncial inclusion, Aavas provides a range of tailored loan products designed to meet the unique needs of low- and middle-income families aspiring to own a home. Beyond simply providing financial assistance, Aavas aims to empower individuals and families, enabling them to build a better future through homeownership. With a deep understanding of the local markets and a customer-centric approach, Aavas is dedicated to making the dream of owning a home a reality for those who have traditionally faced barriers to accessing formal financial services. They focus on transparency and ethical lending practices in their operations. Aavas specializes in offering a comprehensive suite of housing finance solutions, including loans for the purchase of new or resale homes, construction loans for those building their own residences, and home improvement loans for renovations and upgrades. Understanding the diverse needs of its customer base, Aavas also provides loans against property, catering to individuals and small business owners seeking to unlock the value of their existing assets. They also offer micro, small, and medium enterprise loans, specifically designed to support the growth and development of local businesses, contributing to the economic prosperity of the communities they serve. Aavas distinguishes itself through its commitment to responsible lending and its deep understanding of the financial needs of its target customer segment. With a network of branches strategically located in underserved regions, Aavas ensures accessibility and personalized service to its customers. The company invests in building strong relationships with its borrowers, providing financial literacy and support to help them manage their loans effectively. Aavas strives to be more than just a lender, acting as a trusted partner in their customers' journey towards homeownership and financial security.
Company Details
Key Leadership
Corporate Events
AAVAS Share Price: Frequently Asked Questions
What is the current share price of Aavas Financiers Ltd (AAVAS)?
As of 30 Mar 2026, 12:06 pm IST, Aavas Financiers Ltd share price is ₹1078.00. The AAVAS stock has a market capitalisation of ₹11.99K (Cr) on NSE/BSE.
Is AAVAS share price Overvalued or Undervalued?
AAVAS share price is currently trading at a P/E ratio of 19.88x, compared to the industry average of 18.03x. Based on this relative valuation, the Aavas Financiers Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of AAVAS share price?
The 52-week high of AAVAS share price is ₹2234.00 and the 52-week low is ₹1060.40. These values are updated daily from NSE/BSE price data.
What factors affect the Aavas Financiers Ltd share price?
Key factors influencing AAVAS share price include quarterly earnings growth (Sales Growth: 15.17%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Aavas Financiers Ltd a good stock for long-term investment?
Aavas Financiers Ltd shows a 5-year Profit Growth of 18.16% and an ROE of 14.11%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.08 before investing in AAVAS shares.
How does Aavas Financiers Ltd compare with its industry peers?
Aavas Financiers Ltd competes with major peers in the Housing Finance Company. Investors should compare AAVAS share price P/E of 19.88x and ROE of 14.11% against the industry averages to determine competitive standing.
What is the P/E ratio of AAVAS and what does it mean?
AAVAS share price has a P/E ratio of 19.88x compared to the industry average of 18.03x. Investors pay ₹20 for every ₹1 of annual earnings.
How is AAVAS performing according to Bull Run's analysis?
AAVAS has a Bull Run fundamental score of 29.6/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does AAVAS belong to?
AAVAS operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Aavas Financiers Ltd share price.
What is Return on Equity (ROE) and why is it important for AAVAS?
AAVAS has an ROE of 14.11%, which shows decent profitability but room for improvement. ROE measures how efficiently Aavas Financiers Ltd generates profits from shareholders capital.
How is AAVAS debt-to-equity ratio and what does it indicate?
AAVAS has a debt-to-equity ratio of 3.08, which indicates high leverage that increases financial risk.
What is AAVAS dividend yield and is it a good dividend stock?
AAVAS offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Aavas Financiers Ltd shares.
How has AAVAS share price grown over the past 5 years?
AAVAS has achieved 5-year growth rates of: Sales Growth 21.15%, Profit Growth 18.16%, and EPS Growth 17.91%.
What is the promoter holding in AAVAS and why does it matter?
Promoters hold 48.96% of AAVAS shares, with 54.05% pledged. High promoter holding often indicates strong management confidence in Aavas Financiers Ltd.
What is AAVAS market capitalisation category?
AAVAS has a market capitalisation of ₹11994 crores, placing it in the Mid-cap category.
How volatile is AAVAS stock?
AAVAS has a beta of N/A. A beta > 1 suggests the Aavas Financiers Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is AAVAS operating profit margin trend?
AAVAS has a 5-year average Operating Profit Margin (OPM) of 74.00%, indicating the company's operational efficiency.
How is AAVAS quarterly performance?
Recent quarterly performance shows Aavas Financiers Ltd YoY Sales Growth of 15.17% and YoY Profit Growth of 10.83%.
What is the institutional holding pattern in AAVAS?
AAVAS has FII holding of 25.88% and DII holding of 14.13%. Significant institutional holding often suggests professional confidence in the Aavas Financiers Ltd stock.