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 ₹1439.00, up +5.61% on NSE/BSE as of 3 August 2026. Aavas Financiers Ltd (AAVAS) is a Mid-cap company in the Housing Finance Company sector with a market capitalisation of ₹11.90K (Cr). The 52-week high for AAVAS share price is ₹1771.90 and the 52-week low is ₹1060.40. At a P/E ratio of 18.17x, AAVAS is currently trading above its industry average P/E of 16.67x. The company has a Return on Equity (ROE) of 13.92% and a debt-to-equity ratio of 3.11.
Aavas Financiers Ltd Share Price Chart — NSE/BSE Historical Performance
Aavas Financiers Ltd share price chart: -10.44% return over the past month. 52-week high ₹1771.90, 52-week low ₹1060.40.
Aavas Financiers Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹1359.80 | ₹1453.20 | ₹1359.80 | ₹1439.00 | 1.42L (Cr) | |
| ₹1360.10 | ₹1370.40 | ₹1346.20 | ₹1359.80 | 27.07K (Cr) | |
| ₹1387.30 | ₹1387.40 | ₹1355.00 | ₹1362.60 | 32.56K (Cr) | |
| ₹1369.40 | ₹1393.90 | ₹1369.40 | ₹1387.30 | 28.68K (Cr) | |
| ₹1384.00 | ₹1388.90 | ₹1367.80 | ₹1376.10 | 31.60K (Cr) | |
| ₹1398.00 | ₹1398.00 | ₹1380.30 | ₹1390.60 | 20.55K (Cr) | |
| ₹1350.00 | ₹1399.90 | ₹1350.00 | ₹1379.00 | 62.06K (Cr) | |
| ₹1422.20 | ₹1440.00 | ₹1380.00 | ₹1385.90 | 1.25L (Cr) | |
| ₹1523.90 | ₹1544.90 | ₹1425.00 | ₹1444.00 | 4.88L (Cr) | |
| ₹1495.50 | ₹1529.90 | ₹1483.00 | ₹1521.70 | 75.53K (Cr) |
Aavas Financiers Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹1359.80 | ₹1453.20 | ₹1359.80 | ₹1439.00 | +5.82% | |
| ₹1520.00 | ₹1544.90 | ₹1346.20 | ₹1359.80 | -10.54% | |
| ₹1320.20 | ₹1530.00 | ₹1247.60 | ₹1520.80 | +15.19% | |
| ₹1373.00 | ₹1494.90 | ₹1319.40 | ₹1343.10 | -2.18% | |
| ₹1126.10 | ₹1468.00 | ₹1100.00 | ₹1380.70 | +22.61% | |
| ₹1222.00 | ₹1259.50 | ₹1060.40 | ₹1078.00 | -11.78% | |
| ₹1433.80 | ₹1500.00 | ₹1247.00 | ₹1285.60 | -10.34% | |
| ₹1464.00 | ₹1520.00 | ₹1351.10 | ₹1461.30 | -0.18% | |
| ₹1555.80 | ₹1574.90 | ₹1435.00 | ₹1464.00 | -5.90% | |
| ₹1641.80 | ₹1771.90 | ₹1543.90 | ₹1546.50 | -5.80% | |
| ₹1639.90 | ₹1727.80 | ₹1580.40 | ₹1650.00 | +0.62% | |
| ₹1527.90 | ₹1704.00 | ₹1519.10 | ₹1633.90 | +6.94% |
AI Research Briefing
Powered by Gemini · 2026-04-17
Aavas is a mid-cap HFC balancing high growth in affordable housing with leadership uncertainty and promoter pledging risks.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Aavas Financiers clarified on April 13, 2026, that recent speculative news reports about a potential leadership change are not based on company information and are purely speculative. The company stated that stock price fluctuations are driven by market activity and confirmed no material events requiring disclosure under SEBI rules.
CORE STORY (THE REAL GAME)
Aavas is a play on affordable housing finance in Tier II and Tier III cities, targeting low-to-middle income segments. The key is AUM growth and NIM expansion, but the market is also sensitive to leadership stability and promoter actions given the mid-cap nature and relatively high promoter pledging.
- AUM growth of 15% YoY
- NIM expansion of 27 bps YoY
- Focus on affordable housing segment
- Resolution of leadership speculation
- Significant reduction in promoter pledging
- Positive surprise in FY26 audited results
- High promoter pledging (54.05%)
- Speculation around leadership change
- Negative Free Cash Flow
- Micro/SME portfolio liquidity risk
FII decreased stake by 3.89%, DII increased stake by 2.61%
RBI keeping repo rate unchanged is a tailwind, but 'Super El Nino' and Iran war pose inflation risks
No - Free Cash Flow 5Y: ₹-7907.89 Cr
Aavas needs to demonstrate sustainable AUM growth and improved asset quality over the next 6 months. Resolution of leadership concerns is critical for re-rating.
Primary Thesis Risk
Leadership instability and high promoter pledging could derail the growth story.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Aavas Financiers Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
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 (73.78%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (19.46% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (17.51% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (17.74% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Institutional Confidence (FII+DII: 38.43%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
5 factors identified
Suboptimal ROCE (9.92%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 3.11)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.77x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-8247.06 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
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 vs Housing Finance Company Peers
Peer Comparison - Housing Finance Company
Compare Aavas Financiers Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Aavas Financiers LtdAavas Financier...Selected✓ AAVAS • 541988 | 50/100 | ₹1439.00₹1439 | ₹11897.43₹11897.43 | 18.17Average 18.2 Average | 13.92%Average 13.92% Average | 9.92%Poor 9.92% Poor | 3.11Poor 3.1 Poor | 17.74%Excellent 17.74% Excellent | 19.46%Excellent 19.46% Excellent | 0.00% |
Bajaj Housing Finance LimitedBajaj Housing F... BAJAJHFL • 544252 | 54.1/100 | ₹86.02₹86 | ₹72891.30₹72891.30 | 28.35Average 28.4 Average | 12.11%Average 12.11% Average | 8.85%Poor 8.85% Poor | 4.60Poor 4.6 Poor | 41.48%Excellent 41.48% Excellent | 28.72%Excellent 28.72% Excellent | 0.00% |
LIC Housing Finance LtdLIC Housing Fin... LICHSGFIN • 500253 | 40.5/100 | ₹523.10₹523 | ₹30214.98₹30214.98 | 5.39Average 5.4 Average | 14.41%Average 14.41% Average | 8.59%Poor 8.59% Poor | 6.70Poor 6.7 Poor | 15.38%Excellent 15.38% Excellent | 7.72%Good 7.72% Good | 1.82% |
PNB Housing Finance LtdPNB Housing Fin... PNBHOUSING • 540173 | 34.3/100 | ₹1053.10₹1053 | ₹28773.05₹28773.05 | 12.56Average 12.6 Average | 12.70%Average 12.70% Average | 9.40%Poor 9.40% Poor | 3.70Poor 3.7 Poor | 19.70%Excellent 19.70% Excellent | 2.26%Average 2.26% Average | 0.72% |
Aadhar Housing Finance LtdAadhar Housing ... AADHARHFC • 544176 | 39.7/100 | ₹496.70₹497 | ₹22481.19₹22481.19 | 20.28Average 20.3 Average | 15.94%Good 15.94% Good | 11.38%Average 11.38% Average | 2.49Poor 2.5 Poor | 26.64%Excellent 26.64% Excellent | 18.52%Excellent 18.52% Excellent | 0.00% |
Sammaan Capital LtdSammaan Capital... SAMMAANCAP • 535789 | 5.5/100 | ₹162.43₹162 | ₹18981.71₹18981.71 | — — | -3.18%Poor -3.18% Poor | 4.92%Poor 4.92% Poor | 2.73Poor 2.7 Poor | — — | -3.97%Poor -3.97% Poor | 0.00% |
Aptus Value Housing Finance India LtdAptus Value Hou... APTUS • 543335 | 50.9/100 | ₹261.20₹261 | ₹14795.78₹14795.78 | 15.69Average 15.7 Average | 20.11%Excellent 20.11% Excellent | 15.41%Good 15.41% Good | 1.56Average 1.6 Average | 28.71%Excellent 28.71% Excellent | 27.94%Excellent 27.94% Excellent | 1.52% |
Home First Finance Company India LtdHome First Fina... HOMEFIRST • 543259 | 51/100 | ₹1189.00₹1189 | ₹13048.68₹13048.68 | 24.15Average 24.1 Average | 15.71%Good 15.71% Good | 11.13%Average 11.13% Average | 2.43Poor 2.4 Poor | 40.09%Excellent 40.09% Excellent | 31.47%Excellent 31.47% Excellent | 0.42% |
Can Fin Homes LtdCan Fin Homes L... CANFINHOME • 511196 | 45.6/100 | ₹820.60₹821 | ₹12049.83₹12049.83 | 11.10Average 11.1 Average | 19.66%Good 19.66% Good | 9.14%Poor 9.14% Poor | 6.40Poor 6.4 Poor | 18.94%Excellent 18.94% Excellent | 15.88%Excellent 15.88% Excellent | 1.66% |
India Shelter Finance Corporation LimitedIndia Shelter F... INDIASHLTR • 544044 | 63/100 | ₹726.50₹727 | ₹8881.99₹8881.99 | 17.65Average 17.6 Average | 17.04%Good 17.04% Good | 12.84%Average 12.84% Average | 1.95Average 1.9 Average | 41.90%Excellent 41.90% Excellent | 36.98%Excellent 36.98% Excellent | 1.23% |
Repco Home Finance LtdRepco Home Fina... REPCOHOME • 535322 | 28.2/100 | ₹385.10₹385 | ₹2553.76₹2553.76 | 5.37Average 5.4 Average | 12.73%Average 12.73% Average | 10.17%Average 10.17% Average | 3.02Poor 3.0 Poor | 9.63%Good 9.63% Good | 5.43%Good 5.43% Good | 1.10% |
Top Housing Finance Company Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Housing Finance Limited share price72891.30 Cr
- LIC Housing Finance Ltd share price30214.98 Cr
- PNB Housing Finance Ltd share price28773.05 Cr
- Aadhar Housing Finance Ltd share price22481.19 Cr
- Sammaan Capital Ltd share price18981.71 Cr
Aavas Financiers Ltd PE Ratio History
Historical price-to-earnings ratio for AAVAS — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹71.97 | ₹1464.00 | 20.3x |
| FY 2024 | ₹61.93 | ₹1679.55 | 27.1x |
| FY 2023 | ₹54.26 | ₹1532.25 | 28.2x |
| FY 2022 | ₹44.81 | ₹1845.85 | 41.2x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Aavas Financiers Ltd Quarterly Performance
Latest quarterly metrics for AAVAS — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
12.33%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
18.21%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
19.46%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
17.74%
Compounded annual net profit growth over 5 years
Aavas Financiers Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for AAVAS — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Aavas Financiers Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Aavas Financiers Ltd (AAVAS) — sourced from NSE/BSE filings.
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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 Financiers Ltd (AAVAS) trades at ₹1439.00 on NSE and BSE. Market cap ₹11.90K (Cr). Educational data only.
What is the P/E ratio of Aavas Financiers Ltd?
Aavas Financiers Ltd has a P/E of 18.17x vs industry average 16.67x.
What is the Bull Run score for Aavas Financiers Ltd?
Aavas Financiers Ltd has a Bull Run score of 50/100 based on 25+ financial parameters.
Does Aavas Financiers Ltd pay dividends?
Aavas Financiers Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Aavas Financiers Ltd?
Aavas Financiers Ltd has ROE of 13.92%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Aavas Financiers Ltd?
Aavas Financiers Ltd has debt-to-equity of 3.11.
Is Aavas Financiers Ltd a good investment?
Bull Run gives Aavas Financiers Ltd a score of 50/100. This is not investment advice — consult a SEBI-registered advisor.