Aavas Financiers Limited
NSE: AAVAS · Housing Finance Company · sector
₹1,126.10NSE close 2026-10-26
Key numbers
Market cap₹8,929 cr
Price₹1,126.10
52w high / low₹1,772 / ₹1,060
P/E13.0xSector median 12.6x
P/B1.8xSector median 1.2x
Book value₹637.0
Dividend yield–Sector median 1.29%
ROE14.6%Sector median 12.9%
ROA3.24%Sector median 2.52%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y+18.6%Sector median +10.7%
Profit growth 3y+15.1%Sector median +17.7%
PEG0.87x
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 19 companies in Housing Finance Company (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- No dividend in the last 5 financial years.
- Price ₹1,126.10 on 2026-10-26: -36.4% from the 52-week high, +6.2% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹2,166.30 · low ₹1,073.90
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 579 | 597 | 636 | 628 | 667 | 674 | 715 | 709 |
| Net interest income | 579 | 597 | 636 | 628 | 667 | 674 | 715 | 709 |
| Other income | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Net profit | 148 | 146 | 154 | 139 | 164 | 170 | 182 | 171 |
| EPS (₹) | 18.69 | 18.50 | 19.42 | 17.59 | 20.71 | 21.48 | 22.94 | 21.60 |
| Revenue YoY | +15.2% | +13.0% | +12.3% | +12.9% | ||||
| Profit YoY | +10.8% | +16.1% | +18.2% | +23.0% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 1,304 | 1,608 | 2,018 | 2,355 | 2,683 | 2,765 |
| Net profit | 357 | 430 | 491 | 574 | 655 | 687 |
| EPS (₹) | 45.31 | 54.44 | 62.03 | 72.54 | 82.72 | 86.73 |
| Revenue growth | +23.3% | +25.4% | +16.7% | +14.0% | +13.3% | |
| Profit growth | +20.5% | +14.1% | +17.0% | +14.1% | +17.0% | |
| Dividend / share (₹) | – | – | – | – | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +18.6% | +19.5% | +13.3% |
| Net profit | +15.0% | +17.7% | +17.0% |
| EPS | +15.0% | +17.5% | – |
| Share price | – | -16.8% (2y) | -27.1% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Shareholders' equity | – | 3,270 | 3,773 | 4,361 | 5,051 |
| Borrowings | – | 8,316 | 10,933 | 12,122 | 13,558 |
| Cash & equivalents | – | 1,382 | 1,798 | 1,560 | 1,843 |
| Total assets | – | 13,411 | 16,519 | 18,618 | 21,212 |
| Fixed assets | – | 32 | 30 | 30 | 38 |
| Capital work in progress | – | 0 | 0 | 0 | 0 |
| Inventory | – | 0 | 0 | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | -1,136 | -1,910 | -1,987 | -1,660 | -1,386 |
| Cash from investing | -467 | 186 | -647 | 176 | -117 |
| Cash from financing | 1,623 | 1,858 | 2,477 | 1,475 | 1,720 |
| Capex | 16 | 39 | 33 | 30 | 33 |
| Free cash flow | -1,152 | -1,949 | -2,019 | -1,690 | -1,419 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ROE % | – | 13.2% | 13.0% | 13.2% | 13.0% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 48.88% |
| FIIs | 15.20% |
| DIIs | 22.40% |
| of which Mutual funds | 17.85% |
| of which Insurance | 3.39% |
| Government | 0.00% |
| Public (non-institutions) | 13.53% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 26.47% | 26.47% | 48.96% | 48.96% | 48.95% | 48.88% | 48.88% | 48.88% |
| Promoter group | % |
|---|---|
| Aquilo House Pte. Ltd. | 48.88% |
| Aquilo Universe Pte. Ltd. | 0.00% |
| Public holders above 1% | % |
|---|---|
| Hdfc Trustee Company Ltd. A/C Hdfc Balanced Advantage Fund | 3.50% |
| Icici Prudential Banking And Financial Services Fund | 3.14% |
| Sundaram Mutual Fund A/C Sundaram Services Fund | 2.79% |
| Axis Max Life Insurance Limited Ac Reversionary Bonus Participating Equity | 2.73% |
| Uti-Flexi Cap Fund | 2.49% |
| Government Pension Fund Global | 2.29% |
| Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund | 2.19% |
| Abu Dhabi Investment Authority - Monsoon | 2.12% |
| Sbi Banking & Financial Services Fund | 1.93% |
| Massachusetts Institute Of Technology | 1.10% |
| Franklin India Opportunites Fund | 1.03% |
1,08,686 shareholders. Pledged: – of promoter shares.
Peers in Housing Finance Company
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹65,449 cr | 23.3x | 2.7x | 12.4% | 1.96% | – | – | – |
| PNBHOUSING | ₹28,300 cr | 12.0x | 1.5x | 13.0% | 2.51% | – | +9.5% | 0.46% |
| LICHSGFIN | ₹27,377 cr | 4.8x | 0.7x | 14.8% | 1.76% | – | +8.3% | 2.01% |
| AADHARHFC | ₹19,295 cr | 16.8x | 2.6x | 16.4% | 4.16% | – | – | – |
| HOMEFIRST | ₹10,578 cr | 18.1x | 2.4x | 16.9% | 3.83% | – | +34.3% | 0.36% |
| APTUS | ₹9,912 cr | 13.6x | 2.3x | 18.1% | 7.65% | – | +16.9% | 2.27% |
| CANFINHOME | ₹9,666 cr | 8.4x | 1.5x | 19.4% | 2.52% | – | +15.4% | 1.79% |
| SAMMAANCAP | ₹9,363 cr | – | 0.5x | -35.9% | -10.78% | – | +0.7% | 0.00% |
| AAVAS | ₹8,929 cr | 13.0x | 1.8x | 14.6% | 3.24% | – | +18.6% | – |
| INDIASHLTR | ₹6,777 cr | 12.8x | 2.1x | 17.9% | 5.50% | – | – | 0.79% |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial Services: Other Financial Activities
| Sector | Financial Services |
| Industry | Housing Finance Company |
| Sub-industry | Housing Finance Company |
| Symbol | AAVAS |
| BSE code | 541988 |
| ISIN | INE216P01012 |
| Face value | ₹10.0 |
| Incorporated | 2011-02-23 |
| Website | www.aavas.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.