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Aavas Financiers Limited (AAVAS.NS)
Jaipur, IN
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.27% | -3.37% | +11.51% | +6.00% | -18.60% | -5.26% | -26.02% | -5.08% | -39.30% | +79.12% | +79.12% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 4 | +1 |
| Buy | 12 | 0 |
| Hold | 3 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth Financial - Mortgages: +18.2%+35.1% ★ Q1'26: +66.8% (vs Q1'25)
-
EPS growth Financial - Mortgages: +18.3%+14.9% Q1'26: +19.1% (vs Q1'25)
-
FCF margin FCF growth · Financial - Mortgages: +84.8%+29.0% Q1'26: -19.9% (vs Q1'25)
-
EBIT margin Financial - Mortgages: +34.8%+31.3% Q1'26: +32.3% (vs Q1'25)
-
ROIC Financial - Mortgages: +4.9%+3.5% Q1'26: +3.8% (vs Q1'25)
-
Share dilution Financial - Mortgages: 0.0%-0.8% ★ Q1'26: -0.8% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×17.75× Q1'26: 16.16× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 11 Rev. Ana. 11 EPS Ana. |
Mar 2027 12 Rev. Ana. 11 EPS Ana. |
Mar 2028 12 Rev. Ana. 12 EPS Ana. |
Mar 2029 4 Rev. Ana. 3 EPS Ana. |
Mar 2030 3 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
5.86B
est: 4.56B (+28.6%)
|
7.70B
est: 6.23B (+23.6%)
|
9.36B
est: 6.49B (+44.1%)
|
11.11B
est: 8.20B (+35.4%)
|
13.56B
est: 10.19B (+33.1%)
|
16.80B
est: 11.93B (+40.9%)
|
19.88B
est: 13.55B (+46.7%)
|
15.75B
15.51B – 15.89B
+16.2% YoY
|
18.56B
16.69B – 27.87B
+17.8% YoY
|
21.69B
19.72B – 33.14B
+16.9% YoY
|
25.08B
24.95B – 25.20B
+15.6% YoY
|
28.35B
25.64B – 42.96B
+13.0% YoY
|
| EBITDA |
2.68B
est: 1.86B (+43.5%)
|
3.24B
est: 293.61M (+1,003.5%)
|
3.75B
est: -283.64M (+1,423.3%)
|
4.80B
est: -339.45M (+1,513.0%)
|
5.81B
est: -399.36M (+1,555.0%)
|
6.63B
est: 4.71B (+40.7%)
|
7.74B
est: 5.42B (+42.8%)
|
6.22B
6.12B – 6.27B
+14.6% YoY
|
7.32B
6.59B – 11.00B
+17.8% YoY
|
8.56B
7.78B – 13.08B
+16.9% YoY
|
9.90B
9.85B – 9.95B
+15.6% YoY
|
11.19B
10.12B – 16.96B
+13.0% YoY
|
| EBIT |
2.58B
est: 1.77B (+45.6%)
|
3.04B
est: 2.42B (+25.7%)
|
3.55B
est: 2.52B (+40.6%)
|
4.56B
est: 3.19B (+43.0%)
|
5.52B
est: 3.96B (+39.5%)
|
6.30B
est: 4.48B (+40.7%)
|
7.38B
est: 5.09B (+45.0%)
|
5.91B
5.82B – 5.96B
+16.2% YoY
|
6.97B
6.27B – 10.46B
+17.8% YoY
|
8.14B
7.40B – 12.44B
+16.9% YoY
|
9.41B
9.37B – 9.46B
+15.6% YoY
|
10.64B
9.63B – 16.13B
+13.0% YoY
|
| Net Income |
1.76B
est: 1.81B (-2.8%)
|
2.49B
est: 2.31B (+8.0%)
|
2.89B
est: 2.78B (+3.8%)
|
3.55B
est: 3.33B (+6.6%)
|
4.30B
est: 3.92B (+9.7%)
|
4.91B
est: 5.07B (-3.2%)
|
5.74B
est: 5.87B (-2.2%)
|
6.55B
6.47B – 6.71B
+11.5% YoY
|
7.72B
7.31B – 8.28B
+17.9% YoY
|
9.33B
8.34B – 9.99B
+20.8% YoY
|
10.75B
10.09B – 10.91B
+15.2% YoY
|
12.22B
10.70B – 20.41B
+13.7% YoY
|
| SGA |
120.04M
est: 77.73M (+54.4%)
|
181.46M
est: 2.28B (-92.1%)
|
124.37M
est: 2.29B (-94.6%)
|
221.61M
est: 2.75B (-91.9%)
|
308.04M
est: 3.23B (-90.5%)
|
304.54M
est: 171.74M (+77.3%)
|
222.52M
est: 2.46B (-91.0%)
|
226.79M
223.40M – 228.79M
-90.8% YoY
|
267.20M
240.31M – 401.28M
+17.8% YoY
|
312.39M
283.90M – 477.20M
+16.9% YoY
|
361.11M
359.33M – 362.90M
+15.6% YoY
|
408.22M
369.19M – 618.68M
+13.0% YoY
|
| EPS |
23.66
est: 22.69 (+4.3%)
|
31.85
est: 31.88 (-0.1%)
|
36.87
est: 35.37 (+4.2%)
|
45.10
est: 44.56 (+1.2%)
|
54.38
est: 54.73 (-0.6%)
|
62.03
est: 64.07 (-3.2%)
|
72.54
est: 74.03 (-2.0%)
|
83.15
81.69 – 84.76
+12.3% YoY
|
97.93
92.32 – 104.65
+17.8% YoY
|
115.81
105.34 – 126.17
+18.3% YoY
|
133.41
127.51 – 137.84
+15.2% YoY
|
154.35
135.17 – 257.80
+15.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-11 | B | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-08 | B | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-07 | B | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-06 | B | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-05 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-16 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-15 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Sachinderpalsingh Jitendrasingh Bhinder | Chief Executive Officer, MD & Director | 33M | male |
| Sharad Pathak | Chief Compliance Officer | 8M | male |
| Saurabh Sharma | Company Secretary & Compliance Officer | 150.0K | male |
| Ghanshyam Rawat | Co-Founder, President & Chief Financial Officer | — | male |
| Jijy Oommen | Chief Technology Officer | — | female |
| Kamal Sampatkumar Mundra | AVP of Finance & Treasury | — | male |
| Manu Yeshpal Singh | MD & CEO | — | male |
| Mukesh Agarwal | Senior Vice President of Accounts | — | male |
| Punit Khandelwal | VP Finance & Treasury | — | male |
| Rahul Khandelwal | VP of Finance & Treasury | — | male |
| Rajaram Balasubramaniam | Chief Strategy Officer & Head of Analytics | — | male |
| Rakesh Shinde | Head of Investor Relations | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for AAVAS.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
