What is Aavas Financiers Ltd's market cap?

Aavas Financiers Ltd (AAVAS) has a market capitalization of ₹11,052 Cr.

What sector is AAVAS in?

Aavas Financiers Ltd operates in the Housing Finance — Lending sector.

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Aavas Financiers Ltd (AAVAS) — Analysis, Financials, Intelligence | The Stock Filter

The Organism · Company Intelligence

Aavas Financiers Ltd

AAVAS|BSE: 541988

Housing Finance — LendingBanking & Financial Institutionswww.aavas.in

₹1,399.90

+₹6.80 (+0.49%)|MCap ₹11,052 Cr

As of 16 Jun 2026 (End of Day)

52W Low ₹1,060.4052W High ₹2,152.90

PE 71.0xMedian PE 40.3xPB 9.0x

Aavas Financiers Ltd. engages in the provision of housing loans to customers belonging to low and middle income segment in semi-urban and rural areas. The company is headquartered in Jaipur, Rajasthan

Secular Currents

Theme Connections

Rural Consumption Real Estate Cycle Banking Credit Growth

Intelligence Profile

TSF Score

63/100

The Vitals · Company Health

Health Indicators

Shenanigan Score

5Clean

Trust Score

X-Ray

Concerns

No significant concerns identified

Watch

Nothing flagged for monitoring

Strengths

🟢Low leverage (D/E: —)Business

The Numbers · Key Metrics

PE Ratio

71.0x

₹11,031 Cr

The Narrator · StoryTel Intelligence

FY2024Housing Finance — LendingProduct Sales ModelModel:Revenue = Home Loan Book × Weighted Average Lending Rate − Cost of Funds + Processing Fees

Key Insight

“Banking franchise in Housing Finance — Lending.”

The Revenue Story

Net Interest Income of ₹1,735 Cr on total income of ₹1,738 Cr.

Total Income₹1,738 Cr

Interest Earned₹1,735 Cr(99.8% of Total Income)

Interest On Advances₹1,735 Cr(99.8% of Total Income)

NII₹1,735 Cr(99.8% of Total Income)

Other Income₹3 Cr(0.2% of Total Income)

The Cost Story

Cost-to-income ratio at 29.0%. Provision coverage at 0.0% of income.

Operating Profit₹1,235 Cr(71.0%)

Employee₹356 Cr(20.5%)

Other OPEX₹147 Cr(8.5%)

Cost To Income₹0.00 Cr(0.0%)

Operating Profit

71.0%

Employee

20.5%

Other OPEX

8.5%

Cost To Income

0.0%

Key Metrics

Net Margin

28.2%

vs median 26.0%

Cost To Income

29.0%

vs median 38.0%

Forward View · Management Guidance

FINANCIALQ3FY26— 0High Impact

“Our AUM grew by 15 percentage Y o Y to Rupees $222,000,000,000.”

GUIDANCEQ3FY26— 1High Impact

“loan growth guidance for '27? Yeah.”

GUIDANCEQ3FY26— 1High Impact

“AUM grow network growth, 16% to 18% in next couple of years.”

The Context · Where does it sit?

Sector Context

The Canopy · Sector KPIs

Sector KPIs

Housing Finance — Lending

KPI	Company	Sector Median
Net Margin	28.2%▲	26.0%
Cost To Income	29.0%▼	38.0%

The Market · What is the market saying?

Market Signals

The Antenna · Media Intelligence

Media Signal

Low Impact

7d+0.23→30d+0.23

Based on 3 articles (0 in last 7 days)

The Numbers · Show me the data

Financials

Revenue₹2,018 Cr

PBT₹625 Cr

EPS₹62.02

(₹ Cr)	TTM	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Revenue	₹2,018 Cr 0.0%	₹2,018 Cr +25.4%	₹1,609 Cr +23.3%	₹1,304 Cr +18.2%	₹1,103 Cr +22.2%	₹903 Cr +27.1%	₹710 Cr
	₹3 Cr +0.0%	₹3 Cr +51.8%	₹2 Cr +53.8%	₹1 Cr -44.5%	₹2 Cr +170.1%	₹0.80 Cr -20.2%	₹1 Cr
Total Income	₹2,021 Cr +0.0%	₹2,021 Cr +25.5%	₹1,611 Cr +23.4%	₹1,306 Cr +18.1%	₹1,106 Cr +22.4%	₹903 Cr +27.0%	₹711 Cr
	₹1,395 Cr -0.0%	₹1,395 Cr +31.4%	₹1,062 Cr +24.5%	₹853 Cr +13.3%	₹753 Cr +25.2%	₹601 Cr +32.7%	₹453 Cr
Profit Before Tax	₹625 Cr +0.0%	₹625 Cr +14.0%	₹548 Cr +21.1%	₹453 Cr +28.4%	₹353 Cr +16.8%	₹302 Cr +17.1%	₹258 Cr
	₹135 Cr +0.0%	₹135 Cr +13.4%	₹119 Cr +21.8%	₹98 Cr +53.2%	₹64 Cr +20.3%	₹53 Cr -35.4%	₹82 Cr
Net Profit	₹491 Cr +0.0%	₹491 Cr +14.2%	₹430 Cr +21.0%	₹355 Cr +22.9%	₹289 Cr +16.0%	₹249 Cr +41.5%	₹176 Cr
Profit (Owners)	₹491 Cr +0.0%	₹491 Cr +14.2%	₹430 Cr +21.0%	₹355 Cr +22.9%	₹289 Cr +16.0%	₹249 Cr +41.5%	₹176 Cr
Other Comprehensive Income	₹0.15 Cr 0.0%	₹0.15 Cr -82.1%	₹0.85 Cr +19.7%	₹0.71 Cr -15.0%	₹0.83 Cr ↑ Recovery	(₹0.05 Cr) ↓ Decline	₹0.23 Cr
EPS	₹62.02	₹62.00	₹54.35	₹45.00	₹36.80	₹31.80	₹22.54
Diluted Shares	₹8 Cr	₹8 Cr	₹8 Cr	₹8 Cr	₹8 Cr	₹8 Cr	₹8 Cr
Fees And Commission	₹9 Cr +12.6%	₹8 Cr -0.2%	₹8 Cr +32.4%	₹6 Cr -7.6%	₹6 Cr +26.2%	₹5 Cr -0.4%	₹5 Cr
Fees And Commission Income	₹87 Cr 0.0%	₹87 Cr +47.8%	₹59 Cr +26.9%	₹46 Cr +26.5%	₹37 Cr +9.9%	₹33 Cr +27.9%	₹26 Cr
Net Gain On Amortised Derecognition	₹180 Cr 0.0%	₹180 Cr +18.3%	₹152 Cr +22.4%	₹124 Cr +43.6%	₹86 Cr +12.8%	₹77 Cr -2.2%	₹78 Cr
Impairment On Financial Instruments	₹24 Cr 0.0%	₹24 Cr +90.2%	₹12 Cr -45.0%	₹23 Cr -39.1%	₹37 Cr +142.1%	₹15 Cr +72.4%	₹9 Cr