Aavas Financiers

Who are in the management team of Aavas Financiers?

As of March 2023, Aavas Financiers' management team includes Sandeep Tandon (Chairperson), Sachinderpalsingh Jitendrasingh Bhinder (Managing Director & CEO), and several independent directors and nominees. The team consists of a diverse mix of leadership and compliance roles.

As of March 2023, the management team of Aavas Financiers includes the following members:<BR><BR>1. Kalpanaiyer - Independent Director<BR>2. Sandeep Tandon - Chairperson and Independent Director<BR>3. Ramachandra Kasargod Kamath - Nominee<BR>4. Vivek Vig - Nominee<BR>5. Nishant Sharma - Nominee<BR>6. Manas Tandon - Nominee<BR>7. Kartikeya Dhruv Kaji - Nominee<BR>8. Sharad Pathak - Company Secretary & Compliance Officer<BR>9. Soumya Rajan - Independent Director<BR>10. Sachinderpalsingh Jitendrasingh Bhinder - Managing Director & CEO<BR><BR>The team comprises a mix of independent directors, nominees, and key management personnel.

Has Aavas Financiers declared dividend?

No Dividend History Available

Who are the peers of the Aavas Financiers?

Aavas Financiers' peers include Bajaj Housing, LIC Housing Finance, PNB Housing, Aadhar Housing Finance, Aptus Value Housing, Home First Finance, Can Fin Homes, Sammaan Capital, and INDIA SHELTE FIN. Aavas has good management and growth ratings, with a 1-year return of 7.25%, compared to PNB Housing's highest return of 38.17% and LIC Housing's lowest at -21.02%.

Peers: The peers of Aavas Financiers are Bajaj Housing, LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, Can Fin Homes, Sammaan Capital, INDIA SHELTE FIN.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at Aavas Financiers, LIC Housing Fin., Home First Finan, and INDIA SHELTE FIN. Average management risk is present at Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., and Sammaan Capital. For Growth, Excellent growth is noted at Home First Finan and Bajaj Housing, while Good growth is seen at Aadhar Hsg. Fin., Aptus Value Hou., and Aavas Financiers. Below Average growth is found at LIC Housing Fin., PNB Housing, and Sammaan Capital. Excellent capital structure is seen at Aavas Financiers, Bajaj Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, and INDIA SHELTE FIN, while Average capital structure is noted at LIC Housing Fin. and PNB Housing, and Good capital structure is present at Can Fin Homes.<BR><BR>Return Snapshot: The peer with the highest 1-year return is PNB Housing at 38.17%, while the lowest is LIC Housing Fin. at -21.02%. Aavas Financiers has a 1-year return of 7.25%, which is higher than LIC Housing Fin. but lower than PNB Housing. Additionally, Sammaan Capital and Can Fin Homes have negative six-month returns.

What does Aavas Financiers do?

Aavas Financiers Ltd. is a mid-cap Housing Finance Company offering various loan products such as Home Loans and MSME Business Loans. As of March 2025, it reported net sales of ₹6,362 Cr and a net profit of ₹1,537 Cr, with a market cap of ₹15,314 Cr.

Overview:<BR>Aavas Financiers Ltd. is a mid-cap Housing Finance Company that primarily offers various loan products including Home Loans, Home Construction Loans, Loan against Property, Home Improvement Loans, and MSME Business Loans.<BR><BR>History:<BR>Aavas Financiers Ltd. is registered as a Housing Finance Company with the National Housing Bank. The company falls under the category of Middle Layer Non-Banking Financial Company as per the Scale Based Regulation by the Reserve Bank of India. The latest quarterly results reported are for March 2025, showing net sales and profit figures.<BR><BR>Financial Snapshot:<BR>Net Sales: 6,362 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 1,537 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: INR 15,314 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: 31.00 <BR>Industry P/E: 13 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 3.29 <BR>Return on Equity: 13.00% <BR>Price to Book: 4.10 <BR><BR>Contact Details:<BR>Address: 201-202 2nd Floor Southend, Square Mansarvor Industrial Ar Jaipur Rajasthan : 302020 <BR>Tel: 91-141-6618800 <BR>Email: ipo@aavas.in <BR>Website: http://www.aavas.in

Who are the top shareholders of the Aavas Financiers?

The top shareholders of Aavas Financiers include Lake District Holdings Limited with 15.6%, Aquilo House Pte. Ltd. at 22.5%, and foreign institutional investors holding 29.67%. Individual investors own 8.32% of the shares, while mutual funds account for 7.93% through 24 schemes.

The top shareholders of Aavas Financiers include a mix of institutional and individual investors. The largest promoter is Lake District Holdings Limited, holding 15.6% of the shares. Among public shareholders, Aquilo House Pte. Ltd. has the highest stake at 22.5%. Additionally, foreign institutional investors (FIIs) collectively hold 29.67% of the company, while mutual funds are represented by 24 schemes, accounting for 7.93%. Individual investors also have a notable presence, holding 8.32% of the shares.

How big is Aavas Financiers?

As of 24th July, Aavas Financiers Ltd. has a market capitalization of 15,116.00 Cr, with net sales of 2017.90 Cr and a net profit of 490.69 Cr for the latest four quarters. The balance sheet as of March 2024 shows shareholder's funds of 3,773.32 Cr and total assets of 16,519.45 Cr.

As of 24th July, Aavas Financiers Ltd. has a market capitalization of 15,116.00 Cr, categorizing it as a Mid Cap company.<BR><BR>For the latest four quarters, Aavas Financiers reported net sales of 2017.90 Cr and a net profit of 490.69 Cr.<BR><BR>As of March 2024, the balance sheet shows shareholder's funds of 3,773.32 Cr and total assets amounting to 16,519.45 Cr.

Are Aavas Financiers latest results good or bad?

Aavas Financiers' latest results show strong growth in net interest income and profit, but the stock's high valuation and recent underperformance in the housing finance sector raise concerns about sustainability. Overall, the results are good in terms of growth, but caution is advised for investors.

Aavas Financiers' latest results present a mixed picture. On one hand, the company has shown commendable growth in its core lending operations, with net interest income increasing by 7.47% sequentially to ₹546.02 crores in Q2 FY26. The net profit also rose significantly, up 22.07% quarter-on-quarter to ₹142.48 crores, reflecting a year-on-year growth of 12.34%. Additionally, the operating profit before depreciation, interest, and tax (PBDIT) reached ₹408.02 crores, marking a 9.11% sequential increase.<BR><BR>However, the stock trades at a high valuation of 26 times trailing earnings, which is double the industry average of 13 times. This premium pricing raises concerns about the sustainability of the current price levels, especially considering the company's underperformance relative to the housing finance sector over the past year. The company's debt-to-equity ratio of 3.29 times also indicates elevated leverage, which could pose risks in a rising interest rate environment.<BR><BR>In summary, while Aavas Financiers demonstrates strong operational fundamentals and growth potential, its high valuation and recent underperformance suggest caution for investors. The results are good in terms of growth metrics, but the valuation and market performance raise critical questions about future sustainability.

How has been the historical performance of Aavas Financiers?

Aavas Financiers has shown consistent growth in net sales and profitability, with net sales increasing from 710.17 Cr in Mar'19 to 2,017.90 Cr in Mar'24, and profit after tax rising from 176.03 Cr to 490.69 Cr in the same period. Despite negative cash flow from operating activities, the company has demonstrated robust revenue growth and improved shareholder value.

Answer:<BR>The historical performance of Aavas Financiers shows a consistent growth trajectory in net sales and profitability over the years.<BR><BR>Breakdown:<BR>Aavas Financiers has demonstrated significant growth in net sales, increasing from 710.17 Cr in Mar'19 to 2,017.90 Cr in Mar'24. This upward trend is mirrored in total operating income, which rose from 493.57 Cr in Mar'18 to 2,017.90 Cr in Mar'24. The company’s operating profit (PBDIT) also saw a substantial increase, reaching 1,486.40 Cr in Mar'24, up from 332.96 Cr in Mar'18. Profit before tax followed a similar pattern, climbing from 257.85 Cr in Mar'19 to 625.37 Cr in Mar'24, while profit after tax rose from 176.03 Cr in Mar'19 to 490.69 Cr in Mar'24. The earnings per share (EPS) improved significantly from 22.54 in Mar'19 to 62.0 in Mar'24, reflecting enhanced shareholder value. On the balance sheet, total assets grew from 5,626.90 Cr in Mar'19 to 16,519.45 Cr in Mar'24, while total liabilities increased from 5,626.90 Cr to 12,336.50 Cr in the same period. Cash flow from operating activities has been negative, with -1,986.00 Cr reported in Mar'24, although cash flow from financing activities showed a positive trend, reaching 2,477.00 Cr in the same year. Overall, Aavas Financiers has shown robust growth in revenue and profitability, despite challenges in cash flow management.

Should I buy, sell or hold Aavas Financiers?

Is Aavas Financiers technically bullish or bearish?

As of December 1, 2025, Aavas Financiers exhibits a bearish trend supported by multiple indicators, including bearish MACD readings, Bollinger Bands, and moving averages, while underperforming the Sensex.

As of 1 December 2025, the technical trend for Aavas Financiers has changed from mildly bearish to bearish. The current stance is bearish with a strong indication from multiple indicators. Both the weekly and monthly MACD are bearish, and Bollinger Bands also reflect a bearish trend in both time frames. Daily moving averages confirm a bearish outlook as well. The KST shows a mildly bullish signal on the weekly but is mildly bearish on the monthly, indicating some divergence. Dow Theory supports a mildly bearish stance in both weekly and monthly assessments. Overall, the strength of the bearish trend is reinforced by the stock's performance, which has underperformed the Sensex across various time frames.

Is Aavas Financiers overvalued or undervalued?

As of December 3, 2025, Aavas Financiers is considered overvalued with a PE ratio of 23.71, significantly higher than its peers, and has underperformed the Sensex with a year-to-date return of -12.35%.

As of 3 December 2025, Aavas Financiers has moved from a valuation grade of very expensive to expensive, indicating a shift in perception regarding its market valuation. The company is currently considered overvalued based on its key financial ratios, which include a PE ratio of 23.71, an EV to EBITDA of 14.99, and a Price to Book Value of 3.08. <BR><BR>In comparison to its peers, Aavas Financiers' PE ratio is significantly higher than that of LIC Housing Finance, which has a PE of 5.45, and PNB Housing, which stands at 10.73, suggesting that Aavas is trading at a premium relative to these companies. Additionally, while Aavas has a PEG ratio of 1.81, indicating potential growth, it is still higher than the PEG of HUDCO at 1.18. Recent stock performance shows that Aavas has underperformed the Sensex, with a year-to-date return of -12.35% compared to the Sensex's gain of 8.92%, reinforcing the view that the stock may be overvalued in the current market environment.

When is the next results date for Aavas Financiers Ltd.?

Aavas Financiers Ltd. will announce its results on 05 February 2026.

Aavas Financiers Ltd. is scheduled to declare its results on 05 February 2026.

Why is Aavas Financiers Ltd. falling/rising?

As of 02-Feb, Aavas Financiers Ltd. is facing a stock price decline to 1,447.05, down 0.38%, with a total drop of 3% over the last four days. The stock has underperformed significantly compared to the Sensex, with a one-year return of -13.73% and a three-year decline of -22.22%, compounded by decreased investor participation and a high Price to Book Value ratio.

As of 02-Feb, Aavas Financiers Ltd. is experiencing a decline in its stock price, currently at 1,447.05, reflecting a change of -5.5 (-0.38%). The stock has been on a downward trend, having fallen for the last four consecutive days, resulting in a total decline of -3% during this period. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish sentiment among investors.<BR><BR>The stock's performance over various time frames shows a significant underperformance compared to the benchmark Sensex. Over the past year, Aavas Financiers has generated a return of -13.73%, while the Sensex has increased by 5.37%. Furthermore, in the last three years, the stock has declined by -22.22%, contrasting sharply with the Sensex's growth of 36.26%. This long-term underperformance is compounded by a high Price to Book Value ratio of 3, which suggests that the stock is considered expensive relative to its peers.<BR><BR>Investor participation has also decreased, with delivery volume dropping by -82.06% compared to the 5-day average, indicating a lack of interest or confidence among investors. Additionally, a significant portion of promoter shares, 54.05%, are pledged, which can exert additional downward pressure on the stock price in a declining market.<BR><BR>Despite some positive factors, such as strong long-term fundamental strength and healthy growth in net sales and operating profit, these have not been enough to counteract the negative sentiment surrounding the stock. Overall, the combination of recent price declines, poor performance relative to benchmarks, and reduced investor participation contributes to the falling stock price of Aavas Financiers Ltd.

Which are the latest news on Aavas Financiers?