Aavas Financiers

Why is Aavas Financiers Ltd. falling/rising?

As of 04-Aug, Aavas Financiers Ltd. is experiencing a stock price decline to 1,390.70, down 3.22%. This drop is due to underperformance against the market, significant declines over various periods, and negative trading activity today.

As of 04-Aug, Aavas Financiers Ltd. is experiencing a decline in its stock price, currently at 1,390.70, which reflects a change of -46.2 or -3.22%. This drop can be attributed to several factors highlighted in the provided data. <BR><BR>Firstly, the stock has underperformed compared to the broader market, specifically the Sensex, which has risen by 2.17% over the past week while Aavas Financiers has only increased by 1.11%. Over the past month, the stock has seen a significant decrease of 7.62%, contrasting with a modest gain of 0.86% in the Sensex. Additionally, the stock's performance over the past year shows a substantial decline of 18.57%, while the Sensex has only fallen by 3.20%. <BR><BR>Today's trading session indicates that the stock has touched an intraday low of Rs 1387, down by 3.47%, and has underperformed its sector by 3.43%. The weighted average price suggests that more volume was traded closer to this low price, indicating a lack of buying interest at higher levels. <BR><BR>Despite some positive indicators, such as a strong long-term fundamental strength with an average Return on Equity (ROE) of 13.00% and a fair valuation, the stock is trading at a premium compared to its peers. The recent increase in delivery volume by 353.82% against the 5-day average suggests rising investor participation, but this has not translated into a price increase, highlighting a disconnect between trading activity and stock performance.<BR><BR>In summary, the combination of underperformance relative to the market, significant declines over various periods, and today's negative trading activity contribute to the falling stock price of Aavas Financiers Ltd.

Which are the latest news on Aavas Financiers?

Should I buy, sell or hold Aavas Financiers Ltd.?

What does Aavas Financiers do?

Aavas Financiers Ltd. is a Housing Finance Company that provides Home Loans and MSME Business Loans, operating in the small-cap segment with a market cap of INR 10,174 Cr. As of March 2026, it reported net sales of 715 Cr and a net profit of 182 Cr.

Overview: <BR>Aavas Financiers Ltd. is a Housing Finance Company operating in the small-cap segment, primarily offering various loan products including Home 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 issued by the Reserve Bank of India. The latest quarterly results reported are for March 2026, showing net sales and profit figures.<BR><BR>Financial Snapshot: <BR>Net Sales: 715 Cr (Quarterly Results - Mar 2026) <BR>Net Profit: 182 Cr (Quarterly Results - Mar 2026) <BR>Market Cap: INR 10,174 Cr (Small Cap) <BR><BR>Key Metrics: <BR>P/E: 21.00 <BR>Industry P/E: 12 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 3.11 <BR>Return on Equity: 12.97% <BR>Price to Book: 1.97 <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

How big is Aavas Financiers?

As of 10th June, Aavas Financiers Ltd. has a market capitalization of 10,174.00 Cr, with recent net sales of 2017.90 Cr and a net profit of 490.69 Cr. The company's shareholder's funds are 3,773.32 Cr, and total assets amount to 16,519.45 Cr.

As of 10th June, <BR><BR>Market Cap: Aavas Financiers Ltd. has a market capitalization of 10,174.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, Aavas Financiers reported Net Sales of 2017.90 Cr and a Net Profit of 490.69 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2024, with Shareholder's Funds amounting to 3,773.32 Cr and Total Assets of 16,519.45 Cr.

Who are in the management team of Aavas Financiers?

The management team of Aavas Financiers includes Chairperson Sandeep Tandon, Managing Director & CEO Sachinderpalsingh Jitendrasingh Bhinder, and several independent directors and nominees, all of whom guide the company's strategic direction and ensure regulatory compliance.

The management team of Aavas Financiers includes the following key members:<BR><BR>1. **Sandeep Tandon** - Chairperson and Independent Director<BR>2. **Sachinderpalsingh Jitendrasingh Bhinder** - Managing Director & CEO<BR>3. **Kalpanaiyer** - Independent Director<BR>4. **Soumya Rajan** - Independent Director<BR>5. **Ramachandra Kasargod Kamath** - Nominee<BR>6. **Vivek Vig** - Nominee<BR>7. **Nishant Sharma** - Nominee<BR>8. **Manas Tandon** - Nominee<BR>9. **Kartikeya Dhruv Kaji** - Nominee<BR>10. **Sharad Pathak** - Company Secretary & Compliance Officer<BR><BR>This team plays a crucial role in guiding the company's strategic direction and ensuring compliance with regulatory requirements.

Who are the peers of the Aavas Financiers?

Peers of Aavas Financiers include Aadhar Housing Finance, Sammaan Capital, Aptus Value Housing, Can Fin Homes, Home First Finance, INDIA SHELTE FIN, Repco Home Finance, GIC Housing Finance, and SRG Housing. Aavas Financiers has good management risk and a 1-year return of -28.24%, higher than Reliance Home's -71.22%.

Peers: Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Can Fin Homes, Home First Finan, Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, SRG Housing.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at Aadhar Hsg. Fin., Home First Finan, Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin. Average management risk is noted at Sammaan Capital, and Below Average management risk is seen at GIC Housing Fin., SRG Housing, and Reliance Home. Growth is Excellent at Home First Finan and INDIA SHELTE FIN, Good at Aptus Value Hou. and SRG Housing, Average at Aadhar Hsg. Fin. and Can Fin Homes, Below Average at Sammaan Capital and Repco Home Fin, and Below Average at GIC Housing Fin. Capital Structure is Excellent at Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Home First Finan, Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin., and SRG Housing, while Good is found at Can Fin Homes and Average at Reliance Home.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Sammaan Capital at 32.74%, while the lowest is Reliance Home at -71.22%. Aavas Financiers has a 1-year return of -28.24%, which is significantly higher than Reliance Home's return. Additionally, the six-month return is negative for Aavas Financiers, Home First Finan, INDIA SHELTE FIN, Repco Home Fin, and Reliance Home.

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

The next results date for Aavas Financiers Ltd. is 05 May 2026.

The next results date for Aavas Financiers Ltd. is scheduled for 05 May 2026.

Are Aavas Financiers Ltd. latest results good or bad?

Aavas Financiers Ltd. reported a record net profit of ₹170.05 crores and net sales of ₹674.20 crores for Q3 FY26, indicating strong operational performance. However, the stock has underperformed with a 19.63% decline over the past year, and its high P/E ratio of 22.22 raises valuation concerns compared to peers.

Aavas Financiers Ltd. has reported its highest quarterly net profit of ₹170.05 crores for Q3 FY26, which is a positive indicator of its operational performance. The company also achieved record net sales of ₹674.20 crores during the same period. However, despite these achievements, the stock has significantly underperformed in the market, delivering a negative return of 19.63% over the past year, while the broader Sensex gained 6.44%. <BR><BR>Moreover, the company's return on equity (ROE) stands at 12.54%, which is below the average of its peers, raising concerns about its capital efficiency. The valuation of the stock is considered "very expensive," trading at a P/E ratio of 22.22 times, significantly higher than the industry average of 12 times. <BR><BR>In summary, while Aavas Financiers has shown strong operational results, the decline in shareholder returns and the high valuation relative to performance metrics suggest a mixed outlook. Investors may need to weigh the positive growth in profits against the broader market performance and valuation concerns.

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.

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.

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.

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.

Has Aavas Financiers declared dividend?

No Dividend History Available