AAVAS Financiers Limited

BSE: AAVAS541988ISIN INE216P01012

Financial Services
Housing Finance Company
BSE 500

Share price

₹1,125.40+3.65 (+0.33%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹1,774.95
52W low: ₹1,050.25
Off 52W high: -36.60%
1M return: -7.55%
3M return: -18.25%
6M return: -21.86%
1Y return: -31.41%
20D avg volume: 8,586
50 DMA: ₹1,228.16
200 DMA: ₹1,322.83

Key ratios Consolidated

Market cap: ₹8,924 Cr
Current price: ₹1,125.40
52W high / low: ₹1,774.95 / ₹1,050.25
Face value: ₹10.00
P/E: 18.19
P/B: —
EPS (TTM): ₹61.88
Book value / share: —
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: —
Net debt: —
Interest cover: 1.75
Dividend yield: —
Dividend / share (TTM): —
Payout: —
Cash conversion cycle: —

Financials

Metric	Q4 FY24	Q3 FY24	Q2 FY24	Q1 FY24	Q4 FY23	Q3 FY23	Q2 FY23	Q1 FY23	Q4 FY22	Q3 FY22	Q2 FY22	Q1 FY22
Income statement
	546.02	508.06	496.84	466.97	449.69	411.37	394.85	352.86	365.09	342.58	324.85	271.93
	0.78	1.19	0.78	0.04	0.71	0.71	0.33	0.09	0.22	0.29	0.60	0.09
	546.80	509.26	497.62	467.02	450.40	412.07	395.18	352.95	365.31	342.87	325.45	272.03
	369.44	359.44	340.26	326.18	291.74	274.31	257.63	238.52	219.50	227.81	207.42	198.23
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	95.86	83.12	82.03	94.91	75.61	80.57	77.55	67.85	69.29	60.40	57.95	46.65
	221.56	216.56	203.60	186.63	165.00	150.35	141.02	134.68	123.67	125.05	115.98	112.80
	9.10	8.65	7.63	7.28	8.68	6.89	6.92	6.23	7.25	5.74	5.77	5.01
	37.24	41.12	38.37	29.52	34.22	31.85	28.24	26.52	29.22	23.70	21.37	14.79
	177.36	149.81	157.36	140.84	158.66	137.77	137.56	114.44	145.81	115.06	118.03	73.79
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	177.36	149.81	157.36	140.84	158.66	137.77	137.56	114.44	145.81	115.06	118.03	73.79
	142.48	116.72	121.66	109.83	126.83	107.12	106.64	89.05	115.47	88.76	91.90	59.05
	18.00	14.75	15.38	13.89	16.05	13.56	13.51	11.28	14.63	11.25	11.69	7.52
Key metrics
	408.02	375.02	368.59	334.75	332.34	295.01	285.50	255.35	276.73	245.85	239.78	191.60
	74.70%	73.80%	74.20%	71.70%	73.90%	71.70%	72.30%	72.40%	75.80%	71.80%	73.80%	70.50%
	26.10%	23.00%	24.50%	23.50%	28.20%	26.00%	27.00%	25.20%	31.60%	25.90%	28.30%	21.70%
	21.40%	23.50%	25.80%	32.30%	23.20%	20.10%	21.50%	29.80%	—	—	—	—
	12.30%	9.00%	14.10%	23.30%	9.80%	20.70%	16.00%	50.80%	—	—	—	—

Metric	TTM	FY24	FY23	FY22
Income statement
	2,018	2,018	1,609	1,304
	2.79	2.80	1.84	1.20
	2,021	2,021	1,611	1,306
	1,395	1,395	1,062	852.96
	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00
	355.92	355.91	301.59	234.29
	828.35	828.36	591.05	477.50
	32.66	32.66	28.72	23.76
	146.25	147.21	120.84	89.09
	625.37	625.37	548.42	452.69
	0.00	0.00	0.00	0.00
	625.37	625.37	548.42	452.69
	490.69	490.69	429.64	355.18
	62.02	62.03	54.38	45.10
Key metrics
	1,486	1,486	1,168	953.95
	73.66%	73.70%	72.60%	73.10%
	24.32%	24.30%	26.70%	27.20%
	25.43%	25.40%	23.30%	—
	14.21%	14.20%	21.00%	—

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	736.30	708.72	714.68	674.20	667.02	627.56	636.21	596.74	579.16	542.39	546.02	508.01
	0.47	0.38	0.15	0.42	0.43	0.37	1.27	1.18	1.29	0.17	0.78	1.19
	736.77	709.10	714.83	674.62	667.45	627.93	637.49	597.92	580.46	542.55	546.80	509.20
	501.17	488.99	484.07	455.29	456.22	448.81	444.26	409.52	390.43	381.61	369.31	359.46
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	121.19	121.70	132.50	114.20	112.95	110.71	111.95	90.64	83.61	91.55	95.86	83.12
	305.34	292.63	273.46	274.48	275.54	271.35	264.74	258.70	248.85	235.17	221.56	216.56
	12.17	11.05	11.95	11.11	10.71	9.34	9.79	9.22	8.93	8.51	9.10	8.65
	48.41	48.24	56.67	45.36	46.14	43.89	47.56	42.34	42.03	36.77	37.24	41.14
	235.60	220.10	230.76	219.32	211.23	179.13	193.22	188.40	190.02	160.95	177.49	149.74
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	235.60	220.10	230.76	219.32	211.23	179.13	193.22	188.40	190.02	160.95	177.49	149.74
	54.08	48.84	49.09	49.28	47.29	39.90	39.54	—	—	—	—	—
	181.52	171.27	181.67	170.05	163.93	139.23	153.68	146.42	147.91	126.10	142.62	116.65
	22.89	21.60	22.94	21.48	20.71	17.59	19.42	18.50	18.69	15.93	18.02	14.74
Key metrics
	—	—	—	—	—	—	—	456.32	447.80	404.63	408.15	374.95
	—	—	—	—	—	—	—	76.50%	77.30%	74.60%	74.80%	73.80%
	24.70%	24.20%	25.40%	25.20%	24.60%	22.20%	24.20%	24.50%	25.50%	23.20%	26.10%	23.00%
	10.40%	12.90%	12.30%	13.00%	15.20%	15.70%	16.50%	17.50%	—	—	—	—
	10.70%	23.00%	18.20%	16.10%	10.80%	10.40%	7.80%	25.50%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	2,834	2,683	2,355	2,018	1,608	1,304
	1.42	1.38	3.91	2.80	1.84	1.20
	2,835	2,685	2,358	2,020	1,610	1,306
	1,930	1,844	1,626	1,396	1,061	850.70
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	489.59	470.37	377.76	355.91	300.59	232.24
	1,146	1,095	1,007	828.36	591.05	477.50
	46.28	43.11	36.45	32.66	28.72	23.76
	198.68	192.06	168.70	146.89	120.81	88.89
	905.78	840.44	732.59	624.45	549.00	454.86
	0.00	0.00	0.00	0.00	0.00	0.00
	905.78	840.44	732.59	624.45	549.00	454.86
	201.29	185.56	158.48	—	—	—
	704.51	654.88	574.11	490.69	430.07	356.80
	88.91	82.72	72.54	62.03	54.44	45.31
Key metrics
	—	—	—	1,485	1,169	956.12
	—	—	—	73.60%	72.70%	73.30%
	24.86%	24.40%	24.40%	24.30%	26.70%	27.40%
	12.12%	14.00%	16.70%	25.40%	23.30%	—
	16.78%	14.10%	17.00%	14.10%	20.50%	—
	—	-1,419	-1,690	—	—	—
	—	-2.12	-2.89	—	—	—
	—	2.68	2.78	—	—	—
	—	13,330	12,111	—	—	—
Balance sheet
	—	21,212	18,618	—	—	—
	—	228.57	11.31	—	—	—
	—	14.89	11.37	—	—	—
	—	0.00	0.00	—	—	—
	—	37.85	30.40	—	—	—
	—	13,558	12,122	—	—	—
	—	5,051	4,361	—	—	—
Cash flow
	—	-1,386	-1,660	—	—	—
	—	-116.54	176.23	—	—	—
	—	1,720	1,475	—	—	—
	—	32.80	30.07	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: +18.61%
Sales CAGR 5Y: —
Profit CAGR 3Y: +15.05%
Profit CAGR 5Y: —
Sales YoY (TTM): +12.12%
Profit YoY (TTM): +16.78%

Consolidated

Sales CAGR 3Y: —
Sales CAGR 5Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Sales YoY (TTM): +25.43%
Profit YoY (TTM): +14.21%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 48.88%

Holder	Type	Holding	Previous	Change
Aquilo House Pte. Ltd.	Promoter	48.88%	—	—
Hdfc Trustee Company Ltd. A/C Hdfc Balanced Advantage Fund	Public	3.50%	—	—
Icici Prudential Banking And Financial Services Fund	Public	3.14%	—	—
Sundaram Mutual Fund A/C Sundaram Services Fund	Public	2.79%	—	—
Axis Max Life Insurance Limited Ac Reversionary Bonus Participating Equity	Public	2.73%	—	—
Uti-Flexi Cap Fund	Public	2.49%	—	—
Government Pension Fund Global	Public	2.29%	—	—
Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund	Public	2.19%	—	—
Abu Dhabi Investment Authority - Monsoon	Public	2.12%	—	—
Sbi Banking & Financial Services Fund	Public	1.93%	—	—
Massachusetts Institute Of Technology	Public	1.10%	—	—
Franklin India Opportunites Fund	Public	1.03%	—	—
Aquilo Universe Pte. Ltd.	Promoter Group	0.00%	—	—

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Housing Finance Limited S	67,800	81.37	24.16	—	+17.18% TTM	+18.86% TTM	-25.76%
Lic Housing Finance Ltd.	28,603	520.00	4.85	—	-0.37% TTM	+6.78% TTM	-9.38%
PNB Housing Finance Limited	28,193	1,081.00	12.00	—	+10.03% TTM	+9.37% TTM	+16.06%
Aadhar Housing Finance Limited	18,882	430.70	16.55	—	+17.72% TTM	+20.23% TTM	-15.47%
Sammaan Capital Limited	14,641	126.05	-2.03	—	-17.09% TTM	-301.99% TTM	-32.27%
Home First Finance Company India Limited S	11,304	1,081.00	18.24	—	+19.25% TTM	+36.85% TTM	-9.60%
Aptus Value Housing Finance India Limited	10,335	206.35	10.50	—	+19.37% TTM	+21.60% TTM	-30.02%
Can Fin Homes Ltd. S	9,651	724.80	8.37	—	+7.87% TTM	+25.13% TTM	-15.86%
AAVAS Financiers Limited	8,924	1,125.40	18.19	—	+25.43% TTM	+14.21% TTM	-31.41%
India Shelter Finance Corporation Limited	7,018	642.50	13.94	—	+31.12% TTM	+33.15% TTM	-27.57%
Repco Home Finance Limited	2,053	328.10	4.26	—	+6.22% TTM	+3.84% TTM	-27.01%
GIC Housing Finance Ltd.	676	125.60	4.29	—	+1.24% TTM	+22.22% TTM	-27.25%
SRG Housing Finance Limited S	159	100.95	4.64	—	+31.34% TTM	+35.05% TTM	-65.50%
Reliance Home Finance Limited S	67	1.38	2.89	-84.90%	-64.52% TTM	+778.93% TTM	-59.05%
Ind Bank Housing Ltd S	49	48.55	12.40	—	+1,267.86% TTM	+1,729.17% TTM	+27.60%
India Home Loan Limited S	42	29.49	282.66	—	-11.09% TTM	-12.50% TTM	-19.09%
STAR HOUSING FINANCE LIMITED S	32	4.06	4.82	—	+23.80% TTM	-38.86% TTM	-75.36%
Sahara HousingFina Corporation Ltd. S	26	36.61	86.20	—	-12.62% TTM	-51.61% TTM	-31.35%
Manraj Housing Finance Ltd. S	17	34.00	-94.44	-2.50%	—	+63.04% TTM	—
Hindustan Housing Co. Ltd. S	0	—	0.04	4.40%	+12.13% TTM	-7.76% TTM	—

Filings & corporate actions

Recent announcements

Notice of Postal Ballot and E-voting Information4 Nov 2026 · AGM/EGM / Postal Ballot
Outcome of Postal Ballot - Voting Results and Scrutinizer''s Report of Postal Ballot.2 Nov 2026 · AGM/EGM / Postal Ballot
Outcome of Postal Ballot- Voting Results and Scrutinizer''s Report of Postal Ballot.2 Nov 2026 · AGM/EGM / Postal Ballot
Transcript of the Earnings Call for the Quarter and Half Year ended September 30, 20262 Nov 2026 · Company Update / Earnings Call Transcript
Press Release - Aavas Financiers Limited crosses Rs. 25,000 Crore in Assets Under Management1 Nov 2026 · Company Update / General
Intimation of Investor(s) / Analyst(s) meet/Conference scheduled to be held on November 05, 2026.31 Oct 2026 · Company Update / Analyst / Investor Meet
Intimation of Investor(s) / Analyst(s) meet scheduled to be held on November 02, 2026.28 Oct 2026 · Company Update / Analyst / Investor Meet
Copies of Newspaper Clipping of Unaudited Financial Results for the Quarter and Half Year ended September 30, 202627 Oct 2026 · Company Update / Newspaper Publication
Audio recording of Earnings Conference Call for the quarter and half year ended September 30, 202626 Oct 2026 · Company Update / General
Intimation under Regulation 30 and 51 of SEBI LODR Regulations, 201526 Oct 2026 · Company Update / General
Outcome of Board Meeting held on October 26, 2026 - Other matters26 Oct 2026 · Company Update / Change in Management
Outcome of Board Meeting held on October 26, 2026 - Other matters26 Oct 2026 · Company Update / Change in Directorate
Investor Release on the Financial and Operational performance of the Company for the quarter and half year ended September 30, 202626 Oct 2026 · Company Update / Press Release / Media Release
Investor Presentation on the Unaudited Financial Results for the quarter and half year ended September 30, 202626 Oct 2026 · Company Update / Investor Presentation
Unaudited Financial Results for the quarter and half year ended September 30, 202626 Oct 2026 · Result / Financial Results
Outcome of Board Meeting - Approval of Unaudited Financial Results for the quarter and half year ended September 30, 202626 Oct 2026 · Board Meeting / Outcome of Board Meeting
Intimation under Regulation 30 and 51 of SEBI (LODR) Regulations, 2015 regarding Grant of Stock Options under Equity Stock Option Plan-2025 (ESOP-2025).26 Oct 2026 · Company Update / General
Intimation of Earnings call for the quarter and half year ended September 30, 202613 Oct 2026 · Company Update / Analyst / Investor Meet
AAVAS Financiers Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 26/10/2026 ,inter alia, to consider and approve Unaudited Financial Results ....13 Oct 2026 · Board Meeting / Board Meeting
Intimation of Allotment of PSOPs.7 Oct 2026 · Company Update / Allotment of ESOP / ESPS
Submission of Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the Quarter ended September 30, 2026.7 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Submission of Newspaper Advertisement regarding dispatch of Postal Ballot Notice and E-Voting information2 Oct 2026 · Company Update / Newspaper Publication
Intimation regarding Notice of Postal Ballot and e-voting information.1 Oct 2026 · AGM/EGM / Postal Ballot
Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015- Intimation of Environmental, Social and ....30 Sep 2026 · Company Update / General
Disclosure under Regulation 30 and 51 of SEBI (Listing Obligations and Disclosure Requirements) Regulation, 2015, Re-appointment of Chief Compliance Officer (Senior Management Personnel).28 Sep 2026 · Company Update / Change in Management
Intimation of Closure of Trading Window for the quarter and half year ended September 30, 2026.26 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Intimation of Credit Rating.25 Sep 2026 · Company Update / Credit Rating
Disclosure under Regulation 30 of the Securities and Exchange Board of India (LODR) Regulations, 2015- Intimation of Environmental, Social and Governance ("ESG") Rating by ESG Risk Assessments ....23 Sep 2026 · Company Update / General
Disclosure under Regulation 30 and 51 of SEBI (LODR) Regulations, 2015 for Appointment of Senior Managerial Personnel23 Sep 2026 · Company Update / Change in Management
Disclosure under Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 201518 Sep 2026 · Company Update / General
Disclosure under Regulation 30(5) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 201518 Sep 2026 · Company Update / General
Outcome of Board Meeting held on September 18, 2026.18 Sep 2026 · Company Update / Change in Directorate
Outcome of Board Meeting held on September 18, 2026.18 Sep 2026 · Others / Outcome without intimation
Intimation of Investor(s) / Analyst(s) meet/ call/ conference scheduled to be held on September 23, 2026, September 24, 2026, September 25, 2026 and September 28, 2026.18 Sep 2026 · Company Update / Analyst / Investor Meet
Disclosure under Regulations 30 and 51 of the SEBI (LODR) Regulations, 201517 Sep 2026 · Company Update / General
Disclosure under Regulation 30 and 51 of SEBI (LODR), 2015.17 Sep 2026 · Company Update / Change in Management
Submission of Voting Results of 16th Annual General Meeting of the Company along with Scrutinizer Report under Regulation 44 of SEBI (LODR) Regulations, 2015.17 Sep 2026 · AGM/EGM / AGM
Proceedings/Outcome of the 16th Annual General Meeting of the Company.16 Sep 2026 · Company Update / General
Disclosure under Regulation 30 and 51 of SEBI (LODR) Regulations, 2015-Summary Proceedings/Outcome of the 16th Annual General Meeting of the Company.16 Sep 2026 · AGM/EGM / AGM
Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015- Intimation of Environmental, Social and ....15 Sep 2026 · Company Update / General

Board meetings

26 Oct 2026 Board Meeting - Financial Results
21 Jul 2026 Board Meeting - Financial Results