AAVAS FINANCIERS LIMITED·NBFC 37.97HOUSING FINANCE 43.14·Finance Companies

Price

1,162.3

-1.57%
O:1180.8
H:1180.8
L:1151
C:1162.3

52W Range

1060.41771.9
+10%/-34%

Market Cap

₹9,216.38 Cr

Traded: ₹6.53 Cr (0.07%) 0.0x

Free Float: ₹1,128.08 Cr (0.58% of FF traded)

Volume · 60D trend

56.23 K 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-2% 3M:-15% 6M:-21% 12M:-11%

RS Score

SEEM
NOUS
BNF
SMA Score

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Valuation

P/E18.7
P/B2.4
P/S--
EV/EBIT--

Business Strength

ROE13.9%
ROCE9.9%
OPM--
NPM--

Growth (3Y CAGR)

EPS+14.1%
Sales+22.0%
Profit+19.0%
3Y Return-2.0%

Balance Sheet

Debt/Equity3.3
Debt12,398 Cr
Pledge0.0%
CWIP/Fixed Asset9.5%

Cash Position

CFO/NP-404.7%
FCF-2,018 Cr
FCF 3Y Avg-5,131 Cr
Cash/MCap16.0%

Others

Div Yield0.0%
Div Payout0.0%
Cash Conv. Cycle--
Tradeable Free Float12.2%
AAVAS1,162.3 -1.57% NSEBSE20% 26 Oct
NOUS
BNF
MCap9.2K Cr
Vol56.23 K
RVol
Del%
TVal6.53 Cr
RS
SEEM

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 27.58 Cr
2.45% FF
60d high
₹ 35.00 Cr
60d low
₹ 27.21 Cr
60d mean
₹ 29.48 Cr
vs mean
▼ 6.43%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Sales
--
+23.0%
+22.0%
--
+25.0%
Stable
ROE
--
+14.0%
+14.0%
--
--
Stable
Return
--
-12.0%
-2.0%
-32.0%
--
Stable
Profit
--
+23.0%
+19.0%
--
+14.0%
Decelerating

Quarterly Results

Mar 2024

PDF
Rev
--
+21% YoY--
OPM--
NPM--
PAT
+12% YoY▲142 Cr
EPS
+12% YoY▲18.0

Dec 2023

PDF
Rev
--
+24% YoY--
OPM--
NPM--
PAT
+9% YoY▼117 Cr
EPS
+9% YoY▼14.8

Sep 2023

PDF
Rev
--
+26% YoY--
OPM--
NPM--
PAT
+14% YoY▲122 Cr
EPS
+14% YoY▲15.4

Jun 2023

PDF
Rev
--
+32% YoY--
OPM--
NPM--
PAT
+23% YoY▼110 Cr
EPS
+23% YoY▼13.9

Mar 2023

PDF
Rev
--
+23% YoY--
OPM--
NPM--
PAT
+10% YoY▲127 Cr
EPS
+10% YoY▲16.0

Dec 2022

PDF
Rev
--
+20% YoY--
OPM--
NPM--
PAT
+21% YoY107 Cr
EPS
+20% YoY▲13.6

Sep 2022

PDF
Rev
--
+22% YoY--
OPM--
NPM--
PAT
+16% YoY▲107 Cr
EPS
+16% YoY▲13.5

Jun 2022

PDF
Rev
--
+30% YoY--
OPM--
NPM--
PAT
+51% YoY▼89 Cr
EPS
+50% YoY▼11.3

Mar 2022

PDF
Rev
--
+26% YoY--
OPM--
NPM--
PAT
+32% YoY▲115 Cr
EPS
+31% YoY▲14.6

Dec 2021

PDF
Rev
--
+11% YoY--
OPM--
NPM--
PAT
+4% YoY▼89 Cr
EPS
--▼11.3

Sep 2021

PDF
Rev
--
+20% YoY--
OPM--
NPM--
PAT
+39% YoY▲92 Cr
EPS
--▲11.7

Jun 2021

PDF
Rev
--
+16% YoY--
OPM--
NPM--
PAT
+18% YoY▼59 Cr
EPS
--▼7.5

Mar 2021

PDF
Rev
--
+23% YoY--
OPM--
NPM--
PAT
+46% YoY87 Cr
EPS
--11.1

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage-2.4x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow-2.0K Cr
Investing Cash Flow-648 Cr
Financing Cash Flow2.5K Cr
Free Cash Flow-2.0K Cr

Detailed Financials

Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023PDF ↗
Dec 2022PDF ↗
Sep 2022PDF ↗
Jun 2022PDF ↗
Mar 2022PDF ↗
Dec 2021PDF ↗
Sep 2021PDF ↗
Jun 2021PDF ↗
Mar 2021PDF ↗
Sales--------------------------
Expenses139134129132118117110988997868076
Operating Profit--------------------------
Other Income1110110000102
Interest222217204187165150141135124125116113115
Depreciation9987977676655
Profit Before Tax1771501571411591381381141461151187495
Tax %20.0%22.0%23.0%22.0%20.0%22.0%22.0%22.0%21.0%23.0%22.0%20.0%8.0%
Net Profit1421171221101271071078911589925987
Exceptional Items--------------------------
EPS (Rs)18.014.815.413.916.013.613.511.314.611.311.77.511.1
Sales Growth (YoY)21.4%23.5%25.8%32.3%23.2%20.1%21.6%29.8%26.1%10.5%20.1%16.4%23.5%
Sales Growth (QoQ)--------------------------
OP Growth (YoY)--------------------------
OP Growth (QoQ)--------------------------
Profit Growth (YoY)12.0%9.0%14.0%23.0%10.0%21.0%16.0%51.0%32.0%4.0%39.0%18.0%46.0%
EPS Growth (YoY)12.2%8.9%14.0%23.1%9.6%20.4%15.8%50.0%31.3%--------
EPS Growth (QoQ)22.0%-4.1%10.7%-13.4%18.4%0.4%19.6%-22.9%30.0%-3.4%54.9%-32.5%--
OP Margin--------------------------
Net Margin--------------------------
Material Cost %--------------------------
Employee Cost %17.6%16.4%16.5%20.3%16.8%19.6%19.6%19.2%19.0%17.6%17.8%17.2%17.4%
P/S--------------------------
P/E18.74------------------------
P/B2.44------------------------

Shareholding Pattern

Shareholders:1.2L (+95.4%)
Current MixMar 2026

Exchange Filings

50
Company Update13 Oct 2026

Intimation of Earnings call for the quarter and half year ended September 30, 2026

Board Meeting13 Oct 2026

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 ....

Company Update07 Oct 2026

Intimation of Allotment of PSOPs.

Company Update07 Oct 2026

Submission of Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the Quarter ended September 30, 2026.

Company Update02 Oct 2026

Submission of Newspaper Advertisement regarding dispatch of Postal Ballot Notice and E-Voting information

AGM/EGM01 Oct 2026

Intimation regarding Notice of Postal Ballot and e-voting information.

Company Update30 Sept 2026

Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015- Intimation of Environmental, Social and ....

Company Update23 Sept 2026

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 ....

Company Update23 Sept 2026

Disclosure under Regulation 30 and 51 of SEBI (LODR) Regulations, 2015 for Appointment of Senior Managerial Personnel

Company Update18 Sept 2026

Disclosure under Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Company Update18 Sept 2026

Disclosure under Regulation 30(5) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Company Update18 Sept 2026

Outcome of Board Meeting held on September 18, 2026.

Others18 Sept 2026

Outcome of Board Meeting held on September 18, 2026.

Company Update18 Sept 2026

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.

Company Update17 Sept 2026

Disclosure under Regulations 30 and 51 of the SEBI (LODR) Regulations, 2015

Company Update17 Sept 2026

Disclosure under Regulation 30 and 51 of SEBI (LODR), 2015.

AGM/EGM17 Sept 2026

Submission of Voting Results of 16th Annual General Meeting of the Company along with Scrutinizer Report under Regulation 44 of SEBI (LODR) Regulations, 2015.

Company Update16 Sept 2026

Proceedings/Outcome of the 16th Annual General Meeting of the Company.

AGM/EGM16 Sept 2026

Disclosure under Regulation 30 and 51 of SEBI (LODR) Regulations, 2015-Summary Proceedings/Outcome of the 16th Annual General Meeting of the Company.

Company Update15 Sept 2026

Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015- Intimation of Environmental, Social and ....

Company Update11 Sept 2026

Intimation of allotment of Non Convertible Debenture, by Executive Committee of Board of Directors of the Company.

Company Update08 Sept 2026

Intimation of Investor(s)/Analyst(s)/Meet/Call/ Conference Scheduled to be held on September 11, 2026 and September 17, 2026.

Company Update04 Sept 2026

Intimation of Investor(s)/Analyst(s) Meet/Call Scheduled to be held on Thursday, September 10, 2026.

Company Update02 Sept 2026

Outcome of the Executive Committee of the Board of Directors of the Company and Disclosure under Regulation 30 and 51 of the Securities and Exchange Board of India (Listing Obligations ....

Others02 Sept 2026

Outcome of Executive Committee Meeting of Board of Directors of the Company held on September 02, 2026

Company Update25 Aug 2026

Intimation of Investor(s)/Analyst(s) Meet/Call Scheduled to be held on August 31, 2026 & September 09, 2026.

Company Update25 Aug 2026

Submission of copy of Newspaper Publication regarding 16th Annual General Meeting to be held on September 16, 2026 and E-voting Information.

Company Update24 Aug 2026

Letter sent to Shareholders of the Company whose email-ids are not registered with Company/RTA/Depository Participants, providing the web-link and exact path, where the Annual Report for ....

Others24 Aug 2026

Business Responsibility and Sustainability Report along with Reasonable Assurance Report for the Financial Year 2025-26.

Others24 Aug 2026

Annual Report for the Financial Year 2025-26.

AGM/EGM24 Aug 2026

Notice of 16th Annual General Meeting of the Company and Annual Report for the Financial Year 2025-26.

Company Update20 Aug 2026

Intimation for allotment of PSOPs.

Company Update19 Aug 2026

Submission of Copy of Newspaper Advertisement regarding 16th Annual General Meeting to be held on September 16, 2026 through Video Conferencing/ Other Audio Visual Means.

Company Update11 Aug 2026

Intimation of Investor(s)/Analyst(s) Meet/Call/Conference Scheduled to be held on August 17, 2026 and August 19, 2026.

Company Update06 Aug 2026

Intimation of Investor(s)/Analyst(s) Meet/Call Scheduled to be held on dated August 12, 2026.

Company Update27 Jul 2026

Transcript of the earnings call for the Quarter ended June 30, 2026

Company Update24 Jul 2026

Intimation of Investor(s)/Analyst(s) Meet/Call Scheduled to be held on July 29, 2026 & July 30, 2026.

Company Update22 Jul 2026

Copies of Newspaper Clippings of Unaudited Financial Results for the Quarter ended June 30, 2026

Result21 Jul 2026

Outcome of Board Meeting held on Tuesday, July 21, 2026

Company Update21 Jul 2026

Outcome of Executive Committee meeting of the Board of Directors held on July 21, 2026

Company Update21 Jul 2026

Audio recording of Earning Call for the Quarter ended June 30, 2026

Board Meeting21 Jul 2026

Outcome of Board Meeting held on Tuesday, July 21, 2026

Company Update14 Jul 2026

Pursuant to Regulation 30 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015, we hereby inform you that Company will hold an Earnings ....

Board Meeting14 Jul 2026

AAVAS Financiers Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 21/07/2026 ,inter alia, to consider and approve the Unaudited Financial Results ....

Company Update07 Jul 2026

Intimation for Allotment of PSOPs.

Company Update06 Jul 2026

Submission of Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the Quarter ended June 30, 2026.

Company Update01 Jul 2026

Intimation of Credit Rating

Company Update01 Jul 2026

Intimation of Credit Rating.

Insider Trading / SAST27 Jun 2026

Intimation of closure of Trading Window for the Quarter ended June 30, 2026

Company Update22 Jun 2026

Clarification Letter on Market Rumour

Annual Reports

13

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

2014

2013

Credit Ratings

6
careRating update
07 Oct 2025Report
careRating update
16 Jun 2025Report
icraRating update
11 Jun 2025Report
careRating update
28 May 2025Report
fitchRating update
careRating update

Concalls

37

Feb 2026

28 Feb 2026

Nov 2025

30 Nov 2025

Aug 2025

31 Aug 2025

Apr 2025

30 Apr 2025

Feb 2025

28 Feb 2025

Nov 2024

30 Nov 2024

Jul 2024

31 Jul 2024

Jul 2024

31 Jul 2024

Apr 2024

30 Apr 2024

Apr 2024

30 Apr 2024

Feb 2024

29 Feb 2024

Nov 2023

30 Nov 2023

Oct 2023

31 Oct 2023

Oct 2023

31 Oct 2023

Aug 2023

31 Aug 2023

May 2023

31 May 2023

Feb 2023

28 Feb 2023

Feb 2023

28 Feb 2023

Oct 2022

31 Oct 2022

Aug 2022

31 Aug 2022

May 2022

31 May 2022

Feb 2022

28 Feb 2022

Nov 2021

30 Nov 2021

Aug 2021

31 Aug 2021

May 2021

31 May 2021

Feb 2021

28 Feb 2021

Jan 2021

31 Jan 2021

Nov 2020

30 Nov 2020

Aug 2020

31 Aug 2020

May 2020

31 May 2020

Jan 2020

31 Jan 2020

Nov 2019

30 Nov 2019

Aug 2019

31 Aug 2019

May 2019

31 May 2019

Feb 2019

28 Feb 2019

Nov 2018

30 Nov 2018

Oct 2018

31 Oct 2018

Held by ETFs

11 ETFs hold aavas · sorted by weight

#ETFWeight %
1

SMALLADD

DSPAMC - SMALLADD

0.22%
2

MOSMALL250

MOTILALAMC - MOSMALL250

0.22%
3

HDFCSML250

HDFCAMC - HDFCSML250

0.22%
4

SBISMLETF

SBIAMC - SBISMLETF

0.22%
5

SMALL250

MIRAEAMC - SMALL250

0.22%
6

GROWWSC250

GROWWAMC - GROWWSC250

0.22%
7

MULTICAP

MIRAEAMC - MULTICAP

0.05%
8

HDFCBSE500

HDFCAMC - HDFCBSE500

0.03%
9

MONIFTY500

MOTILALAMC - MONIFTY500

0.03%
10

AONETOTAL

AONEAMC - AONETOTAL

0.03%
11

BSE500IETF

ICICIPRAMC - ICICI500

0.03%

Held by Mutual Funds

46 schemes hold aavas · sorted by weight

#SchemeWeight %
1

Sundaram Financial Services Opportunities Fund

Sundaram Mutual Fund

3.36%
2

SBI Long Term Advantage Fund

SBI Mutual Fund

3.12%
3

Sundaram Business Cycle Fund

Sundaram Mutual Fund

2.90%
4

Tata Housing Opportunities Fund

Tata Mutual Fund

2.03%
5

Sundaram Services Fund

Sundaram Mutual Fund

1.96%
6

iSIF Equity Long-Short Fund

ICICI Prudential Mutual Fund

1.66%
7

ICICI Prudential Banking and Financial Services Direct Plan-Growth

ICICI Prudential Mutual Fund

1.62%
8

Sundaram Small Cap Fund

Sundaram Mutual Fund

1.58%
9

ICICI Prudential Smallcap Fund

ICICI Prudential Mutual Fund

1.39%
10

Bandhan Financial Services Fund

Bandhan Mutual Fund

1.13%
11

HDFC Infrastructure Fund

HDFC Mutual Fund

1.12%
12

Sundaram Long Term Tax Advantage Fund

Sundaram Mutual Fund

1.10%
13

Sundaram Long Term Micro Cap Tax Advantage Fund

Sundaram Mutual Fund

1.09%
14

Sundaram Focused Fund

Sundaram Mutual Fund

1.05%
15

WhiteOak Capital Banking & Financial Services Fund

WhiteOak Capital Mutual Fund

1.03%
16

HDFC Value Fund

HDFC Mutual Fund

1.01%
17

Sundaram Multi Cap Fund

Sundaram Mutual Fund

0.87%
18

Arudha Equity Long-Short Fund

Bandhan Mutual Fund

0.86%
19

SBI Flexicap Fund

SBI Mutual Fund

0.85%
20

iSIF Equity Ex-Top 100 Long-Short Fund

ICICI Prudential Mutual Fund

0.85%
21

Nippon India Banking & Financial Services Fund

Nippon India Mutual Fund

0.72%
22

ICICI Prudential Housing Opportunities Fund

ICICI Prudential Mutual Fund

0.58%
23

Axis Equity Savings Fund

Axis Mutual Fund

0.49%
24

ICICI Prudential Large & Mid Cap Fund

ICICI Prudential Mutual Fund

0.35%
25

SBI ELSS Tax Saver Fund

SBI Mutual Fund

0.31%
26

SBI Nifty Smallcap 250 Index Fund

SBI Mutual Fund

0.29%
27

Groww Nifty Smallcap 250 Index Fund

Groww Mutual Fund

0.29%
28

ICICI Prudential Nifty Smallcap 250 Index Fund

ICICI Prudential Mutual Fund

0.28%
29

Bandhan Nifty Smallcap 250 Index Fund

Bandhan Mutual Fund

0.28%
30

HDFC Nifty Smallcap 250 Index Fund

HDFC Mutual Fund

0.28%
31

HDFC Balanced Advantage Fund

HDFC Mutual Fund

0.26%
32

Motilal Oswal Nifty Smallcap 250 Index Fund

Motilal Oswal Mutual Fund

0.26%
33

Kotak Nifty Smallcap 250 Index Fund

Kotak Mahindra Mutual Fund

0.26%
34

Edelweiss Nifty Smallcap 250 Index Fund

Edelweiss Mutual Fund

0.25%
35

Nippon India Nifty 500 Equal Weight Index Fund

Nippon India Mutual Fund

0.21%
36

Nippon India Small Cap Fund

Nippon India Mutual Fund

0.19%
37

HDFC Nifty500 Multicap 50:25:25 Index Fund

HDFC Mutual Fund

0.07%
38

Edelweiss Equity Savings Fund

Edelweiss Mutual Fund

0.06%
39

ICICI Prudential Nifty 500 Index Fund

ICICI Prudential Mutual Fund

0.03%
40

Axis Nifty 500 Index Fund

Axis Mutual Fund

0.03%
41

Bandhan Nifty Total Market Index Fund

Bandhan Mutual Fund

0.03%
42

HDFC BSE 500 Index Fund

HDFC Mutual Fund

0.03%
43

Motilal Oswal Nifty 500 Index Fund

Motilal Oswal Mutual Fund

0.03%
44

SBI Nifty 500 Index Fund

SBI Mutual Fund

0.03%
45

Groww Nifty Total Market Index Fund

Groww Mutual Fund

0.03%
46

Motilal Oswal BSE 1000 Index Fund

Motilal Oswal Mutual Fund

0.03%