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Data quality observations on this stock — see hidden fields below.
Reported as ticker: AAVAS· We're continuously improving data quality. Contact support if this persists.
Aavas Financiers Limited
AAVAS · NBFC · NSE
₹1,300
Current Market Price
Fair Value (P/B + Residual Income)
₹1,454
Discount to FV
+11.9%
Updated 31m ago
YieldIQ Score
68/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
90%
ROE
13.0%
Debt/Equity
3.11
Cost of Equity
11.0%
Market Cap
₹10,304 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
3.0%
Return on capital employed
Revenue CAGR (3Y)
20.8%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,299.6
Bear case
Discount -27.6%
Base case
Discount +10.6%
Bull case
Discount +31.3%
Ratio Trends
AAVAS · last 7 annual periods
ROE
13.0%
ROCE
3.0%
Operating Margin
—
Debt / Equity
3.11×
PE
13.1×
EV / EBITDA
38.4×
Historical Financials
AAVAS · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1111 Cr | ₹1356 Cr | ₹1680 Cr | ₹2125 Cr | ₹2393 Cr | +21.1% |
| EBITDA | ₹480 Cr | ₹581 Cr | ₹663 Cr | ₹563 Cr | ₹625 Cr | +6.8% |
| EBIT | ₹930 Cr | ₹1139 Cr | ₹1454 Cr | — | — | +11.8% |
| PAT | ₹355 Cr | ₹430 Cr | ₹491 Cr | ₹574 Cr | ₹655 Cr | +16.5% |
| EPS (diluted) | ₹44.81 | ₹54.26 | ₹61.93 | — | — | +8.4% |
| CFO | ₹-1135 Cr | ₹-1924 Cr | ₹-2001 Cr | ₹-1660 Cr | ₹-1386 Cr | — |
| CapEx | ₹-15.6 Cr | ₹-39.0 Cr | ₹-32.7 Cr | ₹-30.1 Cr | ₹-32.8 Cr | — |
| FCF | ₹-1151 Cr | ₹-1963 Cr | ₹-2033 Cr | ₹-1690 Cr | ₹-1419 Cr | — |
| Total Assets | ₹11.0K Cr | ₹13.4K Cr | ₹16.5K Cr | ₹18.6K Cr | ₹21.2K Cr | +17.8% |
| Total Debt | ₹8012 Cr | ₹9887 Cr | ₹12.4K Cr | ₹13.9K Cr | ₹15.7K Cr | +18.3% |
| Shareholders' Equity | ₹2806 Cr | ₹3270 Cr | ₹3773 Cr | ₹4361 Cr | ₹5051 Cr | +15.8% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
AAVAS vs 4 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 CANFINHOME CANFINHOME | — | — | Pending | 18.2% | 9.7× |
 HOMEFIRST HOMEFIRST | — | — | Pending | 12.4% | — |
 APTUS APTUS | — | — | Pending | 18.6% | — |
INDIASHLTR INDIASHLTR | — | — | Pending | 15.8% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for AAVAS in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Aavas Financiers Limited (AAVAS.NS) trades at 1299.60 vs a model fair value of 1454.44, a gap of 11.9%. Piotroski F-score: 7/9. Moat labe...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of AAVAS →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for AAVAS →
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Compare AAVAS side by side →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse AAVASNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.