Aavas Financiers Limited

AAVASNSE

Market snapshot · 2026-08-11 14:13 UTC

₹1,396.80

₹-7.20 (-0.51%)

MARKET CAP

₹11.08K Cr

STOCK P/E

16.2x

52W HIGH

₹1,771.90

52W LOW

₹1,060.40

BOOK VALUE

₹637.79

EPS

₹86.21

ROE

—

SECTOR

Financials

GROSS NPA

0.00%

VOLUME

1.60L

P/B RATIO

2.19x

NET NPA

0.00%

Sector

Financials

Themes

Home Financing

Earnings

AI Summary

✦ Clartha

Price Forecast

Current

₹1,397

High Target

₹2,456

▲ +75.8%

Median Target

₹1,668

▲ +19.4%

Low Target

₹1,440

▲ +3.1%

Price history (1Y)

Analyst target range

20 analysts

Probabilistic Range

Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.

Time horizonRange (₹)Probability

3M₹1,150 - ₹1,70480%

6M₹1,063 - ₹1,85480%

12M₹952.36 - ₹2,09180%

Realized vol: +30.7% · Drift: +5.7%

Revenue Forecast

₹ Cr

Jun '26Current₹709.0

Sep 2026 ETrend estimate range

High₹812.1Base₹752.0Low₹691.8

PastCurrentTrend estimate: Low / Base / High

EPS Forecast

₹ / share

Jun '26Current₹21.60

Sep 2026 ETrend estimate range

High₹27.59Base₹24.64Low₹21.68

PastCurrentTrend estimate: Low / Base / High

EPS forecast unavailable from FMP/yfinance.

Market Intelligence

Multi-factor synthesis of 5 key dimensions

Overall Outlook

Supportive

78%

Analyst Consensus

Weakening

From 20 analysts

Mean upside+22.1%

Fundamentals

Strong

Fundamentals institutional score is 77 using growth durability 76.9.

Valuation

Attractive relative to peers

Valuation institutional score is 94 using relative multiple z-scores where peer dispersion is available.

Analyst Consensus

Neutral

Analyst View institutional score is 58 using mean target upside 22.1%; dispersion penalty 23.8; recommendation breadth from available consensus.

Technical Structure

Mixed Momentum

Technicals institutional score is 68 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.

Market Sentiment

Positive catalysts emerging

Recent news flow is skewing constructive on impact and recency. Based on 6 recent ticker-linked news items.

Signal Summary

Market intelligence remains Supportive. fundamentals and valuation provide support.

Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.

Fundamentals StrongValuation Attractive relative to peersAnalyst Consensus NeutralTechnical Structure Mixed MomentumMarket Sentiment Positive catalysts emerging

Key Data Points

Mean Target Price1,705.5 target

Mean Upside+22.1%

Technical Score68%

Fundamental Score77%

Data CoverageHigh

Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.

Valuation Metrics

Trading 13.5% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -1.02). Confidence: 88%.

Live forward EPS implies next-12-month EPS of ₹114.95. Applying the stock's normalized valuation corridor produces a fair range of ₹1,912.77 to ₹2,228.88, with base value near ₹2,112.78 (+50.5% vs current price).

Forward Valuation Outlook

Live forward estimate anchored to the company's historical valuation corridor.

Below normalized range

Forward EPS

₹114.95

Forward P/E

12.2x

Base Fair Value

₹2,112.78

Fair Range

₹1,912.77 - ₹2,228.88

Upside To Base

+50.5%

Estimate Source

Live forward EPS

Growth Estimate

+23.3%

P/B

5Y Average

2.64

Current

2.20

Overvalued

3.04

Undervalued

2.25

P/E

5Y Average

20.46

Current

15.90

Overvalued

19.39

Undervalued

16.64

P/S

5Y Average

8.87

Current

6.89

Overvalued

9.90

Undervalued

7.41

Peers & Comparison

Sector: Financials · Theme: Home Financing

Home Financing Business Peers8 peers

Avg P/E: 32.8x

Company	Rev. Growth	Margin	P/E	vs Avg	52W Perf.
INDIA SHELTER FIN CORP L INDIASHLTRHome Financing	+21.8%	48.0%	15.5x Undervalued	-53% vs avg	-30.4%
SAMMAAN CAPITAL LIMITED SAMMAANCAPHome Financing	—	0.0%	—	—	+35.8%
PIRAMAL FINANCE LIMITED PIRAMALFINHome Financing	+30.4%	32.6%	28.3x Fair	-14% vs avg	+58.8%
IFCI LTD IFCISpecialized Finance	—	0.0%	106.4x Premium	+224% vs avg	+44.0%
INDIAN RENEWABLE ENERGY IREDASpecialized Finance	+23.7%	46.0%	16.9x Undervalued	-48% vs avg	-17.2%
MOTILAL OSWAL FIN LTD MOTILALOFSDiversified Financials	+23.9%	23.0%	27.5x Undervalued	-16% vs avg	-5.3%
AUTHUM INVEST & INFRA LTD AIILSpecialized Finance	+14.1%	82.1%	30.1x Fair	-8% vs avg	+3.7%
LIC HOUSING FINANCE LTD LICHSGFINHome Financing	+14.5%	65.2%	4.8x Undervalued	-85% vs avg	-12.8%

Home Financing Theme Peers6 peers

Avg P/E: 14.9x

Company	Rev. Growth	Margin	P/E	vs Avg	52W Perf.
INDIA SHELTER FIN CORP L INDIASHLTRHome Financing	+21.8%	48.0%	15.5x Fair	+4% vs avg	-30.4%
SAMMAAN CAPITAL LIMITED SAMMAANCAPHome Financing	—	0.0%	—	—	+35.8%
PIRAMAL FINANCE LIMITED PIRAMALFINHome Financing	+30.4%	32.6%	28.3x Premium	+90% vs avg	+58.8%
LIC HOUSING FINANCE LTD LICHSGFINHome Financing	+14.5%	65.2%	4.8x Undervalued	-68% vs avg	-12.8%
APTUS VALUE HSG FIN I LTD APTUSHome Financing	+16.8%	61.8%	13.1x Fair	-12% vs avg	-26.5%
PNB HOUSING FIN LTD. PNBHOUSINGHome Financing	+5.8%	61.4%	12.8x Fair	-14% vs avg	+49.8%

WHY THESE PEERS

AAVAS FINANCIERS LIMITED trades at a discount (15.8x vs peer avg 32.8x), suggesting potential undervaluation relative to the Home Financing cohort. Peers include INDIA SHELTER FIN CORP L, SAMMAAN CAPITAL LIMITED, PIRAMAL FINANCE LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹709 CrJun 2026

Latest net profit

₹171 CrJun 2026

Free cash flow

₹-1.42K CrMar 2026

Net Profit

₹171 CrProfit conversion

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %

Revenue
Net income
Net margin %

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore

Latest reported period: Jun 2026

Debt level and coverage

Debt, cash and free cash flow compared on the same crore scale.

Rs crore

Debt free

Free cash flow
Cash & equivalents

Results

Metric	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue +	467	497	508	546	542	579	597	636	628	667	674	715	709
Interest	187	204	217	222	235	249	259	265	271	276	274	273	293
Expenses +	132	130	134	139	138	133	142	170	168	170	170	199	185
Financing Profit	148	163	157	186	169	198	196	202	188	222	230	243	231
Financing Margin %	32%	33%	31%	34%	31%	34%	33%	32%	30%	33%	34%	34%	33%
Other Income +	0	1	1	1	0	1	1	1	0	0	0	0	0
Depreciation	7	8	9	9	9	9	9	10	9	11	11	12	11
Profit before tax	141	157	150	177	161	190	188	193	179	211	219	231	220
Tax %	22%	22%	22%	20%	22%	22%	22%	20%	22%	22%	22%	21%	22%
Net Profit +	110	122	117	143	126	148	146	154	139	164	170	182	171
EPS in Rs	13.87	15.38	14.74	18.02	15.93	18.69	18.50	19.42	17.59	20.71	21.48	22.91	21.60
Gross NPA %	1.00%	1.04%	1.09%	0.94%	1.01%	1.08%	1.14%	1.08%	1.22%	1.24%	1.19%	1.05%
Net NPA %	0.73%	0.76%	0.79%	0.67%	0.72%	0.78%	0.81%	0.73%	0.84%	0.85%	0.79%	0.68%
Raw PDF
YOY Sales Growth %	32.32%	25.82%	23.53%	21.47%	16.19%	16.61%	17.47%	16.52%	15.70%	15.17%	12.98%	12.33%	12.93%
Employee Cost %	20.33%	16.51%	16.36%	17.56%	16.88%	14.44%	15.19%	17.60%	17.64%	16.93%	16.94%	18.54%	17.17%
Other income normal	0.04	0.78	1.19	0.78	0.17	1.29	1.18	1.28	0.37	0.43	0.42	0.15	0.38
Profit excl Excep	110	122	117	143	126	148	146	154	139	164	170	182	171
Profit for PE	110	122	117	143	126	148	146	154	139	164	170	182	171
Profit for EPS	110	122	117	143	126	148	146	154	139	164	170	182	171
YOY Profit Growth %	23%	14%	9%	13%	15%	22%	26%	8%	10%	11%	16%	18%	23%

All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).

Shareholding Pattern

Holder	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters +	48.96%	48.96%	48.95%	48.88%	48.88%
FIIs +	29.77%	25.88%	24.72%	16.74%	16.28%
DIIs +	11.52%	14.13%	14.30%	22.14%	22.15%
Public +	9.75%	11.02%	12.04%	12.24%	12.69%
Others	—	0.01%	—	—	—

Jun 2026

Promoters +

FIIs +

DIIs +

Public +

Events Timeline

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

Aug 06, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Press Release / Media Release

Jul 31, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Change in Management

Jul 31, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Allotment

Jul 30, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Earnings Call Transcript

Jul 27, 2026PDFCompany Reports Open