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AAVAS Financiers

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AAVAS Financiers Q2 Results 2026 (FY27) investor presentation: Revenue & Margins

Q2 FY27 investor presentation: what the company reported on revenue, margins and fundraising.

Price₹1,114
Market cap₹8.8K Cr
P/E12.9
Updated26 Oct 2026
Read3 min read

Based on AAVAS Financiers's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

For Q2 FY27, the presentation reports: - Interest Income on Loans (incl. The presentation does not explicitly report EBITDA or operating margin figures for the quarter.

From AAVAS Financiers's Q2 FY27 earnings-call transcript · updated 26 Oct 2026.

Revenue & Sales Performance

  • For Q2 FY27, the presentation reports:
  • Interest Income on Loans (incl. Processing Fee): ₹6,501.9 mn, up 12.6% YoY from ₹5,772.9 mn in Q2 FY26.
  • Non-Interest Income: ₹363.7 mn, up 7.9% YoY.
  • Disbursements: Close to ₹19 bn, growing 21% YoY (page 5).
  • AUM grew by 16.1% YoY to ₹248 bn (page 5).
  • Outlook/Comments:
  • The company aims to reach ₹500 bn AUM as the next milestone (page 5).
  • Growth will focus on quality with sustainable profitability, strong governance, and disciplined liability management.
  • Technology is highlighted as a critical multiplier in this growth journey (page 5).

2 more points from AAVAS Financiers's call on revenue

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Profitability & Margins

  • The presentation does not explicitly report EBITDA or operating margin figures for the quarter.
  • For Q2 FY27, Profit After Tax (PAT) is ₹1,815.2 million, representing a 10.7% year-on-year increase from ₹1,639.3 million in Q2 FY26.
  • Net Total Income (NIM) for Q2 FY27 is ₹4,308.1 million, up 10.8% YoY.
  • Operating Expenses for Q2 FY27 are ₹1,817.7 million, a 7.1% increase YoY.

2 more points from AAVAS Financiers's call on margins

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Fundraising & Capital Structure

  • The presentation indicates an increase in borrowings: Borrowings rose from ₹139.2 bn in FY25 to ₹156.9 bn in FY26, growing at a 20% CAGR over 5 years (Page 31).
  • As of 30-Sep-26, borrowings stood at ₹164.85 bn, up from ₹156.86 bn on 31-Mar-26, highlighting a recent increase (Page 29).
  • Under Key Performance Highlights, borrowing cost remained stable at 7.64%, supported by strong liability management and the addition of two new large funding relationships (Page 5).
  • Incremental borrowings for H1FY27 were ₹31.5 bn at an average borrowing rate of 7.70% (Page 4).

2 more points from AAVAS Financiers's call on fundraising

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Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Akiko
Rev 1Mar 1
3
Rev 1Mar 2
4
Rev 1Mar 3
5
Rev 1Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

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What AAVAS Financiers's management said in earlier quarters

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Frequently Asked Questions

What were AAVAS Financiers Q2 FY27 results?

For Q2 FY27, the presentation reports: - Interest Income on Loans (incl. The presentation does not explicitly report EBITDA or operating margin figures for the quarter.

What is AAVAS Financiers share price analysis?

AAVAS Financiers currently shows a neutral. The stock trades at a P/E of 12.9 with a market cap of ₹8,834 Cr. Investors should review the full earnings analysis for detailed insights.

Is AAVAS Financiers planning capital expenditure?

The investor presentation "H1FY27" for Aavas Financiers Ltd.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.