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AAVAS Financiers Q2 FY27 Share Price & Earnings Call Analysis

₹1,062.90-4.38% today
Market cap
₹8,428 Cr
P/E
12.27
ROE
13.91%
PEG
0.82
Price to sales
3.05
Debt to equity
3.11
52W high / low
₹1,736 / ₹1,063
Sales growth (5Y)
19.46%
EBITDA margin
73.82%
Net profit margin
24.39%
Promoter holding
48.88%
Sales (last year)
₹2,765 Cr

Incorporated in 2011, Aavas Financiers Ltd provides housing loans & advances[1]

Guidance scorecard · Q2 FY27 call

What AAVAS Financiers's management guided
and where it ranks in Finance

#41of 59 in
Finance
Revenue20–40%MarginsDown 0–2%CapexPlannedFundraisingWhat management saidOrder bookRising

RevenueQ1 FY27 call

20–40%
  • Aavas Financiers targets sustainable medium-term AUM growth of around 20%.
  • For the current fiscal year, guidance is 17-18% AUM growth.
  • Disbursement growth guidance is higher at 22-23% for the year.
  • Focus on improving productivity per resource to double disbursement per employee from Rs. 8-10 lakhs to Rs. 20-22 lakhs.
  • Emphasis on accelerating customer acquisition, particularly in the home loan segment, aiming for higher market share.
  • Expected improvement in branch-level profitability and operational efficiencies.

2 more points from AAVAS Financiers's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Down 0–2%

See what AAVAS Financiers said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • The company emphasizes continuing branch expansion, having reached 440 branches across 15 states as of Q1FY27, with plans to further deepen and diversify presence.
  • Focus remains on faster branch-level break-evens and closely monitoring new branches for better productivity and profitability.
  • Investments appear to be oriented towards evolving franchise growth, improving productivity, customer acquisition, and technology/data leverage for decision-making and governance.
Full Q1 FY27 analysis

FundraisingQ1 FY27 call

See what AAVAS Financiers said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Rising
  • The discussion mainly covers financial performance, growth guidance, disbursement trends, asset quality, competitive environment, and regulatory/operational matters.
  • You may want to refer to the company’s official reports or contact their Investor Relations for precise data on orderbook status.
Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does AAVAS Financiers rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

AAVAS Financiers announcements

All announcements →

Financials of AAVAS Financiers

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

AAVAS Financiers

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +39.10%26.47%26.47%26.47%26.47%26.47%48.96%48.96%48.95%48.88%48.88%48.88%
FIIs +32.32%34.80%35.88%35.50%33.97%29.67%29.77%25.88%24.72%16.74%16.28%15.20%
DIIs +15.29%23.99%24.39%25.55%25.69%10.75%11.52%14.13%14.30%22.14%22.15%22.40%
Public +13.29%14.76%13.26%12.49%13.87%33.11%9.75%11.02%12.04%12.24%12.69%13.53%
No. of Shareholders1,32,6441,51,6801,44,3951,44,4521,47,8941,32,7921,21,8621,22,0521,20,6951,17,9801,13,4981,08,686

Pros & Cons

AAVAS Financiers

Key positives and risks surfaced from the company insights section.

Pros
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 14.0% over last 3 years.
  • Company might be capitalizing the interest cost
Raw Insights
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 14.0% over last 3 years.
  • Company might be capitalizing the interest cost

Financials of AAVAS Financiers

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +497508546542579597636628667674715709736
Interest204217222235249259265271276274273293305
Expenses +130134139138133142170168170170199185184
Financing Profit163157186169198196202188222230243231247
Financing Margin %33%31%34%31%34%33%32%30%33%34%34%33%34%
Other Income +1110111000000
Depreciation8999991091111121112
Profit before tax157150177161190188193179211219231220236
Tax %22%22%20%22%22%22%20%22%22%22%21%22%23%
Net Profit +122117143126148146154139164170182171182
EPS in Rs15.3814.7418.0215.9318.6918.5019.4217.5920.7121.4822.9121.6022.89
Gross NPA %1.04%1.09%0.94%1.01%1.08%1.14%1.08%1.22%1.24%1.19%1.05%1.11%1.11%
Net NPA %0.76%0.79%0.67%0.72%0.78%0.81%0.73%0.84%0.85%0.79%0.68%0.71%0.70%

Financials of AAVAS Financiers

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +1041913054947109021,1031,3041,6082,0182,3552,6832,834
Interest53971431932553564584785918281,0071,0951,146
Expenses +214372161188225273349441535582706737
Financing Profit305190139266321372477576654765882951
Financing Margin %29%27%29%28%38%36%34%37%36%32%32%33%34%
Other Income +0001112123411
Depreciation1136102021242933364346
Profit before tax295088134258302353455549624733840906
Tax %34%34%35%31%32%18%18%22%22%21%22%22%
Net Profit +19335793176249290357430491574655705
EPS in Rs5.097.509.8213.4622.5231.8136.8845.2054.4062.0072.5382.6088.88
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

Financials of AAVAS Financiers

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital33385869787878797979797979
Reserves691655081,1211,7592,0202,3232,7303,1913,6944,2824,9725,319
Borrowing7041,4471,7932,7553,6535,3826,3788,0129,88712,41213,91815,68616,485
Other Liabilities +47609195137177181200254334339476457
Total Liabilities8521,7112,4514,0405,6277,6578,96011,02013,41116,51918,61821,21222,341
Fixed Assets +5610182360586678116134169187
CWIP0000010220111090
Investments001444468123182230271344
Other Assets +8471,7052,4404,0175,5997,5928,89710,88513,18916,21018,24420,76421,810
Total Assets8521,7112,4514,0405,6277,6578,96011,02013,41116,51918,61821,21222,341

Financials of AAVAS Financiers

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-591-591-933-1,276-1,172-1,071-1,136-1,920-2,001-1,660-1,386
Cash from Investing Activity +-1-15-218-327-342-265-467196-646176-117
Cash from Financing Activity +8166401,2401,4041,7051,0081,6231,8582,4911,4751,720
Net Cash Flow2243490-199191-32820134-156-9217
Free Cash Flow-592-598-947-1,290-1,192-1,079-1,151-1,958-2,032-1,688-1,418

Financials of AAVAS Financiers

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %24%21%15%11%12%13%13%14%14%14%14%14%

Guidance history

How AAVAS Financiers's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%Down 0–2%Planned—Rising
Q4 FY26 call →20–40%FlatPlannedPlanned—
Q3 FY26 call →20–40%FlatPlanned—Rising
Q2 FY26 call →20–40%FlatPlanned——

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

8out of 100

Momentum score · price trend

8 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−36.8%16%
Last 6 months−23.0%16%
Last 3 months−21.8%17%

The price is 65.4% below its all-time high of ₹3,068.5 (18 Feb 2022). Stocks more than 20% below their peak have their score halved, so 16 became 8.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For AAVAS Financiers: 0.4 × 16 + 0.4 × 16 + 0.2 × 17 = 16, halved to 8 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 30 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What AAVAS Financiers's management said in earlier quarters

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