Aavas Financiers financials

·Banking & FinanceChart ›
Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹737cr+10.4% on Q2 FY26
Net interest income
₹325cr+12.7% on Q2 FY26
Net profit
₹182cr+10.7% on Q2 FY26
EPS
₹22.89+10.5% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income737667+10.4%
Net interest income325288+12.7%
Net profit182164+10.7%
EPS₹22.89₹20.71+10.5%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹737 crNet profit₹182 crNet interest margin5.8%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
8,849————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
2,8352,6852,3582,0201,610
—+13.8%+16.7%+25.5%—
1,2681,1851,010906797
—+17.3%+11.5%+13.7%—
6.0%6.0%5.8%6.1%6.5%
44.4%44.4%43.2%44.9%44.2%
0.2%0.2%0.2%0.2%0.1%
705655574491430
—+14.1%+17.0%+14.1%—
₹88.86₹82.60₹72.41₹61.89₹54.25
—+14.1%+17.0%+14.1%—
13.9%13.9%14.1%13.9%14.2%
3.3%3.3%3.3%3.3%3.5%
Balance sheet
19,32118,37316,23014,00411,476
—+13.2%+15.9%+22.0%—
15,59215,59213,85012,3369,841
3.09×3.09×3.18×3.27×3.01×
4.20×4.20×4.27×4.38×4.10×
Open the chart

From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

AAVAS₹1,116.10

Aavas Financiers Ltd.

· Banking & Finance
₹ CrorePeersAADHARHFCHOMEFIRSTAPTUSABSLAMCUCOBANKSTARHEALTHPINELABSCANFINHOMEMcap ₹8,849 Cr
HighlightsEnterprise ValueMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————8,848.7
Total Income1,610.12,020.32,358.42,684.82,835.3
Growth %, YoY—+25.5+16.7+13.8—
Net Interest Income797.1906.31,010.21,184.91,267.7
Growth %, YoY—+13.7+11.5+17.3—
NIM %, on assets6.536.065.755.955.95
Cost to Income %44.1744.9243.1544.3744.37
Credit Cost %, on avg loans0.120.190.180.190.19
Net Income430.1490.7574.1654.9704.5
Growth %, YoY—+14.1+17.0+14.1—
EPS, Adj (current shares)54.2561.8972.4182.6088.86
Growth %, YoY—+14.1+17.0+14.1—
ROE %14.1513.9314.1213.9213.92
ROA %3.523.283.273.293.29
Balance Sheet
Loans11,476.314,004.416,229.718,372.719,320.7
Growth %, YoY—+22.0+15.9+13.2—
Total Borrowings9,840.712,336.513,849.915,592.215,592.2
Debt/Equity ×3.013.273.183.093.09
Leverage (Assets/Equity) ×4.104.384.274.204.20
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · StandaloneFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Aavas Financiers financials and key ratios

Prices at the 29 October 2026 close · figures from the company's filings with NSE

Aavas Financiers (NSE: AAVAS) had a market capitalisation of ₹8,814 crore at the 29 October 2026 close (₹1,111.60 a share), a PE ratio of 12.5 on the last four quarters' profit and a price-to-book ratio of 1.63. In FY26 its consolidated net profit was ₹655 crore on revenue of ₹2,683 crore; in Q2 FY27 (July–September 2026) it was ₹182 crore, up 10.7% year on year. Promoters held 48.88% of the shares on 30 September 2026.

Share price used
₹1,111.60 · 29 October 2026 close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

Aavas Financiers at a glance · consolidated

Market cap
₹8,814 Crat ₹1,111.60 · 29 Oct close
PE ratio (last 4 quarters)
12.513.5 on FY26 profit
Price to book (PB)
1.63book value ₹680.81 a share
ROE (FY26)
13.9%
Debt to equity
3.03net debt ₹14,482 Cr
Promoter holding
48.88%unchanged vs 30 Jun 202630 September 2026

Questions

What is the Aavas Financiers PE ratio today?

Aavas Financiers' PE ratio is 12.5 at the 29 October 2026 close (₹1,111.60 a share): a market capitalisation of ₹8,814 crore divided by consolidated net profit of ₹705 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹655 crore) it is 13.5.

What is the Aavas Financiers debt to equity ratio?

Aavas Financiers' debt-to-equity ratio was 3.03 on 30 September 2026: borrowings, debt securities, deposits and subordinated debt of ₹16,383 crore against total equity of ₹5,398 crore. A year earlier, on 30 September 2025, it was 3.06.

What is the Aavas Financiers net worth?

Aavas Financiers' net worth — shareholders' equity in its consolidated balance sheet — was ₹5,398 crore on 30 September 2026, up 15.4% from ₹4,680 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹8,814 crore at the 29 October 2026 close.

What is the Aavas Financiers PB ratio (price to book value)?

Aavas Financiers' price-to-book (PB) ratio is 1.63 at the 29 October 2026 close: a market capitalisation of ₹8,814 crore divided by shareholders' equity (book value) of ₹5,398 crore on 30 September 2026. That is a book value of ₹680.81 per share against a share price of ₹1,111.60.

What is the Aavas Financiers book value per share?

Aavas Financiers' book value per share was ₹680.81 on 30 September 2026: shareholders' equity of ₹5,398 crore divided by the 7.93 crore shares in issue, up 15.2% from ₹591.18 a year earlier. The share price at the 29 October 2026 close was ₹1,111.60.

What is the Aavas Financiers shareholding pattern?

On 30 September 2026, Aavas Financiers' shares were held by promoters 48.88%, foreign portfolio investors (FII/FPI) 15.20%, domestic institutions (DII) 22.40% (including mutual funds at 17.85%) and retail and other non-institutional investors 13.53%. Over the year, FII holding was down 10.68 percentage points from 25.88% and DII holding was up 8.26 percentage points from 14.14%.

What is the Aavas Financiers market cap?

Aavas Financiers' market capitalisation was ₹8,814 crore at the 29 October 2026 close: 7.93 crore shares at ₹1,111.60 each.

What is the Aavas Financiers ROE?

In FY26, Aavas Financiers' return on equity (ROE) was 13.9%. ROE is net profit divided by average shareholders' equity (the start and end of the year).

What is the Aavas Financiers EPS?

Aavas Financiers' basic earnings per share (EPS) were ₹82.72 in FY26, against ₹72.54 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹88.91.

What is the Aavas Financiers promoter holding?

Promoters held 48.88% of Aavas Financiers on 30 September 2026, unchanged from the previous quarter and down 0.08 percentage points from 48.96% a year earlier, according to the shareholding pattern filed with NSE.

What are the Aavas Financiers latest quarterly results?

Aavas Financiers' latest results are for Q2 FY27 (July–September 2026): consolidated net profit ₹182 crore, up 10.7% from ₹164 crore in Q2 FY26; revenue from operations ₹736 crore, up 10.4% year on year.

When are the Aavas Financiers next results?

Aavas Financiers has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

What is the Aavas Financiers revenue and profit in FY26?

In FY26 (April 2025–March 2026), Aavas Financiers' consolidated net profit was ₹655 crore, up 14.1% from ₹574 crore in FY25, on revenue from operations of ₹2,683 crore (up 14.0%). Over three years, from FY23, net profit was up 52.3%.

How does the Aavas Financiers PE ratio compare with its peers?

At the 29 October 2026 closing prices, on FY26 net profit, Aavas Financiers' PE ratio is 13.5, the third highest of the four: Aadhar Housing Finance 17.6, Home First Finance Company India 20.6 and Aptus Value Housing Finance India 10.6, a peer average of 16.3. Each is the company's market capitalisation at that price divided by its FY26 net profit.

Aavas Financiers vs Aadhar Housing Finance: how do they compare?

In FY26, Aavas Financiers earned net profit of ₹655 crore on revenue of ₹2,683 crore, against ₹1,096 crore on ₹3,673 crore for Aadhar Housing Finance. At the 29 October 2026 close, Aavas Financiers' market capitalisation was ₹8,814 crore against ₹19,243 crore for Aadhar Housing Finance, and its PE ratio on FY26 profit 13.5 against 17.6.

How does Aavas Financiers compare with its peers?

On FY26 consolidated figures, against Aadhar Housing Finance, Home First Finance Company India and Aptus Value Housing Finance India: Aavas Financiers' return on equity of 13.9% is the lowest of the four (Aadhar Housing Finance 15.8%, Home First Finance Company India 15.7%, Aptus Value Housing Finance India 20.1%; peer average 17.2%); its revenue growth over three years of 18.6% a year is the lowest of the four (Aadhar Housing Finance 21.6% a year, Home First Finance Company India 34.3% a year, Aptus Value Housing Finance India 27.1% a year; peer average 27.7% a year).

Where do these Aavas Financiers figures come from?

From Aavas Financiers' own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.