Aavas Financiers profitability ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	13.9%	13.9%	14.1%	13.9%	14.2%
	3.3%	3.3%	3.3%	3.3%	3.5%
	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%
	24.9%	24.4%	24.4%	24.3%	26.7%
Leverage
	4.20×	4.20×	4.27×	4.38×	4.10×
	3.09×	3.09×	3.18×	3.27×	3.01×
Additional
	22.2%	22.1%	21.6%	21.4%	21.7%

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

alphave

AAVAS₹1,111.60

Aavas Financiers Ltd.

· Banking & Finance

₹ CrorePeersAADHARHFC HOMEFIRST APTUS ABSLAMC UCOBANK STARHEALTH PINELABS CANFINHOMEMcap ₹8,813 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	14.15	13.93	14.12	13.92	13.92
Return on Assets	3.52	3.28	3.27	3.29	3.29
Margins & Efficiency
Net Interest Margin (on avg assets)	6.53	6.06	5.75	5.95	5.95
Cost to Income	44.17	44.92	43.15	44.37	44.37
Credit Cost (impairment / avg loans)	0.12	0.19	0.18	0.19	0.19
Net Income Margin	26.74	24.32	24.38	24.40	24.86
Leverage
Leverage (Assets/Equity)	4.10	4.38	4.27	4.20	4.20
Total Debt/Equity	3.01	3.27	3.18	3.09	3.09
Additional
Effective Tax Rate	21.66	21.42	21.63	22.08	22.22

No consensus estimates → no Est columns. Click any row to chart it.

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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%.