Aavas Financiers Ltd.
NSE: AAVAS · Housing Finance Company
Snapshot
Unlock Aavas Financiers Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Aavas Financiers Limited is a housing finance company focused on providing mortgage loans to low- and middle-income self-employed individuals in semi-urban and rural India. The company offers a diverse product suite including home purchase, construction, improvement, and home equity loans, alongside MSME business financing.
Business Model
The company generates revenue primarily through net interest margins on its loan portfolio, which is funded by a mix of debt and equity. It operates a branch-led model with 314 locations across 13 Indian states to facilitate direct customer engagement and credit appraisal.
- Branch Network:314
- Operational States:13
Growth Outlook
Growth is driven by the increasing demand for affordable housing in semi-urban and rural regions, supported by government initiatives and financial inclusion. The company continues to expand its geographic footprint and diversify its product offerings to include MSME and emergency credit line products.
Key Risks
- Credit Risk. The company's focus on low- and middle-income borrowers in the informal sector increases exposure to potential loan defaults and asset quality deterioration.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer base.
- Geographic Concentration. A significant portion of the business is concentrated in specific Indian states, making the portfolio vulnerable to regional economic downturns or localized disruptions.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding priority sector lending could adversely affect the company's operational model and profitability.
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Key Metrics
REVENUE
₹2,765 Cr
TTM · standalone
NET PROFIT
₹687 Cr
TTM · standalone
EPS
₹86.73
TTM · standalone
RETURN ON EQUITY
14.6%
TTM · standalone
P/E
15.0x
Q1 FY27 · standalone
EBITDA MARGIN
73.9%
TTM · standalone
NET PROFIT MARGIN
24.2%
Q1 FY27 · standalone
DEBT TO EQUITY
3.1%
Q1 FY27 · standalone
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Aavas Financiers Ltd.AAVAS | ₹10,341 Cr | 15.04 | — | 13.3% | 73.9% | 14.6% | — | -17.2% |
Sammaan Capital Ltd.SAMMAANCAP | ₹18,398 Cr | -1.77 | — | -17.1% | 46.1% | -35.5% | 19.9% | +15.7% |
Aptus Value Housing Finance India Ltd.APTUS | ₹12,962 Cr | 13.15 | — | 22.9% | 83.5% | 21.0% | — | -21.3% |
Home First Finance Company India Ltd.HOMEFIRST | ₹12,649 Cr | 21.63 | — | 21.3% | 79.0% | 16.9% | — | -3.3% |
Can Fin Homes Ltd.CANFINHOME | ₹10,751 Cr | 9.52 | — | 8.2% | 92.1% | 20.5% | 26.9% | +6.7% |
India Shelter Finance Corporation LimitedINDIASHLTR | ₹7,366 Cr | 13.89 | — | 25.7% | 72.3% | 17.9% | — | -25.7% |
As of Q1 FY27
Financials
Aavas Financiers Ltd.
NSE: AAVAS · Housing Finance Company
Snapshot
Unlock Aavas Financiers Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Aavas Financiers Limited is a housing finance company focused on providing mortgage loans to low- and middle-income self-employed individuals in semi-urban and rural India. The company offers a diverse product suite including home purchase, construction, improvement, and home equity loans, alongside MSME business financing.
Business Model
The company generates revenue primarily through net interest margins on its loan portfolio, which is funded by a mix of debt and equity. It operates a branch-led model with 314 locations across 13 Indian states to facilitate direct customer engagement and credit appraisal.
- Branch Network:314
- Operational States:13
Growth Outlook
Growth is driven by the increasing demand for affordable housing in semi-urban and rural regions, supported by government initiatives and financial inclusion. The company continues to expand its geographic footprint and diversify its product offerings to include MSME and emergency credit line products.
Key Risks
- Credit Risk. The company's focus on low- and middle-income borrowers in the informal sector increases exposure to potential loan defaults and asset quality deterioration.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer base.
- Geographic Concentration. A significant portion of the business is concentrated in specific Indian states, making the portfolio vulnerable to regional economic downturns or localized disruptions.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding priority sector lending could adversely affect the company's operational model and profitability.
Start your research today
Unlock AI insights, financials, peers and live data on Aavas Financiers Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹2,765 Cr
TTM · standalone
NET PROFIT
₹687 Cr
TTM · standalone
EPS
₹86.73
TTM · standalone
RETURN ON EQUITY
14.6%
TTM · standalone
P/E
15.0x
Q1 FY27 · standalone
EBITDA MARGIN
73.9%
TTM · standalone
NET PROFIT MARGIN
24.2%
Q1 FY27 · standalone
DEBT TO EQUITY
3.1%
Q1 FY27 · standalone
Peers · Housing Finance Company
As of Q1 FY27