Who are in the management team of Aavas Financiers?

As of March 2023, Aavas Financiers' management team includes Sandeep Tandon (Chairperson), Sachinderpalsingh Jitendrasingh Bhinder (Managing Director & CEO), and several independent directors and nominees. The team consists of a diverse mix of leadership and compliance roles.

As of March 2023, the management team of Aavas Financiers includes the following members:<BR><BR>1. Kalpanaiyer - Independent Director<BR>2. Sandeep Tandon - Chairperson and Independent Director<BR>3. Ramachandra Kasargod Kamath - Nominee<BR>4. Vivek Vig - Nominee<BR>5. Nishant Sharma - Nominee<BR>6. Manas Tandon - Nominee<BR>7. Kartikeya Dhruv Kaji - Nominee<BR>8. Sharad Pathak - Company Secretary & Compliance Officer<BR>9. Soumya Rajan - Independent Director<BR>10. Sachinderpalsingh Jitendrasingh Bhinder - Managing Director & CEO<BR><BR>The team comprises a mix of independent directors, nominees, and key management personnel.

Has Aavas Financiers declared dividend?

No Dividend History Available

Who are the peers of the Aavas Financiers?

Aavas Financiers' peers include Bajaj Housing, LIC Housing Finance, PNB Housing, Aadhar Housing Finance, Aptus Value Housing, Home First Finance, Can Fin Homes, Sammaan Capital, and INDIA SHELTE FIN. Aavas has good management and growth ratings, with a 1-year return of 7.25%, compared to PNB Housing's highest return of 38.17% and LIC Housing's lowest at -21.02%.

Peers: The peers of Aavas Financiers are Bajaj Housing, LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, Can Fin Homes, Sammaan Capital, INDIA SHELTE FIN.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at Aavas Financiers, LIC Housing Fin., Home First Finan, and INDIA SHELTE FIN. Average management risk is present at Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., and Sammaan Capital. For Growth, Excellent growth is noted at Home First Finan and Bajaj Housing, while Good growth is seen at Aadhar Hsg. Fin., Aptus Value Hou., and Aavas Financiers. Below Average growth is found at LIC Housing Fin., PNB Housing, and Sammaan Capital. Excellent capital structure is seen at Aavas Financiers, Bajaj Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, and INDIA SHELTE FIN, while Average capital structure is noted at LIC Housing Fin. and PNB Housing, and Good capital structure is present at Can Fin Homes.<BR><BR>Return Snapshot: The peer with the highest 1-year return is PNB Housing at 38.17%, while the lowest is LIC Housing Fin. at -21.02%. Aavas Financiers has a 1-year return of 7.25%, which is higher than LIC Housing Fin. but lower than PNB Housing. Additionally, Sammaan Capital and Can Fin Homes have negative six-month returns.

What does Aavas Financiers do?

Aavas Financiers Ltd. is a mid-cap Housing Finance Company offering various loan products such as Home Loans and MSME Business Loans. As of March 2025, it reported net sales of ₹6,362 Cr and a net profit of ₹1,537 Cr, with a market cap of ₹15,314 Cr.

Overview:<BR>Aavas Financiers Ltd. is a mid-cap Housing Finance Company that primarily offers various loan products including Home Loans, Home Construction Loans, Loan against Property, Home Improvement Loans, and MSME Business Loans.<BR><BR>History:<BR>Aavas Financiers Ltd. is registered as a Housing Finance Company with the National Housing Bank. The company falls under the category of Middle Layer Non-Banking Financial Company as per the Scale Based Regulation by the Reserve Bank of India. The latest quarterly results reported are for March 2025, showing net sales and profit figures.<BR><BR>Financial Snapshot:<BR>Net Sales: 6,362 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 1,537 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: INR 15,314 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: 31.00 <BR>Industry P/E: 13 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 3.29 <BR>Return on Equity: 13.00% <BR>Price to Book: 4.10 <BR><BR>Contact Details:<BR>Address: 201-202 2nd Floor Southend, Square Mansarvor Industrial Ar Jaipur Rajasthan : 302020 <BR>Tel: 91-141-6618800 <BR>Email: ipo@aavas.in <BR>Website: http://www.aavas.in

Who are the top shareholders of the Aavas Financiers?

The top shareholders of Aavas Financiers include Lake District Holdings Limited with 15.6%, Aquilo House Pte. Ltd. at 22.5%, and foreign institutional investors holding 29.67%. Individual investors own 8.32% of the shares, while mutual funds account for 7.93% through 24 schemes.

The top shareholders of Aavas Financiers include a mix of institutional and individual investors. The largest promoter is Lake District Holdings Limited, holding 15.6% of the shares. Among public shareholders, Aquilo House Pte. Ltd. has the highest stake at 22.5%. Additionally, foreign institutional investors (FIIs) collectively hold 29.67% of the company, while mutual funds are represented by 24 schemes, accounting for 7.93%. Individual investors also have a notable presence, holding 8.32% of the shares.

How big is Aavas Financiers?

As of 24th July, Aavas Financiers Ltd. has a market capitalization of 15,116.00 Cr, with net sales of 2017.90 Cr and a net profit of 490.69 Cr for the latest four quarters. The balance sheet as of March 2024 shows shareholder's funds of 3,773.32 Cr and total assets of 16,519.45 Cr.

As of 24th July, Aavas Financiers Ltd. has a market capitalization of 15,116.00 Cr, categorizing it as a Mid Cap company.<BR><BR>For the latest four quarters, Aavas Financiers reported net sales of 2017.90 Cr and a net profit of 490.69 Cr.<BR><BR>As of March 2024, the balance sheet shows shareholder's funds of 3,773.32 Cr and total assets amounting to 16,519.45 Cr.

When is the next results date for Aavas Financiers?

Aavas Financiers will announce its results on 12 August 2025.

Aavas Financiers will declare its results on 12 August 2025.

Are Aavas Financiers latest results good or bad?

Aavas Financiers' latest results show strong growth in net interest income and profit, but the stock's high valuation and recent underperformance in the housing finance sector raise concerns about sustainability. Overall, the results are good in terms of growth, but caution is advised for investors.

Aavas Financiers' latest results present a mixed picture. On one hand, the company has shown commendable growth in its core lending operations, with net interest income increasing by 7.47% sequentially to ₹546.02 crores in Q2 FY26. The net profit also rose significantly, up 22.07% quarter-on-quarter to ₹142.48 crores, reflecting a year-on-year growth of 12.34%. Additionally, the operating profit before depreciation, interest, and tax (PBDIT) reached ₹408.02 crores, marking a 9.11% sequential increase.<BR><BR>However, the stock trades at a high valuation of 26 times trailing earnings, which is double the industry average of 13 times. This premium pricing raises concerns about the sustainability of the current price levels, especially considering the company's underperformance relative to the housing finance sector over the past year. The company's debt-to-equity ratio of 3.29 times also indicates elevated leverage, which could pose risks in a rising interest rate environment.<BR><BR>In summary, while Aavas Financiers demonstrates strong operational fundamentals and growth potential, its high valuation and recent underperformance suggest caution for investors. The results are good in terms of growth metrics, but the valuation and market performance raise critical questions about future sustainability.

How has been the historical performance of Aavas Financiers?

Aavas Financiers has shown consistent growth in net sales and profitability, with net sales increasing from 710.17 Cr in Mar'19 to 2,017.90 Cr in Mar'24, and profit after tax rising from 176.03 Cr to 490.69 Cr in the same period. Despite negative cash flow from operating activities, the company has demonstrated robust revenue growth and improved shareholder value.

Answer:<BR>The historical performance of Aavas Financiers shows a consistent growth trajectory in net sales and profitability over the years.<BR><BR>Breakdown:<BR>Aavas Financiers has demonstrated significant growth in net sales, increasing from 710.17 Cr in Mar'19 to 2,017.90 Cr in Mar'24. This upward trend is mirrored in total operating income, which rose from 493.57 Cr in Mar'18 to 2,017.90 Cr in Mar'24. The company’s operating profit (PBDIT) also saw a substantial increase, reaching 1,486.40 Cr in Mar'24, up from 332.96 Cr in Mar'18. Profit before tax followed a similar pattern, climbing from 257.85 Cr in Mar'19 to 625.37 Cr in Mar'24, while profit after tax rose from 176.03 Cr in Mar'19 to 490.69 Cr in Mar'24. The earnings per share (EPS) improved significantly from 22.54 in Mar'19 to 62.0 in Mar'24, reflecting enhanced shareholder value. On the balance sheet, total assets grew from 5,626.90 Cr in Mar'19 to 16,519.45 Cr in Mar'24, while total liabilities increased from 5,626.90 Cr to 12,336.50 Cr in the same period. Cash flow from operating activities has been negative, with -1,986.00 Cr reported in Mar'24, although cash flow from financing activities showed a positive trend, reaching 2,477.00 Cr in the same year. Overall, Aavas Financiers has shown robust growth in revenue and profitability, despite challenges in cash flow management.

Should I buy, sell or hold Aavas Financiers?

Is Aavas Financiers technically bullish or bearish?

As of December 1, 2025, Aavas Financiers exhibits a bearish trend supported by multiple indicators, including bearish MACD readings, Bollinger Bands, and moving averages, while underperforming the Sensex.

As of 1 December 2025, the technical trend for Aavas Financiers has changed from mildly bearish to bearish. The current stance is bearish with a strong indication from multiple indicators. Both the weekly and monthly MACD are bearish, and Bollinger Bands also reflect a bearish trend in both time frames. Daily moving averages confirm a bearish outlook as well. The KST shows a mildly bullish signal on the weekly but is mildly bearish on the monthly, indicating some divergence. Dow Theory supports a mildly bearish stance in both weekly and monthly assessments. Overall, the strength of the bearish trend is reinforced by the stock's performance, which has underperformed the Sensex across various time frames.

Is Aavas Financiers overvalued or undervalued?

As of December 3, 2025, Aavas Financiers is considered overvalued with a PE ratio of 23.71, significantly higher than its peers, and has underperformed the Sensex with a year-to-date return of -12.35%.

As of 3 December 2025, Aavas Financiers has moved from a valuation grade of very expensive to expensive, indicating a shift in perception regarding its market valuation. The company is currently considered overvalued based on its key financial ratios, which include a PE ratio of 23.71, an EV to EBITDA of 14.99, and a Price to Book Value of 3.08. <BR><BR>In comparison to its peers, Aavas Financiers' PE ratio is significantly higher than that of LIC Housing Finance, which has a PE of 5.45, and PNB Housing, which stands at 10.73, suggesting that Aavas is trading at a premium relative to these companies. Additionally, while Aavas has a PEG ratio of 1.81, indicating potential growth, it is still higher than the PEG of HUDCO at 1.18. Recent stock performance shows that Aavas has underperformed the Sensex, with a year-to-date return of -12.35% compared to the Sensex's gain of 8.92%, reinforcing the view that the stock may be overvalued in the current market environment.

Which are the latest news on Aavas Financiers?

Why is Aavas Financiers falling/rising?

As of 21-Dec, Aavas Financiers Ltd. is seeing a slight rise in stock price to 1,465.00, but it has recently hit a 52-week low and shows significant underperformance over various time frames. Despite today's uptick, the stock's overall trend is concerning due to high valuation and declining investor participation.

As of 21-Dec, Aavas Financiers Ltd. is experiencing a slight rise in its stock price, currently at 1,465.00, reflecting an increase of 10.4 points or 0.71%. This uptick comes after a trend reversal, as the stock has gained after four consecutive days of decline. However, it is important to note that the stock has recently hit a new 52-week low of Rs. 1435.1 earlier in the day, indicating ongoing volatility.<BR><BR>Despite the current rise, Aavas Financiers has shown significant underperformance over various time frames. Over the past week, the stock has decreased by 6.56%, and it has fallen by 10.74% over the past month. Year-to-date, the stock is down 12.61%, contrasting sharply with the Sensex, which has gained 8.69% during the same period. Additionally, the stock has consistently underperformed against the benchmark over the last three years, with a total decline of 25.73% compared to a 37.41% increase in the Sensex.<BR><BR>Investor participation appears to be declining, as evidenced by a 22.2% drop in delivery volume compared to the five-day average. Furthermore, Aavas Financiers is trading below its moving averages across various time frames, which typically signals bearish sentiment among investors. The stock's valuation is also considered expensive, with a Price to Book Value of 3.1, and a significant portion of promoter shares, 54.05%, are pledged, which can exert additional downward pressure in a falling market.<BR><BR>In summary, while Aavas Financiers is experiencing a minor rise in stock price today, the overall trend remains concerning due to its recent performance, high valuation, and declining investor participation.

Why is Aavas Financiers falling/rising?

As of 22-Dec, Aavas Financiers Ltd. has a slight stock price increase to 1,460.00 but has significantly underperformed with a year-to-date decline of 12.91%. The stock is near its 52-week low and shows bearish trends, compounded by decreased investor participation and high pledged promoter shares, leading to a cautious outlook despite strong long-term fundamentals.

As of 22-Dec, Aavas Financiers Ltd. is experiencing a slight rise in its stock price, currently at 1,460.00, with a change of 0.45 (0.03%) upwards. Despite this minor increase, the stock has shown significant underperformance over various periods, including a decline of 12.91% year-to-date and 12.29% over the past year, compared to a positive return of 9.51% for the benchmark index, Sensex.<BR><BR>The stock is currently trading close to its 52-week low, just 1.71% away from Rs 1435.1, indicating a lack of upward momentum. Additionally, Aavas Financiers has been trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically suggests a bearish trend.<BR><BR>Investor participation has also decreased, with delivery volume falling by 34.67% against the 5-day average, reflecting a decline in trading interest. Furthermore, a significant concern is the high percentage of pledged promoter shares, which stands at 54.05%. This situation can exert additional downward pressure on the stock, especially in a falling market.<BR><BR>While the company has demonstrated strong long-term fundamentals, such as a healthy growth rate in net sales and operating profit, the stock's expensive valuation, indicated by a Price to Book Value of 3.1, and its consistent underperformance against benchmarks over the last three years contribute to a cautious outlook. Thus, despite the recent minor gain, the overall context suggests that Aavas Financiers is facing challenges that may hinder sustained upward movement in its stock price.

Why is Aavas Financiers Ltd. falling/rising?

As of 23-Dec, Aavas Financiers Ltd. is seeing a stock price increase to Rs 1,482.00, up 1.63% today, but has a year-to-date decline of 11.60% and a three-year drop of 20.88%. Despite strong long-term fundamentals, the stock faces challenges such as high promoter share pledging and reduced investor interest.

As of 23-Dec, Aavas Financiers Ltd. is experiencing a rise in its stock price, currently at Rs 1,482.00, which reflects an increase of Rs 23.7 or 1.63%. This upward movement is notable as the stock has outperformed its sector by 1.48% today and reached an intraday high of Rs 1,491, marking a 2.24% increase. <BR><BR>Despite this positive performance today, the stock has been under pressure over longer periods, with a year-to-date decline of 11.60% and a significant drop of 20.88% over the past three years, indicating consistent underperformance against the benchmark. Additionally, the stock is trading lower than its moving averages across various time frames, which typically signals a bearish trend.<BR><BR>Investor participation has also decreased, as evidenced by a 40.11% drop in delivery volume compared to the five-day average, suggesting reduced interest among investors. Furthermore, a concerning factor is that 54.05% of promoter shares are pledged, which can exert downward pressure on the stock price in a falling market.<BR><BR>On the positive side, Aavas Financiers has demonstrated strong long-term fundamentals, with an average Return on Equity (ROE) of 12.54% and healthy growth in net sales and operating profit. However, the stock's valuation appears expensive relative to its peers, with a Price to Book Value of 3.1, and it has generated negative returns over the past year despite an increase in profits.<BR><BR>In summary, while Aavas Financiers Ltd. is currently rising in price, it faces significant challenges that have led to its overall decline in value over longer periods.

Why is Aavas Financiers Ltd. falling/rising?

As of 24-Dec, Aavas Financiers Ltd. is seeing a stock price increase to 1,509.95, attributed to recent trading gains and sector outperformance. However, this rise contrasts with a month-long decline of 9.56% and concerns over high valuation and pledged promoter shares.

As of 24-Dec, Aavas Financiers Ltd. is experiencing a rise in its stock price, currently at 1,509.95, with a change of 26.6 (1.79%) upwards. This increase can be attributed to several factors. Notably, the stock has been gaining for the last two days, achieving a total return of 3.54% during this period. Additionally, it outperformed its sector by 0.71% today and reached an intraday high of Rs 1,516.35, reflecting positive trading momentum.<BR><BR>Despite the recent gains, it is important to consider the broader context of the stock's performance. Over the past month, Aavas Financiers has seen a decline of 9.56%, and year-to-date, it is down 9.93%. The stock is also close to its 52-week low, being only 4.96% away from Rs 1,435.1. Furthermore, there has been a decrease in investor participation, with delivery volume falling by 6.05% compared to the five-day average.<BR><BR>While the company shows strong long-term fundamentals, such as an average Return on Equity (ROE) of 12.54% and healthy growth in net sales and operating profit, it faces challenges. The stock is considered expensive with a Price to Book Value of 3.2, and over the past year, it has underperformed against the benchmark, generating a return of -9.40%. Additionally, a significant portion of promoter shares, 54.05%, is pledged, which can exert downward pressure on the stock in a falling market.<BR><BR>In summary, the recent rise in Aavas Financiers Ltd.'s stock price is driven by short-term trading gains and sector outperformance, but it is juxtaposed against a backdrop of longer-term underperformance and investor caution.

Why is Aavas Financiers Ltd. falling/rising?

As of 25-Dec, Aavas Financiers Ltd. is seeing a short-term rise in stock price, currently at 1,509.95, but faces significant long-term challenges with a month decline of 9.56% and a year-to-date drop of 9.93%. Concerns about valuation and a high percentage of pledged promoter shares further complicate its financial outlook.

As of 25-Dec, Aavas Financiers Ltd. is experiencing a rise in its stock price, currently at 1,509.95, with an increase of 26.6 (1.79%). This upward movement is supported by a recent performance trend where the stock has gained for the last two days, resulting in a total return of 3.54% during this period. Additionally, the stock outperformed its sector by 0.71% today and reached an intraday high of Rs 1,516.35, reflecting positive trading activity.<BR><BR>Despite these short-term gains, it is important to note that the stock has faced significant challenges over longer periods. For instance, over the past month, Aavas Financiers has declined by 9.56%, and year-to-date, it is down by 9.93%. The stock has also consistently underperformed against the benchmark, with a 3-year return of -19.38% compared to a 42.72% gain in the Sensex.<BR><BR>Moreover, there are concerns regarding the company's valuation and financial health. The stock is considered expensive with a Price to Book Value of 3.2, and while profits have increased by 13.1% over the past year, the stock's return has been negative at -9.40%. Additionally, a significant portion of promoter shares, 54.05%, is pledged, which can exert downward pressure on the stock in a declining market.<BR><BR>In summary, while Aavas Financiers Ltd. is currently rising in price due to recent trading activity and short-term gains, it faces substantial long-term challenges that could impact its performance moving forward.