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About the company
Aavas Financiers Limited is an India-based retail, affordable housing finance company, primarily serving low- and middle-income self-employed customers in semi-urban and rural areas. The Company’s loan products include Home Loan, Home Construction Loan, Home Loan Balance Transfer, Home Improvement Loan, Loan Against Property, MSME Business Loan, Small Ticket Size Loan, and Aavas Rooftop Solar Finance. The Company offers home construction loans for the purpose of self-construction of residential house property. Aavas Rooftop Solar Loan offers financing for the installation of rooftop solar systems. It provides housing loans, primarily, to the un-served and un-reached markets, which include the States of Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Uttarakhand, Punjab, Himachal Pradesh, Delhi, Odisha, Karnataka and Tamil Nadu. The Company operates in approximately 14 states with a total of 397 branches.
- Revenue in INR (TTM)23.55bn
- Net income in INR6.27bn
- Incorporated2011
- Employees7.23k
- LocationAavas Financiers Ltd201-202 Southend SquareMansarover Industrial AreaJAIPUR 302020IndiaIND
- Phone+91 1 416618888
- Fax+91 1 416618861
- Websitehttps://www.aavas.in/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PTC India Financial Services Ltd | 5.46bn | 3.32bn | 20.63bn | 43.00 | 6.21 | -- | 6.08 | 3.78 | 5.17 | 5.17 | 8.50 | -- | -- | -- | -- | 127,015,600.00 | -- | 1.62 | -- | 2.03 | 53.61 | 41.63 | 60.79 | 16.61 | -- | -- | -- | 0.00 | -16.75 | -14.23 | 35.02 | 14.56 | 83.28 | -- |
| Sg Finserve Ltd | 2.83bn | 1.09bn | 22.81bn | 58.00 | 24.84 | -- | 20.77 | 8.07 | 16.43 | 16.43 | 42.54 | -- | -- | -- | -- | 48,741,340.00 | -- | 4.41 | -- | 9.34 | 61.06 | 75.86 | 38.62 | 44.47 | -- | -- | -- | -- | -9.85 | 461.60 | 3.06 | -- | 246.84 | -- |
| Northern ARC Capital Ltd | 24.06bn | 3.11bn | 40.91bn | 1.10k | 13.21 | -- | 12.46 | 1.70 | 19.16 | 19.16 | 148.38 | -- | -- | -- | -- | 21,792,030.00 | -- | 2.56 | -- | 2.77 | 87.76 | 89.85 | 12.86 | 15.95 | -- | 2.27 | -- | -- | 24.84 | 31.10 | -1.23 | 27.72 | 10.85 | -- |
| CARE Ratings Ltd | 4.52bn | 1.61bn | 48.60bn | 598.00 | 30.26 | -- | 27.42 | 10.75 | 53.45 | 53.45 | 150.13 | -- | -- | -- | -- | 7,559,385.00 | -- | 13.05 | -- | 14.37 | -- | 99.65 | 36.19 | 32.86 | -- | 69.29 | -- | 32.44 | 21.29 | 10.55 | 36.52 | 10.75 | 26.34 | -1.59 |
| ICRA Ltd | 5.61bn | 1.85bn | 55.37bn | 411.00 | 30.01 | -- | 26.55 | 9.87 | 191.74 | 191.74 | 581.93 | -- | -- | -- | -- | 13,646,510.00 | -- | 12.55 | -- | 14.42 | -- | -- | 33.13 | 32.96 | -- | 38.44 | -- | 51.20 | 11.64 | 9.18 | 12.52 | 12.07 | 25.04 | 17.32 |
| Karnataka Bank Ltd | 89.19bn | 11.55bn | 77.57bn | 8.75k | 6.72 | -- | -- | 1.73 | 30.51 | 30.51 | 118.37 | -- | -- | -- | -- | -- | -- | 0.9605 | -- | -- | -- | -- | 25.77 | 23.27 | -- | -- | -- | 15.45 | 8.62 | 6.84 | -2.58 | 24.14 | 23.11 | -- |
| Aavas Financiers Ltd | 23.55bn | 6.27bn | 102.65bn | 7.23k | 16.52 | -- | 15.37 | 4.36 | 78.47 | 78.47 | 294.75 | -- | -- | -- | -- | 3,256,293.00 | -- | 3.39 | -- | 3.87 | 99.57 | 99.54 | 26.62 | 27.99 | -- | 2.00 | -- | 0.00 | 16.79 | 21.05 | 17.00 | 18.18 | 8.99 | -- |
| Tamilnad Mercantile Bank Ltd | 56.11bn | 12.56bn | 103.71bn | 4.72k | 8.26 | 1.06 | -- | 3.21 | 79.30 | 79.30 | 203.74 | 617.22 | -- | -- | -- | -- | -- | 1.72 | -- | -- | -- | -- | 38.92 | 34.91 | -- | -- | -- | 10.42 | 9.15 | 8.83 | 10.31 | 23.74 | 38.87 | -- |
| Indian Energy Exchange Ltd | 5.84bn | 4.80bn | 111.14bn | 179.00 | 23.12 | -- | 22.11 | 19.04 | 5.41 | 5.41 | 6.57 | -- | -- | -- | -- | 32,602,930.00 | -- | 21.80 | -- | 40.08 | -- | -- | 82.29 | 74.90 | -- | -- | -- | 46.49 | 19.62 | 15.88 | 22.35 | 19.55 | 0.2014 | 29.20 |
| Ujjivan Small Finance Bank Ltd | 66.26bn | 4.94bn | 119.85bn | 24.37k | 24.52 | -- | -- | 2.54 | 2.52 | 2.52 | 24.07 | -- | -- | -- | -- | -- | -- | 1.79 | -- | -- | -- | -- | 10.48 | 16.80 | -- | -- | -- | -- | 11.93 | 18.64 | -43.34 | 16.62 | 13.31 | -- |
| Aptus Value Housing Finance India Ltd | 21.02bn | 8.89bn | 123.03bn | 3.35k | 13.86 | -- | 13.64 | 5.85 | 17.73 | 17.73 | 41.92 | -- | -- | -- | -- | 6,272,567.00 | -- | 7.39 | -- | 9.49 | -- | -- | 42.30 | 44.20 | -- | 2.82 | -- | -- | 28.22 | 28.46 | 22.77 | 28.91 | 22.61 | -- |
| International Gemmological Ins India Ltd | 12.29bn | 5.32bn | 141.14bn | 890.00 | 27.56 | 10.01 | 24.57 | 11.48 | 11.85 | 11.85 | 27.40 | 32.62 | 0.7543 | -0.3856 | 5.93 | -- | 32.62 | 39.84 | 38.72 | 75.29 | 100.14 | 99.78 | 43.25 | 42.20 | 5.15 | 71.14 | 0.0919 | -- | 16.71 | 56.67 | 24.41 | 66.81 | 48.66 | -- |
Data as of Feb 17 2026. Currency figures normalised to Aavas Financiers Ltd's reporting currency: Indian Rupee INR
24.50%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| First Sentier Investors (UK) IM Ltd.as of 31 Jan 2026 | 3.91m | 4.94% |
| HDFC Asset Management Co. Ltd. (Invt Mgmt)as of 31 Jan 2026 | 2.59m | 3.27% |
| UTI Asset Management Co. Ltd. (Investment Management)as of 31 Jan 2026 | 2.05m | 2.59% |
| Norges Bank Investment Managementas of 31 Dec 2024 | 2.00m | 2.52% |
| Capital Research & Management Co. (World Investors)as of 31 Dec 2025 | 1.96m | 2.48% |
| Abu Dhabi Investment Authority (Investment Management)as of 31 Dec 2024 | 1.68m | 2.12% |
| The Vanguard Group, Inc.as of 04 Feb 2026 | 1.63m | 2.06% |
| Nippon Life India Asset Management Ltd. (Invt Mgmt)as of 31 Dec 2025 | 1.57m | 1.99% |
| First Sentier Investors (Australia) IM Ltd.as of 30 Sep 2025 | 1.01m | 1.28% |
| Ishana Capital Ltd.as of 31 Dec 2024 | 987.30k | 1.25% |
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Data from 31 Dec 2024 - 10 Feb 2026Source: FactSet Research Systems Inc.
