profit from every ₹100 of sales.
₹0₹100
Aavas Financiers
₹1,137.00-0.59% today
-22.0% in 1 year
1-year low ₹1,062.901-year high ₹1,549.10
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹13.77 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Aavas Financiers sold, what it kept, and what it did with the cash.
Sales went from ₹13.6 billion in 2023 to ₹23.9 billion in 2026, with ₹6.55 billion of profit last year.
SalesProfit
Aavas Financiers vs. similar companies
Aavas Financiers grows the fastest of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| Aavas Financiers | 13.8× · Cheap | ||
 Rocket Companies | No profit yet | ||
 LIC Housing Finance | 5.4× · Cheap | ||
 PNB Housing Finance | 12.7× · Cheap | ||
 UWM | 98.4× · Very expensive |
AI analysis
An AI analyst reads Aavas Financiers's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 13,555 | 16,800 | 21,252 | 23,927 | |
| 4,957 | 5,241 | 7,317 | 8,173 | |
| 3,116 | 3,159 | 5,265 | 5,821 | |
| 5,811 | 6,626 | 5,630 | 6,252 | |
| 4,296 | 4,907 | 5,741 | 6,549 | |
| 54.26 | 61.93 | 71.97 | – | |
| 36.6% | 31.2% | 34.4% | 34.2% | |
| 23.0% | 18.8% | 24.8% | 24.3% | |
| 31.7% | 29.2% | 27.0% | 27.4% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 134,096 | 165,195 | 186,185 | 212,125 |
| Cash | 1,776 | 206 | 113 | 2,286 |
| Total debt | 98,873 | 124,119 | 139,185 | 156,856 |
| Total liabilities | 101,399 | 127,461 | 142,576 | 161,617 |
| 32,697 | 37,733 | 43,608 | 50,508 | |
| 79 | 79 | 80 | – | |
| 3.1% | 2.9% | 2.2% | 2.1% | |
| 13.1% | 13.0% | 13.2% | 13.0% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -19,241 | -20,005 | -16,601 | -13,864 | |
| 390 | 327 | 301 | 328 | |
| -19,631 | -20,333 | -16,902 | -14,192 | |
| Dividends paid | – | – | – | – |
| – | – | – | – | |
| 164 | 86 | 127 | 337 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.8×
- –
- –
- 2.1×
- 3.8×
- 7.3%
- –
Profitability
- 27.4%
- 2.1%
- 2.6%
- –
- –
Growth
- +20.9%
- –
- –
- +0.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 40%of 851
Top 43%of 734
Bottom 49%of 861
Top 22%of 860
Bottom 7%of 917
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
33No pass
Benjamin Graham
56No pass
Philip Fisher
55No pass
Peter Lynch
64Pass
Joel Greenblatt
10No pass
Charlie Munger
35No pass
Terry Smith
30No pass
Questions about Aavas Financiers
Is Aavas Financiers a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Aavas Financiers AI analysis
What does Aavas Financiers do?
Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India. It is in Mortgage Finance, based in Jaipur, India.
Is Aavas Financiers stock halal?
No. Aavas Financiers does not pass our halal screen: its main business, an impermissible business, is not permitted. How we check
How has Aavas Financiers stock done over the past year?
Down 22.0% over the past twelve months, to ₹1,137.00. It traded between ₹1,062.90 and ₹1,549.10 and is 26.6% below its high.
Who are Aavas Financiers's competitors?
The largest listed companies in the same industry are Rocket Companies, LIC Housing Finance, PNB Housing Finance and UWM. The peers table on this page compares their profit, growth and price with Aavas Financiers's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.