AAVAS Financiers (AAVAS)
Fast GrowerFairStock Score: 60/100 — STEADY
Score breakdown: P/E: 2/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1
Key Financials
| Current Price | ₹1,397.4 |
| Market Cap | ₹11,079.99 Cr |
| P/E Ratio | 16.21 |
| ROCE | 10.09% |
| ROE | 14.38% |
| Dividend Yield | 0% |
| Profit Growth | 23.01% |
| Debt/Equity | 3.11 |
| Sales Growth | 12.93% |
| Free Cash Flow | ₹-1,483.9 Cr |
| Promoter Holding | 48.95% |
| 52-Week Range | ₹1,060.4 — ₹1,771.9 |
| Sector | Finance |
| Book Value | ₹637.79 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
Let me examine AAVAS the way I'd examine any business: can I understand it, does it have durable economics, and am I paying a sensible price? With a market cap of ₹10,181 Cr, this is a mid-sized housing finance company. Housing finance in India is a business I can understand. AAVAS earns a ROE of 14.38% with a P/B of 2.56; that's not cheap, but not crazy for a lender. Sales grew 13.39% and profit 10.30% last year, so this is a steady compounder, not hyper-growth. The latest quarter showed net profit of ₹170 Cr on sales of ₹674 Cr, a healthy margin. Promoter holding of 48.95% keeps skin in the game, and a Piotroski F-Score of 7/9 suggests balance-sheet discipline.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer