Stock Research: Aavas Financiers

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Aavas Financiers

NSI:AAVAS INE216P01012
34
  • Value
    17
  • Growth
    47
  • Safety
    Safety
    50
  • Combined
    12
  • Sentiment
    89
  • 360° View
    360° View
    34
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Company Description

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.

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ANALYSIS: With an Obermatt 360° View of 34 (better than 34% compared with alternatives), overall professional sentiment and financial characteristics for the stock Aavas Financiers are below the industry average. The 360° View is based on consolidating four consolidated indicators, with all but one indicator above average for Aavas Financiers. The consolidated Growth Rank has a good rank of 51, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth, as well as stock returns. This means that growth is higher than for 51% of competitors in the same industry. The consolidated Safety Rank at 50 means that the company has a financing structure that is safer than 50% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, the consolidated Sentiment Rank has a good rank of 94, which means that professional investors are more optimistic about the stock than for 94% of alternative investment opportunities. But the consolidated Value Rank is less desirable at 24, meaning that the share price of Aavas Financiers is on the higher side compared with indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 76% of alternative stocks in the same industry. ...read more

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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 8-Jun-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
17 5 11 4
Growth
47 93 9 95
Safety
Safety
50 40 83 95
Sentiment
89 77 11 35
360° View
360° View
34 64 1 83
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Metrics Current 2025 2024 2023
Analyst Opinions
55 67 35 36
Opinions Change
50 67 28 37
Pro Holdings
n/a 79 39 39
Market Pulse
61 32 40 56
Sentiment
89 77 11 35
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Metrics Current 2025 2024 2023
Value
17 5 11 4
Growth
47 93 9 95
Safety Safety
50 40 83 95
Combined
12 42 11 91
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
24 9 11 5
Price vs. Earnings (P/E)
39 17 16 2
Price vs. Book (P/B)
30 19 22 4
Dividend Yield
1 1 1 1
Value
17 5 11 4
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Metrics Current 2025 2024 2023
Revenue Growth
76 84 80 94
Profit Growth
23 73 42 55
Capital Growth
92 94 1 74
Stock Returns
16 63 3 87
Growth
47 93 9 95
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Metrics Current 2025 2024 2023
Leverage
3 60 80 86
Refinancing
4 4 4 30
Liquidity
34 71 98 98
Safety Safety
50 40 83 95

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Frequently Asked
Questions

This stock offers a high growth opportunity with safe financing and positive sentiment. It is typically expensive (low Value Rank), as investors pay a premium for high performance. It is for growth-focused investors comfortable paying a premium for a stock with strong future momentum.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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