Aavas Financiers Ltd.
AAVAS · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹1,440.86.
Piotroski F-score 4/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%13.9%
- ✕Low debt (D/E < 0.5)3.11x
- ✕Positive free cash flow
- ✓Revenue growth > 10%19%
- ✓Earnings growing18%
- ✓Net margin ≥ 10%42.1%
- ✓Current ratio > 1.51603.96
- ✓Below our fair value
- ✓Margin of safety ≥ 20%
- ✕Above 200-day average
- ✓Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 74/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (42.1%).
Weaknesses
- •High debt relative to equity.
- •Price below its 200-day moving average (downtrend).
Opportunities
- •Earnings growing (18% YoY).
- •Revenue growing (19% YoY).
- •Trading in our value buy zone versus sector peers.
- •Trades ~28% below our estimated fair value.
About Aavas Financiers Ltd.
Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India. The company offers home loans for flats, houses, and bungalows; home construction loans for self-construction of residential houses; resale property purchase loans, and home improvement loans, including loans for tiling or flooring, plaster or painting, etc. It also provides loans against property; micro, small, and medium enterprise loans; an
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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.