Aavas Financiers Limited
Financial trend (69/100) does the heavy lifting; momentum (23/100) is the drag.
Buy zoneOur blended model reads Aavas Financiers Limited as a Hold at 58/100. On 18.0x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 22% below its 52-week high of ₹1,736.4 and 27% above the low of ₹1,073.9. Financial health scores 79/100, with a Piotroski F-score of 4/9. The average analyst target of ₹1,668 implies about 23% upside across 19 analysts. It clears 5 of 12 investability checks, with durability 65, valuation 69 and momentum 23 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹1,170.54.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-21.69% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold58Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 13.9%
- Fail: Low debt (D/E < 0.5): 3.11x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 19%
- Pass: Earnings growing: 18%
- Pass: Net margin ≥ 10%: 42.1%
- Pass: Current ratio > 1.5: 1603.96
- Pass: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter49.7%
- Institutions35.0%
- Public & other15.3%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (42.1%).
Opportunities
- Earnings growing (18% YoY).
- Revenue growing (19% YoY).
- Trading in our value buy zone versus sector peers.
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
About Aavas Financiers Limited
Aavas Financiers Limited provides housing finance to low- and middle-income customers in semi-urban and rural areas of India. Its loan products include mortgages for residential properties, construction financing for self-built homes, resale property purchases, and home improvement loans. The company also offers loans against property and financing for micro, small, and medium enterprises.
Aavas Financiers Limited — frequently asked questions
Is Aavas Financiers Limited a buy, hold or sell?
StocksWizard currently rates Aavas Financiers Limited (AAVAS) a Hold, based on a blended score of 58/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Aavas Financiers Limited's fair value?
Our blended DCF and relative-valuation model estimates Aavas Financiers Limited's fair value at about ₹1,463.17, versus a current price of ₹1,359.8 — roughly 8% upside. On that basis the stock looks fairly valued.
Is Aavas Financiers Limited financially healthy?
Aavas Financiers Limited scores 79/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has Aavas Financiers Limited's share price performed?
Aavas Financiers Limited is down 6% over three months, and last traded at ₹1,359.8. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.