AAVAS Financiers share price today

AAVAS Financiers Ltd's share price was ₹1,125.30 at the close on 4 November 2026. It has been falling for 61 weeks. That is 17.2% below its average price over the last 200 trading days. In the last 52 weeks it traded between ₹1,063 and ₹1,712, and at that close it sat 10% of the way up from that low.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today AAVAS Financiers Ltd is in stage 4. The phase helps read everything below.

Over the past 13 weeks it has done worse than the NIFTY 500, and it has been behind for 13 weeks running.

Over the last 8.1 years the share price moved +44% while the NIFTY 500 moved +150%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 14 August 2026. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: revenue up on a year earlier for 19 quarters in a row (every quarter we can compare), profit up on a year earlier for 19 quarters in a row (every quarter we can compare) and foreign funds (FIIs) cut their stake for 5 quarters in a row.

1. Revenue up on a year earlier for 19 quarters in a row (every quarter we can compare)

   In the September 2026 quarter revenue was ₹736 crore, +10.3% on a year earlier.

   Why: Revenue rose because the company lent more to customers and its loan book grew.

   Next results: check whether the loan book crosses Rs 250 billion in October 2026 as management expects.

   From the earnings call on 26 Oct 2026.

2. Profit up on a year earlier for 19 quarters in a row (every quarter we can compare)

   In the September 2026 quarter profit was ₹182 crore, +11% on a year earlier.

   Why: Profit rose because the company earned more net interest income, which is loan interest minus borrowing cost.

   Next results: check whether the gap between loan interest and borrowing cost stays above 5%, as management expects.

   From the earnings call on 26 Oct 2026.

3. Foreign funds (FIIs) cut their stake for 5 quarters in a row

   From 29.8% to 15.2% of the company by the September 2026 quarter.

For July to September 2026 (the quarter ended 30 September 2026), AAVAS Financiers reported total income of ₹736 crore, up 10.3% from ₹667 crore a year earlier, and a profit of ₹182 crore, up 11.0% from ₹164 crore.

AAVAS Financiers results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

AAVAS Financiers' management discussed these results on a call held on 26 October 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

AAVAS Financiers closed at ₹1,125.30 on 4 November 2026, down 28.5% from ₹1,574.10 a year earlier (7 November 2025) and down 59.7% over five years. Its highest weekly close since October 2018 was ₹3,068.50 on 18 February 2022.

AAVAS Financiers share price: then and now

Weekly closing prices. Each change is the move from that price to the 4 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

426 weekly closes from 12 October 2018 to 4 November 2026.

4 Nov 2026: AAVAS Financiers closed at ₹1,125.30, up 5.9% on the week and down 5.5% on the month. 26 Oct 2026: AAVAS Financiers held its results call for July to September 2026. Management guided: AUM on track to cross ₹250 billion in October 2026; long-term goal ₹500 billion and growth above 20%; FY27 disbursements upwards of 20%, with volume yearly growth around 20% from branches (8%), productivity (10%) and average ticket size (5%-7%)

Earlier

• Results for July to September 2026: Total income up 10.3% and profit up 11.0% on a year earlier.

AAVAS Financiers has paid no dividend on the NSE since 1 April 2021, the start of the period we checked.

No. AAVAS Financiers Ltd paid out 0% of its profit as dividends in each of its last 12 reported years, so there is no payout history to show. That comes from the filed annual statements, not an estimate.

From the NSE corporate-actions record, read 5 November 2026.

On the call for July to September 2026, held on 26 October 2026, AAVAS Financiers' management guided: AUM on track to cross ₹250 billion in October 2026; long-term goal ₹500 billion and growth above 20%; FY27 disbursements upwards of 20%, with volume yearly growth around 20% from branches (8%), productivity (10%) and average ticket size (5%-7%)

“Hence, our commitment to growing disbursements by upwards of 20% stands.”Manu Yeshpal Singh, MD & CEO, on the call for July to September 2026

What management guided

• RO productivity to about 1.5 cases monthly by fiscal year-end, scaling progressively to 2.
• Opex/assets below 3% progressively; cost-to-income below 40% medium term.
• Spreads maintained above 5%, with NIM and spreads expected to improve over coming quarters.
• Steady-state home-loan/non-home-loan AUM mix of 65:35.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for July to September 2026, 26 October 2026.

When AAVAS Financiers reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: Check whether disbursement momentum and normalized repayments translate into stronger AUM growth.

AAVAS Financiers is on one of our India lists: 52 week high & low.

AAVAS Financiers Ltd earned ₹182 Cr of net profit in the Sep 2026 quarter, +11.0% on the same quarter a year earlier. That is the 12th quarter in a row of profit growth. Full-year FY26 profit was ₹655 Cr. Over 10 years profit has grown 34.8% a year on average. That is 24.7% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹164 Cr.

For the full year, FY26 profit was ₹655 Cr (+14.1% on the year before).

Why profit moved: revenue changed +10.3% on a year earlier and the margin moved +0.1 percentage points. Sales did the work, and the margin was about flat.

On average over the last four quarters, profit changed +17.1% and revenue +12.1%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra rupee of revenue adds more to profit.

AAVAS Financiers Ltd reported ₹736 Cr of income in the Sep 2026 quarter, +10.3% on the same quarter a year earlier. That is the 12th quarter in a row with growth on the year before. Over 10 years it has grown 30.2% a year on average. The last full year, FY26, came in at ₹2,683 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

The last four reported quarters add to ₹2,834 Cr.

FY26 revenue was ₹2,683 Cr, +13.9% on the year before.

Recent pace: the last four quarters grew +12.1% on average, against 30.2% a year over the longer run, so this year is growing slower than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +12.1%, against +14.1% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +16.9%, against +14.9% a year (stabilising).

AAVAS Financiers Ltd's net margin was 24.7% in the Sep 2026 quarter, 0.1 percentage points higher than the same quarter a year ago. Across 12 years it has been between 17.3% and 27.6%. The latest quarter is within that range.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

AAVAS Financiers Ltd's gross NPA, the share of loans that have stopped being repaid, is 1.11% in Sep 2026, down from 1.24% a year ago. After the money already set aside for bad loans, 0.70% is left (net NPA). Across the 12 quarters on file it has been between 0.94% and 1.24%.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Falling bad loans mean the loan book is healing; rising ones mean new damage.

In Sep 2026, gross NPA was 1.11% and net NPA 0.70%, against 1.24% and 0.85% a year ago.

In short: a lender's profit growth is only as good as its loans, and this loan book is better than a year ago. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up.

Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown.

AAVAS Financiers Ltd's revenue was ₹2,683 Cr in FY26, +13.9% on the year before, so the loan book is growing. The latest quarter was +10.3% on a year earlier. The net margin on that income is 24.7%, +0.1 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

AAVAS Financiers Ltd's P/BV is 1.6×, about the lowest it has ever been. Its usual P/BV (the middle reading) is 4.8×, over 7.7 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Why the multiple is where it is: over the past year book value grew while the price moved −28.5%. Price and book value moved together, so the multiple stayed in its range.

Where the price move came from: over 5 years the price moved −16.6% a year; about +15.3% a year came from book-value growth and about −31.9 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple.

In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple.

AAVAS Financiers Ltd's business is growing steadily. Revenue, profit and EPS growth have stayed positive throughout, and ROE is steady at 13.1%. This is based on 12 quarters of 4 measures.

Every business is somewhere on a path of getting better or worse, and this section names where. The last 12 quarters of growth in revenue, profit and earnings per share, plus the return the business earns on its capital, are read as lines. Getting worse: the lines are falling. Turning around: a low point has just formed and the last few quarters are rising from it. Getting better: the rise from the low has lasted. Growing steadily: steady growth with healthy returns. Slowing from a peak: still high, but slowing. When the lines disagree the result is mixed; too little history means no reading. CAGR (compound annual growth rate) is the steady yearly rate that would turn the starting value into the latest one. It is the fairest way to compare growth over different periods. If the 1-year figure is much bigger than the 10-year one, recent growth is running faster than the long-run trend. A dash means there is no figure for that period, or the starting year was a loss, where a growth rate means nothing.

Why it matters: steady growth with healthy returns is how a business compounds over time.

Compound annual growth rate (%)

Compound annual growth rate over each period, %. Revenue, profit and EPS come from yearly figures; the share price row is price growth over the same periods. A dash means no figure for that period, or the starting year was a loss.

AAVAS Financiers Ltd earned a return on equity of 14% in FY26. Its lowest yearly reading on file was 11% in FY18. On its assets, every ₹100 earned about ₹3.37, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together.

Two numbers rate a bank: ROE, what it earns on shareholders’ money, and ROA, what it earns on all its assets. An ROE above about 13 to 15% is healthy; below that, net worth grows slowly.

That is above the level a bank needs to grow its net worth steadily.

Why ROE moved: profit grew 34.8% a year over 10 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low.

For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead.

For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here.

Promoters raised their stake in AAVAS Financiers Ltd by 22.4 percentage points over 8 quarters, the biggest change among its owners. Promoters now own 48.9% of the company. Foreign institutions moved −20.3 points over the same period, to 15.2%. This uses the four owner groups that companies report every quarter; nothing is guessed between filings.

Who owns the company each quarter: promoters (the founders or controlling owners), foreign institutions, domestic institutions such as mutual funds, and the public. When people close to the business steadily raise their stake, that is worth noticing; a quiet list is also an answer.

Over the last two years: Promoters: +22.4 points over 8 quarters, to 48.9%; Foreign institutions: −20.3 points over 8 quarters, to 15.2%; Domestic institutions: −3.2 points over 8 quarters, to 22.4%.

Why the owners changed: promoters drove it (+22.4 points), with the other side taken by foreign institutions (−20.3 points). They raised their stake step by step.

For AAVAS Financiers Ltd, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead.

The Z-score estimates how far a company is from balance-sheet trouble. Above about 3 is safe; below about 1.8 is the danger zone. It was built for manufacturers, so it is not used for banks and lenders.

58.7 out of 100, rank 6 of 13 in Finance - Housing, with 85% of the evidence available.

AAVAS Financiers Ltd scores 58.7 out of 100 against the 13 companies it is compared with in Finance - Housing, ranking 6. The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer.

The four parts add up to the total exactly: 19.8 + 17.4 + 13.2 + 8.3 = 58.7. This is the same number shown on the industry page; it is worked out once for the whole group and read here.

What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector.

AAVAS Financiers ranks 6 of 13 Finance - Housing companies on the 4-Factor Sector Score, with 58.7 out of 100.