Aavas Financiers Peer Comparison

NSE: AAVAS | BSE: 541988

₹1,215.10

₹-4.40 (-0.36%)

As on 06-Oct-2026IST

Market cap

₹9,631 Cr

Revenue (TTM)

₹2,765 Cr

P/E Ratio

P/B Ratio

1.9

Div. Yield

0 %

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	Aavas Financiers	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Market cap (₹ Cr)	9,631	28,767	27,564	19,868	15,652
Revenue (₹ Cr)	2,765	8,692	28,683	3,817	7,418
Net Profit (₹ Cr)	686.91	2,315.08	5,734.11	1,140.96	-7,235.56
Net Margin (%)	24.83	26.65	19.99	29.77	-96.96
RoE (%)	14.12	12.45	14.36	15.98	-9.77
Price to Earnings	14.02	12.43	4.80	17.41	--
Price-To-Book	1.87	1.46	0.64	2.55	0.88

Income Statement (₹ Cr)

	Aavas Financiers	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Operating Income	2,683.46	8,504.52	28,837.11	3,672.58	8,166.16
Other Income	3.78	397.16	12.87	34.29	924.09
Total Income	2,687.23	8,901.68	28,849.98	3,706.87	9,090.25
Interest Expense	1,096.96	5,011.16	19,770.55	1,364.39	5,618.36
PBT & Exceptional Items	840.44	2,970.61	7,100.15	1,421.83	-2,285.25
Operating Expenses	706.72	853.43	1,857.56	888.63	5,668.71
Exceptional Income/Expenses	--	--	--	-15.92	-6,499.17
Profit before Tax	840.44	2,970.61	7,103.47	1,405.91	-8,784.42
Taxes	185.56	679.37	1,499.23	310.03	-1,639.86
Profit after Tax	654.88	2,291.24	5,604.24	1,095.88	-7,144.56
Minority Interest	--	--	4.11	--	--
Share of Associate	--	--	--	--	--
Consolidated Profit	654.88	2,291.24	5,603.66	1,095.88	-7,144.56

	Aavas Financiers	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Shareholder's Funds	5,050.85	19,219.13	41,428.93	7,540.89	18,991.47
Minority Interest	--	--	4.11	--	--
Non-Current Liabilities	12,821.10	48,332.51	1,94,140.73	16,030.17	36,692.93
Current Liabilities	3,340.56	26,519.39	88,578.19	3,827.57	15,989.85
Total Liabilities	21,212.50	94,095.02	3,25,212.95	27,398.63	74,243.42

	Aavas Financiers	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Non-Current Assets	19,041.40	89,897.19	3,21,669.49	25,871.55	58,211.06
Current Assets	2,171.10	4,173.84	2,482.47	1,527.08	12,996.27
Total Assets	21,212.50	94,095.02	3,25,212.95	27,398.63	74,243.42
Contingent Liabilities	0.21	236.00	35.15	8.41	673.15

	Aavas Financiers	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Cash From Operating Activities	-1,386.42	-8,983.55	-8,503.83	-2,807.88	-7,465.88
Cash Flow from Investing Activities	-116.54	684.33	1,752.04	308.62	-1,540.13
Cash from Financing Activities	1,720.21	8,719.78	6,191.79	2,335.52	14,683.81
Net Cash Inflow / Outflow	217.25	420.56	-560.00	-163.74	5,677.80

	Aavas Financiers	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
ROCE (%)	9.97	9.41	8.59	11.31	-4.70
ROE (%)	14.12	12.74	14.41	15.83	-36.49
ROA (%)	3.29	2.59	1.76	4.33	-10.13
EBIT Margin (%)	73.80	94.63	93.60	76.74	41.90
Net Margin (%)	24.37	25.74	19.43	29.56	-78.60
Cash Profit Margin (%)	26.01	27.72	19.86	30.71	-86.41

	Aavas Financiers	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Revenue Growth (%)	13.97	10.95	2.63	18.18	-5.30
EBIT Growth (%)	11.36	13.46	1.84	18.80	36.93
Net Profit Growth (%)	14.07	18.34	2.97	20.18	-295.28
EPS Growth (%)	13.88	18.06	2.97	18.99	-181.13
Book Value Growth (%)	15.74	14.01	13.97	18.24	-18.37

	Aavas Financiers	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Price / Earnings	13.06	8.61	4.86	17.88	0.00
Price / Book Value	1.72	1.03	0.66	2.61	0.97
Dividend Yield (%)	0.00	1.06	2.02	0.00	0.00
EV/EBITDA	11.26	10.88	11.25	13.18	17.17
Market Cap (₹ Cr)	8,553.79	19,716.88	27,239.53	19,597.62	17,099.94

	Aavas Financiers	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Debt to Equity	3.13	3.71	6.69	2.50	2.93
Short term debt to equity ratio	0.58	1.20	1.99	0.47	0.73
Current Ratio	0.65	0.16	0.03	0.40	0.81
Quick Ratio	0.65	0.16	0.03	0.40	0.81
Interest Coverage	1.77	1.59	1.36	2.03	-0.56

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.