Aavas Financiers Ltd
NSE:AAVAS
Aavas Financiers Ltd
EPS (Diluted)
Aavas Financiers Ltd
EPS (Diluted) Peer Comparison
Competitors Analysis
Latest Figures & CAGR of Competitors
| Company | EPS (Diluted) | CAGR 3Y | CAGR 5Y | CAGR 10Y | ||
|---|---|---|---|---|---|---|
|
|
Aavas Financiers Ltd
NSE:AAVAS
|
EPS (Diluted)
₹71
|
CAGR 3-Years
17%
|
CAGR 5-Years
18%
|
CAGR 10-Years
N/A
|
|
|
LIC Housing Finance Ltd
NSE:LICHSGFIN
|
EPS (Diluted)
₹93
|
CAGR 3-Years
44%
|
CAGR 5-Years
12%
|
CAGR 10-Years
N/A
|
|
|
PNB Housing Finance Ltd
NSE:PNBHOUSING
|
EPS (Diluted)
₹74
|
CAGR 3-Years
22%
|
CAGR 5-Years
14%
|
CAGR 10-Years
7%
|
|
|
Home First Finance Company India Ltd
NSE:HOMEFIRST
|
EPS (Diluted)
₹33
|
CAGR 3-Years
40%
|
CAGR 5-Years
44%
|
CAGR 10-Years
N/A
|
|
|
Indiabulls Housing Finance Ltd
NSE:IBULHSGFIN
|
EPS (Diluted)
₹23
|
CAGR 3-Years
-5%
|
CAGR 5-Years
-24%
|
CAGR 10-Years
-7%
|
|
|
IIFL Finance Ltd
NSE:IIFL
|
EPS (Diluted)
₹12
|
CAGR 3-Years
-24%
|
CAGR 5-Years
-10%
|
CAGR 10-Years
0%
|
|
Aavas Financiers Ltd
Glance View
In the bustling financial markets of India, Aavas Financiers Ltd. stands as a significant player catering to the housing finance sector. This Jaipur-based company emerged in the mid-2000s with a vision to make home ownership accessible to the underserved segments of the society—primarily the lower and middle-income groups. Aavas focuses on providing housing loans specifically in the semi-urban and rural areas across India, which are often neglected by larger financial institutions. By strategically targeting customers who have informal income but lack formal credit records, Aavas utilizes a robust risk assessment methodology tailored to these unique borrower profiles. Comprehensive field visits, personalized loan structuring, and customer education form the backbone of their lending process, allowing them to build and maintain a strong portfolio in these niche markets. Aavas Financiers generates revenue through the interest rates levied on the housing loans they extend, which are often structured to be longer-term to favor affordability. While their primary cash flow stems from these interest income streams, the company also earns through processing fees and other incidental charges related to the loan disbursement process. Crucially, Aavas's superior asset quality management and prudent risk mitigation strategies have consistently delivered high repayment rates. The meticulous focus on credit risk appraisal ensures a well-balanced loan book, making Aavas a profitable venture despite operating in high-risk markets. Their business model is thus characterized by driving volume through targeted and personalized lending solutions while tightly managing the inherent risks associated with the low-income borrower segment.
See Also
What is Aavas Financiers Ltd's EPS (Diluted)?
EPS (Diluted)
72
INR
Based on the financial report for Mar 31, 2025, Aavas Financiers Ltd's EPS (Diluted) amounts to 72 INR.
What is Aavas Financiers Ltd's EPS (Diluted) growth rate?
EPS (Diluted) CAGR 5Y
18%
Over the last year, the EPS (Diluted) growth was 16%. The average annual EPS (Diluted) growth rates for Aavas Financiers Ltd have been 17% over the past three years , 18% over the past five years .
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