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Aavas Financiers Limited Q4 FY26 earnings call summary

NSE: AAVAS · BSE: 541988

Earnings call of 5 May 2026, summarised by AI from the filing.

Aavas Financiers Q4 FY26 net profit ₹1.82 billion, up 18% Y-o-Y; aspires to 20%-plus AUM growth long-term.

Key takeaways

  1. Q4 profit Net profit ₹1.82 billion, up 18% Y-o-Y, led by 17% Y-o-Y growth in NII.
  2. Change New CEO Manu Singh took charge; CVC Capital Partners became promoter in FY26.
  3. Driver Branch expansion in Tamil Nadu, UP, Gujarat and risk-adjusted pricing to drive growth.
  4. Risk Middle East war and inflation could affect customer profiles, though no impact seen yet.

Original filing on BSE

Aavas Financiers Limited Q1 FY27 results

As filed: Revenue ₹709 cr (+13% year on year), EBITDA ₹523 cr (+14% year on year), PAT ₹171 cr (+23% year on year), EBITDA margin 73.9% (+76 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹715 cr (+12% year on year), EBITDA ₹516 cr (+11% year on year), PAT ₹182 cr (+18% year on year), EBITDA margin 72.2% (−122 bps). Score 46 of 100, In line with trend. Revenue growth was below the company's own trend; EBITDA growth was well below it; profit growth was above it. EBITDA margin fell 122 bps year on year. Revenue rose ₹78.7 cr on a year ago, against ₹90.0 cr the year before. Share price after the results: −10.1% in 30 days (Nifty 500: −1.4%).
  • Q3 FY26: Revenue ₹674 cr (+13% year on year), EBITDA ₹504 cr (+11% year on year), PAT ₹170 cr (+16% year on year), EBITDA margin 74.8% (−139 bps). Score 42 of 100, In line with trend. Revenue growth was below the company's own trend; EBITDA growth was well below it; profit growth was above it. EBITDA margin fell 139 bps year on year. Revenue rose ₹77.2 cr on a year ago, against ₹89.0 cr the year before. Share price after the results: −11.0% in 29 days (Nifty 500: −4.0%).
  • Q2 FY26: Revenue ₹667 cr (+15% year on year), EBITDA ₹498 cr (+11% year on year), PAT ₹164 cr (+11% year on year), EBITDA margin 74.7% (−254 bps). Score 38 of 100, Below trend. Revenue and profit growth were below the company's own trend; EBITDA growth was well below it. EBITDA margin fell 254 bps year on year. Revenue rose ₹88.0 cr on a year ago, more than the ₹82.0 cr it added the year before. Share price after the results: −3.8% in 30 days (Nifty 500: −0.6%).
  • Q1 FY26: Revenue ₹628 cr (+16% year on year), EBITDA ₹459 cr (+13% year on year), PAT ₹139 cr (+10% year on year), EBITDA margin 73.1% (−163 bps). Score 42 of 100, In line with trend. Revenue and profit growth were below the company's own trend; EBITDA growth was well below it. EBITDA margin fell 163 bps year on year. Profit fell 10% from last quarter. Revenue rose ₹86.0 cr on a year ago, more than the ₹75.0 cr it added the year before. Share price after the results: −6.2% in 30 days (Nifty 500: +2.4%).
  • Q4 FY25: Revenue ₹636 cr (+16% year on year), EBITDA ₹467 cr (+15% year on year), PAT ₹154 cr (+8% year on year), EBITDA margin 73.4% (−111 bps). Score 36 of 100, Below trend. Revenue growth was below the company's own trend; EBITDA and profit growth were well below it. EBITDA margin fell 111 bps year on year. Revenue rose ₹90.0 cr on a year ago, against ₹96.0 cr the year before. Share price after the results: −14.9% in 29 days (Nifty 500: +2.7%).
  • Q3 FY25: Revenue ₹597 cr (+18% year on year), EBITDA ₹455 cr (+21% year on year), PAT ₹146 cr (+25% year on year), EBITDA margin 76.2% (+240 bps). Score 58 of 100, In line with trend. Revenue and EBITDA growth were below the company's own trend; profit growth was well above it. EBITDA margin rose 240 bps year on year. Revenue rose ₹89.0 cr on a year ago, against ₹97.0 cr the year before.
  • Q2 FY25: Revenue ₹579 cr (+17% year on year), EBITDA ₹447 cr (+21% year on year), PAT ₹148 cr (+21% year on year), EBITDA margin 77.2% (+316 bps). Score 68 of 100, Above trend. EBITDA margin rose 316 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Aavas Financiers Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.