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Aavas Financiers Limited Q1 FY27 earnings call summary

NSE: AAVAS · BSE: 541988

Earnings call of 21 Jul 2026, summarised by AI from the filing.

Aavas Financiers Q1FY27 disbursements up 41% Y-o-Y to ₹16.1 billion; guides 22-23% disbursement growth and 17-18% AUM growth for the year.

Key takeaways

  1. Guidance 22-23% disbursement growth and 17-18% AUM growth for the current year.
  2. Spread Spread moderated to 5.06% in Q1FY27; management expects it to fall below 5% for the full year.
  3. Home loans 38% Y-o-Y growth in home loan segment; focus on regaining market share.
  4. Competition Healthy competition across geographies puts pressure on spreads.

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.