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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for AAVAS Financiers's Debt-to-EBITDA or its related term are showing as below:
NSE:AAVAS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 13.65 Med: 17.87 Max: 45.18
Current: 23.84
During the past 13 years, the highest Debt-to-EBITDA Ratio of AAVAS Financiers was 45.18. The lowest was 13.65. And the median was 17.87.
NSE:AAVAS's Debt-to-EBITDA is ranked worse than 78.79% of 33
companies
in the Banks industry
Industry Median: 9.18
vs NSE:AAVAS: 23.84
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
AAVAS Financiers Debt-to-EBITDA Related Terms
AAVAS Financiers Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for AAVAS Financiers's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:AAVAS vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, AAVAS Financiers's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AAVAS Financiers Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
AAVAS Financiers (NSE:AAVAS) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on AAVAS Financiers. Over the past decade, AAVAS Financiers' Debt-to-EBITDA has ranged from 13.65 to 45.18. According to the industry distribution chart, AAVAS Financiers ranks #26 out of 33 companies in the Banks industry, placing it in the top 78.8%.
Is AAVAS Financiers' Debt-to-EBITDA too high?
AAVAS Financiers' current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 13.65 to a high of 45.18. Based on the distribution chart, AAVAS Financiers ranks #26 out of 33 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, AAVAS Financiers has a GF Score™ of 86/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AAVAS Financiers' Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #26 out of 33 companies for Debt-to-EBITDA. This places AAVAS Financiers in the lower half of its industry. The industry median Debt-to-EBITDA is 9.18. Historically, AAVAS Financiers' own Debt-to-EBITDA has ranged from 13.65 to 45.18 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Banks company?
The median Debt-to-EBITDA among Banks companies is 9.18, based on 33 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on AAVAS Financiers. For the Banks industry, the median Debt-to-EBITDA is 9.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AAVAS Financiers stock overvalued right now?
Based on GuruFocus' analysis, AAVAS Financiers (NSE:AAVAS) is currently considered Possible Value Trap. The stock's GF Value™ is ₹2,265.61, compared to a current price of ₹1,404.00 — trading 38% below its estimated fair value. The current Debt-to-EBITDA is 0.00. AAVAS Financiers' overall GF Score™ is 86/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current Debt-to-EBITDA is 0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AAVAS Financiers (NSE:AAVAS) Overvalued in 2026?
Based on GuruFocus' analysis, AAVAS Financiers stock appears to be undervalued.
The current stock price of ₹1,404.00 is trading 38% below its estimated GF Value™ of ₹2,265.61.
GuruFocus considers AAVAS Financiers to be Possible Value Trap.
Key valuation signals for NSE:AAVAS:
Debt-to-EBITDA: 0.00
GF Value™: ₹2,265.61 vs. price of ₹1,404.00 (38% below fair value)
No single metric tells the full story. See the NSE:AAVAS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AAVAS Financiers Ltd is a housing finance company. The company provides housing loans to customers belonging to the low and middle-income and self-employed segments in suburban and rural India. Its only operating segment is Lending to borrowers. The company's product portfolio includes home loans, land purchases and construction, home improvement loans, home equity, micro, small, and medium enterprise loan, and others. It offers customers loans for the purchase or construction of residential properties and the extension and repair of existing housing units.
86GF Score
Get the complete analysis for NSE:AAVAS
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