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AAVAS FinanciersNSE:AAVAS +0.48%79 Earnings Yield (Joel Greenblatt) % is 5.08% as of Jun. 2026, which is 116% above its 10-year median of 2.35. GuruFocus rates NSE:AAVAS with a GF Score™ of 79/100 and a GF Value™ of ₹2,122.21 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 1,296 Banks companies, AAVAS Financiers ranks better than 98.23% on this metric.
AAVAS Financiers's Enterprise Value for the quarter that ended in Jun. 2026 was ₹120,584 Mil.
AAVAS Financiers's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was ₹6,133 Mil. AAVAS Financiers's Earnings Yield (Joel Greenblatt) for the quarter that ended in Jun. 2026 was 5.08%.
The historical rank and industry rank for AAVAS Financiers's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
NSE:AAVAS'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: 1.1 Med: 2.35 Max: 6.41
Current: 2.59
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of AAVAS Financiers was 6.41%. The lowest was 1.10%. And the median was 2.35%.
NSE:AAVAS's Earnings Yield (Joel Greenblatt) % is ranked better than 98.23% of 1296
companies
in the Banks industry
Industry Median: 0
vs NSE:AAVAS: 2.59
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. AAVAS Financiers's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
AAVAS Financiers Earnings Yield (Joel Greenblatt) % Related Terms
AAVAS Financiers Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for AAVAS Financiers's Earnings Yield (Joel Greenblatt) % 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.
For the Mortgage Finance subindustry, AAVAS Financiers's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
AAVAS Financierss Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Mar. 2026 is calculated as
AAVAS Financiers's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹6,133 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 5.08% mean?
AAVAS Financiers (NSE:AAVAS) has a Earnings Yield (Joel Greenblatt) % of 5.08% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on AAVAS Financiers and its competitors. This is 116% above median its historical median of 2.35. Over the past decade, AAVAS Financiers' Earnings Yield (Joel Greenblatt) % has ranged from 1.10 to 6.41. According to the industry distribution chart, AAVAS Financiers ranks #23 out of 1296 companies in the Banks industry, placing it in the top 1.8%.
Is AAVAS Financiers' Earnings Yield (Joel Greenblatt) % too high?
AAVAS Financiers' current Earnings Yield (Joel Greenblatt) % of 5.08% is 116% above median its 10-year median of 2.35. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 6.41. Based on the distribution chart, AAVAS Financiers ranks #23 out of 1296 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, AAVAS Financiers has a GF Score™ of 79/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AAVAS Financiers' Earnings Yield (Joel Greenblatt) % compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #23 out of 1296 companies for Earnings Yield (Joel Greenblatt) %. This places AAVAS Financiers in the top 2% of its industry — outperforming the majority of peers. Historically, AAVAS Financiers' own Earnings Yield (Joel Greenblatt) % has ranged from 1.10 to 6.41 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 Earnings Yield (Joel Greenblatt) % for a Banks company?
A good Earnings Yield (Joel Greenblatt) % depends on the Banks industry context. However, Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on AAVAS Financiers and its competitors. AAVAS Financiers's current Earnings Yield (Joel Greenblatt) % is 5.08%, which is 116% above median its own 10-year median of 2.35. 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 ₹2,122.21, compared to a current price of ₹1,275.50 — trading 39.9% below its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 5.08%, which is 116% above median its 10-year median of 2.35. AAVAS Financiers' overall GF Score™ is 79/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current Earnings Yield (Joel Greenblatt) % is 5.08% 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 ₹1,275.50 is trading 39.9% below its estimated GF Value™ of ₹2,122.21.
GuruFocus considers AAVAS Financiers to be Possible Value Trap.
Key valuation signals for NSE:AAVAS:
Earnings Yield (Joel Greenblatt) %: 5.08% (116% above median its 10-year median of 2.35)
GF Value™: ₹2,122.21 vs. price of ₹1,275.50 (39.9% 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.
79GF Score
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