AAVAS Financiers (NSE:AAVAS) EBIT: ₹5,821 Mil (TTM As of Mar. 2026)


NSE:AAVAS AAVAS Financiers Ltd NSE:AAVAS
83 GF Score
Price ₹1,489.90
GF Value ₹2,160.55
Valuation Possible Value Trap
! 5 Warning Signs
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What is AAVAS Financiers EBIT?

AAVAS Financiers NSE:AAVAS +0.49% 83 EBIT is ₹5,821 Mil as of Mar. 2026. GuruFocus rates NSE:AAVAS with a GF Score™ of 83/100 and a GF Value™ of ₹2,160.55 (Possible Value Trap). The stock has 5 warning signs investors should review.

AAVAS Financiers's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹1,496 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹5,821 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. AAVAS Financiers's annualized ROC % for the quarter that ended in Mar. 2026 was 2.43%. AAVAS Financiers's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 483.70%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. AAVAS Financiers's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 2.27%.


AAVAS Financiers  (NSE:AAVAS) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

AAVAS Financiers's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=5983.748 * ( 1 - 21.27% )/( (0 + 193565.884)/ 1 )
=4711.0048004/193565.884
=2.43 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=212125.009 - 126.131 - ( 18432.994 - max(0, 126.131 - 202308.856+18432.994))
=193565.884

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

AAVAS Financiers's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=5983.748/( ( (0 + max(0, 0)) + (1237.089 + max(-126.131, 0)) )/ 1 )
=5983.748/( ( 0 + 1237.089 )/ 1 )
=5983.748/1237.089
=483.70 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (126.131 + 0 + 0)
=-126.131

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

AAVAS Financiers's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=5820.798/256446.542
=2.27 %

* 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.


AAVAS Financiers EBIT Related Terms


AAVAS Financiers EBIT Historical Data

* Premium members only.

The historical data trend for AAVAS Financiers's EBIT 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.

AAVAS Financiers EBIT Chart

AAVAS Financiers Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,558.83 5,523.31 6,299.03 5,265.13 5,820.80

AAVAS Financiers Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,296.15 1,346.42 1,429.19 1,549.26 1,495.94

NSE:AAVAS vs RKT, FNMA, PFSI: EBIT Comparison

For the Mortgage Finance subindustry, AAVAS Financiers's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Banks Industry

For the Banks industry and Financial Services sector, AAVAS Financiers's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where AAVAS Financiers's EV-to-EBIT falls into.


NSE:AAVAS
83GF Score
AAVAS Financiers Ltd NSE:AAVAS
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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AAVAS Financiers EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹5,821 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹5,821 Mil mean?
AAVAS Financiers (NSE:AAVAS) has a EBIT of ₹5,821 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on AAVAS Financiers.
Is AAVAS Financiers' EBIT too high?
AAVAS Financiers' current EBIT is ₹5,821 Mil. Overall, AAVAS Financiers has a GF Score™ of 83/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AAVAS Financiers' EBIT compare to RKT and FNMA?
AAVAS Financiers' EBIT of ₹5,821 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on AAVAS Financiers. AAVAS Financiers's current EBIT is ₹5,821 Mil. 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 ₹2,160.55, compared to a current price of ₹1,489.90 — trading 31% below its estimated fair value. The current EBIT is ₹5,821 Mil. AAVAS Financiers' overall GF Score™ is 83/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current EBIT is ₹5,821 Mil as of Mar. 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 ₹1,489.90 is trading 31% below its estimated GF Value™ of ₹2,160.55. GuruFocus considers AAVAS Financiers to be Possible Value Trap.

Key valuation signals for NSE:AAVAS:

  • EBIT: ₹5,821 Mil
  • GF Value™: ₹2,160.55 vs. price of ₹1,489.90 (31% below fair value)
  • GF Score™: 83/100 with 5 warning signs

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 Business Description

Other Exchanges 541988:India
Address Mansarover Industrial Area, 201-202, 2nd Floor, Southend Square, Jaipur, RJ, IND, 302020
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.
83GF Score

Get the complete analysis for NSE:AAVAS

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,489.90
Price
₹2,160.55
GF Value