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AAVAS FinanciersNSE:AAVAS -0.86%84 3-Year EBITDA Growth Rate is 15.00% as of Jun. 2026, which is 34% below its 10-year median of 22.85. GuruFocus rates NSE:AAVAS with a GF Score™ of 84/100 and a GF Value™ of ₹2,102.00 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 44 Banks companies, AAVAS Financiers ranks better than 59.09% on this metric.
During the past 12 months, AAVAS Financiers's average EBITDA Per Share Growth Rate was 15.90% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 15.00% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 18.10% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 32.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of AAVAS Financiers was 96.20% per year. The lowest was 15.00% per year. And the median was 22.85% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
AAVAS Financiers 3-Year EBITDA Growth Rate Related Terms
NSE:AAVAS vs RKT, FNMA, PFSI: 3-Year EBITDA Growth Rate Comparison
For the Mortgage Finance subindustry, AAVAS Financiers's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 15.00% mean?
AAVAS Financiers (NSE:AAVAS) has a 3-Year EBITDA Growth Rate of 15.00% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for AAVAS Financiers and its competitors. This is 34% below median its historical median of 22.85. Over the past decade, AAVAS Financiers' 3-Year EBITDA Growth Rate has ranged from 15.00 to 96.20. According to the industry distribution chart, AAVAS Financiers ranks #18 out of 44 companies in the Banks industry, placing it in the top 40.9%.
Is AAVAS Financiers' 3-Year EBITDA Growth Rate too high?
AAVAS Financiers' current 3-Year EBITDA Growth Rate of 15.00% is 34% below median its 10-year median of 22.85. Over the past 10 years, this metric has ranged from a low of 15.00 to a high of 96.20. The Banks industry median 3-Year EBITDA Growth Rate is 10.15. AAVAS Financiers' value of 15.00% is 47.8% above this industry median. Based on the distribution chart, AAVAS Financiers ranks #18 out of 44 companies in the Banks industry, which is above the industry midpoint. Overall, AAVAS Financiers has a GF Score™ of 84/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AAVAS Financiers' 3-Year EBITDA Growth Rate compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #18 out of 44 companies for 3-Year EBITDA Growth Rate. This puts AAVAS Financiers in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 10.15. AAVAS Financiers' value of 15.00% is 47.8% above this benchmark. Historically, AAVAS Financiers' own 3-Year EBITDA Growth Rate has ranged from 15.00 to 96.20 over the past decade. While the company's 10-year median is 22.85 vs. the industry median of 10.15, AAVAS Financiers has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Banks company?
The median 3-Year EBITDA Growth Rate among Banks companies is 10.15, based on 44 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AAVAS Financiers's current 3-Year EBITDA Growth Rate of 15.00% is 47.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for AAVAS Financiers and its competitors. For the Banks industry, the median 3-Year EBITDA Growth Rate is 10.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current 3-Year EBITDA Growth Rate is 15.00%, which is 34% below median its own 10-year median of 22.85. 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 ₹2,102.00, compared to a current price of ₹1,275.10 — trading 39.3% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 15.00%, which is 34% below median its 10-year median of 22.85 and 47.8% above the Banks industry median of 10.15. AAVAS Financiers' overall GF Score™ is 84/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current 3-Year EBITDA Growth Rate is 15.00% 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 ₹1,275.10 is trading 39.3% below its estimated GF Value™ of ₹2,102.00.
GuruFocus considers AAVAS Financiers to be Possible Value Trap.
Key valuation signals for NSE:AAVAS:
3-Year EBITDA Growth Rate: 15.00% (34% below median its 10-year median of 22.85)
GF Value™: ₹2,102.00 vs. price of ₹1,275.10 (39.3% below fair value)
Industry Position: 47.8% above the Banks median (#18 of 44)
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.
84GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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