AAVAS FinanciersNSE:AAVAS +0.49%83 EBITDA Margin % is 25.76% as of Mar. 2026, which is 35% below its 10-year median of 39.77. 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. Among 48 Banks companies, AAVAS Financiers ranks better than 58.33% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. AAVAS Financiers's EBITDA for the
three
months ended in Mar. 2026 was ₹1,615 Mil. AAVAS Financiers's Revenue for the
three
months ended in Mar. 2026 was ₹6,270 Mil. Therefore, AAVAS Financiers's EBITDA margin for the quarter that ended in Mar. 2026 was 25.76%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
AAVAS Financiers EBITDA Margin % Related Terms
AAVAS Financiers EBITDA Margin % Historical Data
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The historical data trend for AAVAS Financiers's EBITDA Margin % 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: EBITDA Margin % Comparison
For the Mortgage Finance subindustry, AAVAS Financiers's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's EBITDA Margin % 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.
AAVAS Financiers (NSE:AAVAS) has a EBITDA Margin % of 25.76% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on AAVAS Financiers and its competitors. This is 35% below median its historical median of 39.77. Over the past decade, AAVAS Financiers' EBITDA Margin % has ranged from 14.71 to 45.68. According to the industry distribution chart, AAVAS Financiers ranks #20 out of 48 companies in the Banks industry, placing it in the top 41.7%.
Is AAVAS Financiers' EBITDA Margin % too high?
AAVAS Financiers' current EBITDA Margin % of 25.76% is 35% below median its 10-year median of 39.77. Over the past 10 years, this metric has ranged from a low of 14.71 to a high of 45.68. The Banks industry median EBITDA Margin % is 20.82. AAVAS Financiers' value of 25.76% is 23.8% above this industry median. Based on the distribution chart, AAVAS Financiers ranks #20 out of 48 companies in the Banks industry, which is above the industry midpoint. 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' EBITDA Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #20 out of 48 companies for EBITDA Margin %. This puts AAVAS Financiers in the upper half of its industry. The industry median EBITDA Margin % is 20.82. AAVAS Financiers' value of 25.76% is 23.8% above this benchmark. Historically, AAVAS Financiers' own EBITDA Margin % has ranged from 14.71 to 45.68 over the past decade. While the company's 10-year median is 39.77 vs. the industry median of 20.82, 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 EBITDA Margin % for a Banks company?
The median EBITDA Margin % among Banks companies is 20.82, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AAVAS Financiers's current EBITDA Margin % of 25.76% is 23.8% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on AAVAS Financiers and its competitors. For the Banks industry, the median EBITDA Margin % is 20.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current EBITDA Margin % is 25.76%, which is 35% below median its own 10-year median of 39.77. 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 EBITDA Margin % is 25.76%, which is 35% below median its 10-year median of 39.77 and 23.8% above the Banks industry median of 20.82. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current EBITDA Margin % is 25.76% 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:
EBITDA Margin %: 25.76% (35% below median its 10-year median of 39.77)
GF Value™: ₹2,160.55 vs. price of ₹1,489.90 (31% below fair value)
Industry Position: 23.8% above the Banks median (#20 of 48)
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.
83GF Score
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