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AAVAS FinanciersNSE:AAVAS -2.40%84 EV-to-EBIT is 40.62 as of Aug. 17, 2026, which is 5% below its 10-year median of 42.95. GuruFocus rates NSE:AAVAS with a GF Score™ of 84/100 and a GF Value™ of ₹2,128.05 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 36 Banks companies, AAVAS Financiers ranks worse than 75% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
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 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹6,133 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.
AAVAS Financiers EV-to-EBIT Related Terms
AAVAS Financiers EV-to-EBIT Historical Data
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The historical data trend for AAVAS Financiers's EV-to-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.
NSE:AAVAS vs RKT, FNMA, PFSI: EV-to-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.
AAVAS Financiers's current Enterprise Value is ₹249,100 Mil.
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.
* 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 EV-to-EBIT of 40.62 as of Aug. 17, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on AAVAS Financiers and its competitors. This is near median its historical median of 42.95. Over the past decade, AAVAS Financiers' EV-to-EBIT has ranged from 15.60 to 90.75. According to the industry distribution chart, AAVAS Financiers ranks #27 out of 36 companies in the Banks industry, placing it in the top 75%.
Is AAVAS Financiers' EV-to-EBIT too high?
AAVAS Financiers' current EV-to-EBIT of 40.62 is near median its 10-year median of 42.95. Over the past 10 years, this metric has ranged from a low of 15.60 to a high of 90.75. The Banks industry median EV-to-EBIT is 23.87. AAVAS Financiers' value of 40.62 is 70.2% above this industry median. Based on the distribution chart, AAVAS Financiers ranks #27 out of 36 companies in the Banks industry, which is below 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' EV-to-EBIT compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #27 out of 36 companies for EV-to-EBIT. This places AAVAS Financiers in the lower half of its industry. The industry median EV-to-EBIT is 23.87. AAVAS Financiers' value of 40.62 is 70.2% above this benchmark. Historically, AAVAS Financiers' own EV-to-EBIT has ranged from 15.60 to 90.75 over the past decade. While the company's 10-year median is 42.95 vs. the industry median of 23.87, 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 EV-to-EBIT for a Banks company?
The median EV-to-EBIT among Banks companies is 23.87, based on 36 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AAVAS Financiers's current EV-to-EBIT of 40.62 is 70.2% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on AAVAS Financiers and its competitors. For the Banks industry, the median EV-to-EBIT is 23.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current EV-to-EBIT is 40.62, which is near median its own 10-year median of 42.95. 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 ₹2,128.05, compared to a current price of ₹1,397.40 — trading 34.3% below its estimated fair value. The current EV-to-EBIT is 40.62, which is near median its 10-year median of 42.95 and 70.2% above the Banks industry median of 23.87. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current EV-to-EBIT is 40.62 as of Aug. 17, 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 ₹1,397.40 is trading 34.3% below its estimated GF Value™ of ₹2,128.05.
GuruFocus considers AAVAS Financiers to be Possible Value Trap.
Key valuation signals for NSE:AAVAS:
EV-to-EBIT: 40.62 (near median its 10-year median of 42.95)
GF Value™: ₹2,128.05 vs. price of ₹1,397.40 (34.3% below fair value)
Industry Position: 70.2% above the Banks median (#27 of 36)
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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