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AAVAS FinanciersNSE:AAVAS -0.54%84 EV-to-EBITDA is 37.78 as of Aug. 18, 2026, which is 7% below its 10-year median of 40.61. GuruFocus rates NSE:AAVAS with a GF Score™ of 84/100 and a GF Value™ of ₹2,126.26 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 36 Banks companies, AAVAS Financiers ranks worse than 83.33% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, AAVAS Financiers's enterprise value is ₹248,616 Mil.
AAVAS Financiers's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was ₹6,581 Mil. Therefore, AAVAS Financiers's EV-to-EBITDA for today is 37.78.
The historical rank and industry rank for AAVAS Financiers's EV-to-EBITDA or its related term are showing as below:
NSE:AAVAS'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 14.54 Med: 40.61 Max: 85.86
Current: 37.78
During the past 13 years, the highest EV-to-EBITDA of AAVAS Financiers was 85.86. The lowest was 14.54. And the median was 40.61.
NSE:AAVAS's EV-to-EBITDA is ranked worse than 83.33% of 36
companies
in the Banks industry
Industry Median: 16.94
vs NSE:AAVAS: 37.78
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
AAVAS Financiers's PE Ratio (TTM) for today is calculated as:
AAVAS Financiers's share price for today is ₹1389.80.
AAVAS Financiers's Earnings per Share (Diluted) 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 ₹86.160.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for AAVAS Financiers's EV-to-EBITDA 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-EBITDA Comparison
For the Mortgage Finance subindustry, AAVAS Financiers's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's EV-to-EBITDA falls into.
AAVAS Financiers's current Enterprise Value is ₹248,616 Mil.
AAVAS Financiers's EBITDA 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 ₹6,581 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-EBITDA of 37.78 as of Aug. 18, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on AAVAS Financiers. This is near median its historical median of 40.61. Over the past decade, AAVAS Financiers' EV-to-EBITDA has ranged from 14.54 to 85.86. According to the industry distribution chart, AAVAS Financiers ranks #30 out of 36 companies in the Banks industry, placing it in the top 83.3%.
Is AAVAS Financiers' EV-to-EBITDA too high?
AAVAS Financiers' current EV-to-EBITDA of 37.78 is near median its 10-year median of 40.61. Over the past 10 years, this metric has ranged from a low of 14.54 to a high of 85.86. The Banks industry median EV-to-EBITDA is 16.94. AAVAS Financiers' value of 37.78 is 123% above this industry median. Based on the distribution chart, AAVAS Financiers ranks #30 out of 36 companies in the Banks industry, which is in the bottom quartile relative to peers. 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-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #30 out of 36 companies for EV-to-EBITDA. This places AAVAS Financiers in the lower half of its industry. The industry median EV-to-EBITDA is 16.94. AAVAS Financiers' value of 37.78 is 123% above this benchmark. Historically, AAVAS Financiers' own EV-to-EBITDA has ranged from 14.54 to 85.86 over the past decade. While the company's 10-year median is 40.61 vs. the industry median of 16.94, 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-EBITDA for a Banks company?
The median EV-to-EBITDA among Banks companies is 16.94, based on 36 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AAVAS Financiers's current EV-to-EBITDA of 37.78 is 123% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on AAVAS Financiers. For the Banks industry, the median EV-to-EBITDA is 16.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current EV-to-EBITDA is 37.78, which is near median its own 10-year median of 40.61. 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 ₹2,126.26, compared to a current price of ₹1,389.80 — trading 34.6% below its estimated fair value. The current EV-to-EBITDA is 37.78, which is near median its 10-year median of 40.61 and 123% above the Banks industry median of 16.94. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current EV-to-EBITDA is 37.78 as of Aug. 18, 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 ₹1,389.80 is trading 34.6% below its estimated GF Value™ of ₹2,126.26.
GuruFocus considers AAVAS Financiers to be Possible Value Trap.
Key valuation signals for NSE:AAVAS:
EV-to-EBITDA: 37.78 (near median its 10-year median of 40.61)
GF Value™: ₹2,126.26 vs. price of ₹1,389.80 (34.6% below fair value)
Industry Position: 123% above the Banks median (#30 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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