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AAVAS FinanciersNSE:AAVAS -0.56%84 Equity-to-Asset is 0.24 as of Jun. 2026, which is 8% below its 10-year median of 0.26. GuruFocus rates NSE:AAVAS with a GF Score™ of 84/100 and a GF Value™ of ₹1,973.07 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 1,517 Banks companies, AAVAS Financiers ranks better than 94.99% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. AAVAS Financiers's Total Stockholders Equity for the quarter that ended in Jun. 2026 was ₹52,196 Mil. AAVAS Financiers's Total Assets for the quarter that ended in Jun. 2026 was ₹217,850 Mil.
Therefore, AAVAS Financiers's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.24.
The historical rank and industry rank for AAVAS Financiers's Equity-to-Asset or its related term are showing as below:
NSE:AAVAS'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.23 Med: 0.26 Max: 0.33
Current: 0.24
During the past 13 years, the highest Equity to Asset Ratio of AAVAS Financiers was 0.33. The lowest was 0.23. And the median was 0.26.
NSE:AAVAS's Equity-to-Asset is ranked better than 94.99% of 1517
companies
in the Banks industry
Industry Median: 0.1
vs NSE:AAVAS: 0.24
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
AAVAS Financiers Equity-to-Asset Related Terms
AAVAS Financiers Equity-to-Asset Historical Data
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The historical data trend for AAVAS Financiers's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Mortgage Finance subindustry, AAVAS Financiers's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
AAVAS Financiers's Equity to Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Equity-to-Asset of 0.24 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AAVAS Financiers and its competitors. This is near median its historical median of 0.26. Over the past decade, AAVAS Financiers' Equity-to-Asset has ranged from 0.23 to 0.33. According to the industry distribution chart, AAVAS Financiers ranks #76 out of 1517 companies in the Banks industry, placing it in the top 5%.
Is AAVAS Financiers' Equity-to-Asset too high?
AAVAS Financiers' current Equity-to-Asset of 0.24 is near median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.33. The Banks industry median Equity-to-Asset is 0.10. AAVAS Financiers' value of 0.24 is 140% above this industry median. Based on the distribution chart, AAVAS Financiers ranks #76 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position 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' Equity-to-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #76 out of 1517 companies for Equity-to-Asset. This places AAVAS Financiers in the top 5% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. AAVAS Financiers' value of 0.24 is 140% above this benchmark. Historically, AAVAS Financiers' own Equity-to-Asset has ranged from 0.23 to 0.33 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AAVAS Financiers's current Equity-to-Asset of 0.24 is 140% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AAVAS Financiers and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current Equity-to-Asset is 0.24, which is near median its own 10-year median of 0.26. 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 ₹1,973.07, compared to a current price of ₹1,284.60 — trading 34.9% below its estimated fair value. The current Equity-to-Asset is 0.24, which is near median its 10-year median of 0.26 and 140% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current Equity-to-Asset is 0.24 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 ₹1,284.60 is trading 34.9% below its estimated GF Value™ of ₹1,973.07.
GuruFocus considers AAVAS Financiers to be Possible Value Trap.
Key valuation signals for NSE:AAVAS:
Equity-to-Asset: 0.24 (near median its 10-year median of 0.26)
GF Value™: ₹1,973.07 vs. price of ₹1,284.60 (34.9% below fair value)
Industry Position: 140% above the Banks median (#76 of 1517)
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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