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AAVAS FinanciersNSE:AAVAS -4.02%83 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 79.75. GuruFocus rates NSE:AAVAS with a GF Score™ of 83/100 and a GF Value™ of ₹2,189.85 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 20 Banks companies, AAVAS Financiers ranks worse than 4999995% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. AAVAS Financiers's
Operating Income
for the
three
months ended in Jun. 2026 was ₹1,658 Mil. AAVAS Financiers's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
AAVAS Financiers has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for AAVAS Financiers's Interest Coverage or its related term are showing as below:
NSE:AAVAS's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 29.955 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
AAVAS Financiers Interest Coverage Related Terms
AAVAS Financiers Interest Coverage Historical Data
* Premium members only.
The historical data trend for AAVAS Financiers's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NSE:AAVAS vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, AAVAS Financiers's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's Interest Coverage distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
AAVAS Financiers (NSE:AAVAS) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on AAVAS Financiers and its competitors. This is 99% below median its historical median of 79.75. Over the past decade, AAVAS Financiers' Interest Coverage has ranged from 24.03 to 165.61. According to the industry distribution chart, AAVAS Financiers ranks #999999 out of 20 companies in the Banks industry.
Is AAVAS Financiers' Interest Coverage too high?
AAVAS Financiers' current Interest Coverage of No Debt (1) is 99% below median its 10-year median of 79.75. Over the past 10 years, this metric has ranged from a low of 24.03 to a high of 165.61. Based on the distribution chart, AAVAS Financiers ranks #999999 out of 20 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #999999 out of 20 companies for Interest Coverage. This places AAVAS Financiers in the lower half of its industry. The industry median Interest Coverage is 29.96. Historically, AAVAS Financiers' own Interest Coverage has ranged from 24.03 to 165.61 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 29.96, based on 20 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on AAVAS Financiers and its competitors. For the Banks industry, the median Interest Coverage is 29.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current Interest Coverage is No Debt (1), which is 99% below median its own 10-year median of 79.75. 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 ₹2,189.85, compared to a current price of ₹1,385.90 — trading 36.7% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 99% below median its 10-year median of 79.75. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current Interest Coverage is No Debt (1) 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 ₹1,385.90 is trading 36.7% below its estimated GF Value™ of ₹2,189.85.
GuruFocus considers AAVAS Financiers to be Possible Value Trap.
Key valuation signals for NSE:AAVAS:
Interest Coverage: No Debt (1) (99% below median its 10-year median of 79.75)
GF Value™: ₹2,189.85 vs. price of ₹1,385.90 (36.7% below fair value)
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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