AAVAS FinanciersNSE:AAVAS +0.49%83 Net Margin % is 28.97% as of Mar. 2026, which is 2% below its 10-year median of 29.63. 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 1,527 Banks companies, AAVAS Financiers ranks better than 52.19% on this metric.
The historical rank and industry rank for AAVAS Financiers's Net Margin % or its related term are showing as below:
NSE:AAVAS'
s Net Margin % Range Over the Past 10 Years
Min: 19.37 Med: 29.63 Max: 32.34
Current: 27.37
NSE:AAVAS's Net Margin % is ranked better than 52.19% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs NSE:AAVAS: 27.37
AAVAS Financiers (NSE:AAVAS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
AAVAS Financiers Net Margin % Related Terms
AAVAS Financiers Net Margin % Historical Data
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The historical data trend for AAVAS Financiers's Net 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: Net Margin % Comparison
For the Mortgage Finance subindustry, AAVAS Financiers's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's Net Margin % distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's Net 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 Net Margin % of 28.97% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on AAVAS Financiers and its competitors. This is near median its historical median of 29.63. Over the past decade, AAVAS Financiers' Net Margin % has ranged from 19.37 to 32.34. According to the industry distribution chart, AAVAS Financiers ranks #730 out of 1527 companies in the Banks industry, placing it in the top 47.8%.
Is AAVAS Financiers' Net Margin % too high?
AAVAS Financiers' current Net Margin % of 28.97% is near median its 10-year median of 29.63. Over the past 10 years, this metric has ranged from a low of 19.37 to a high of 32.34. The Banks industry median Net Margin % is 26.95. AAVAS Financiers' value of 28.97% is 7.5% above this industry median. Based on the distribution chart, AAVAS Financiers ranks #730 out of 1527 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' Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #730 out of 1527 companies for Net Margin %. This puts AAVAS Financiers in the upper half of its industry. The industry median Net Margin % is 26.95. AAVAS Financiers' value of 28.97% is 7.5% above this benchmark. Historically, AAVAS Financiers' own Net Margin % has ranged from 19.37 to 32.34 over the past decade. While the company's 10-year median is 29.63 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AAVAS Financiers's current Net Margin % of 28.97% is 7.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on AAVAS Financiers and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current Net Margin % is 28.97%, which is near median its own 10-year median of 29.63. 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 Net Margin % is 28.97%, which is near median its 10-year median of 29.63 and 7.5% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current Net Margin % is 28.97% 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:
Net Margin %: 28.97% (near median its 10-year median of 29.63)
GF Value™: ₹2,160.55 vs. price of ₹1,489.90 (31% below fair value)
Industry Position: 7.5% above the Banks median (#730 of 1527)
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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