AAVAS FinanciersNSE:AAVAS +1.37%84 PS Ratio is 5.09 as of Jul. 12, 2026, which is 60% below its 10-year median of 12.74. GuruFocus rates NSE:AAVAS with a GF Score™ of 84/100 and a GF Value™ of ₹2,147.61 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,520 Banks companies, AAVAS Financiers ranks worse than 84.8% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, AAVAS Financiers's share price is ₹1525.90.
AAVAS Financiers's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹299.97. Hence, AAVAS Financiers's PS Ratio for today is 5.09.
The historical rank and industry rank for AAVAS Financiers's PS Ratio or its related term are showing as below:
NSE:AAVAS'
s PS Ratio Range Over the Past 10 Years
Min: 3.75 Med: 12.74 Max: 23.46
Current: 5.07
During the past 13 years, AAVAS Financiers's highest PS Ratio was 23.46. The lowest was 3.75. And the median was 12.74.
NSE:AAVAS's PS Ratio is ranked worse than 84.8% of 1520
companies
in the Banks industry
Industry Median: 3.025
vs NSE:AAVAS: 5.07
AAVAS Financiers Ltd has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of AAVAS Financiers was 12.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 20.60% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 21.40% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 26.10% per year.
During the past 13 years, AAVAS Financiers's highest 3-Year average Revenue per Share Growth Rate was 75.80% per year. The lowest was 20.60% per year. And the median was 25.55% per year.
Back to Basics: PS Ratio
AAVAS Financiers (NSE:AAVAS) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
AAVAS Financiers PS Ratio Related Terms
AAVAS Financiers PS Ratio Historical Data
* Premium members only.
The historical data trend for AAVAS Financiers's PS Ratio 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.
For the Mortgage Finance subindustry, AAVAS Financiers's PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's PS Ratio distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
AAVAS Financiers's Share Price of today is ₹1525.90. AAVAS Financiers's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹299.97.
* 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.
It can also be calculated from the numbers for the whole company:
AAVAS Financiers (NSE:AAVAS) has a PS Ratio of 5.09 as of Jul. 12, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on AAVAS Financiers and its competitors. This is 60% below median its historical median of 12.74. Over the past decade, AAVAS Financiers' PS Ratio has ranged from 3.75 to 23.46. According to the industry distribution chart, AAVAS Financiers ranks #1289 out of 1520 companies in the Banks industry, placing it in the top 84.8%.
Is AAVAS Financiers' PS Ratio too high?
AAVAS Financiers' current PS Ratio of 5.09 is 60% below median its 10-year median of 12.74. Over the past 10 years, this metric has ranged from a low of 3.75 to a high of 23.46. The Banks industry median PS Ratio is 3.03. AAVAS Financiers' value of 5.09 is 68.3% above this industry median. Based on the distribution chart, AAVAS Financiers ranks #1289 out of 1520 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AAVAS Financiers' PS Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #1289 out of 1520 companies for PS Ratio. This places AAVAS Financiers in the lower half of its industry. The industry median PS Ratio is 3.03. AAVAS Financiers' value of 5.09 is 68.3% above this benchmark. Historically, AAVAS Financiers' own PS Ratio has ranged from 3.75 to 23.46 over the past decade. While the company's 10-year median is 12.74 vs. the industry median of 3.03, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.03, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AAVAS Financiers's current PS Ratio of 5.09 is 68.3% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on AAVAS Financiers and its competitors. For the Banks industry, the median PS Ratio is 3.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current PS Ratio is 5.09, which is 60% below median its own 10-year median of 12.74. 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 Modestly Undervalued. The stock's GF Value™ is ₹2,147.61, compared to a current price of ₹1,525.90 — trading 28.9% below its estimated fair value. The current PS Ratio is 5.09, which is 60% below median its 10-year median of 12.74 and 68.3% above the Banks industry median of 3.03. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current PS Ratio is 5.09 as of Jul. 12, 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 ₹1,525.90 is trading 28.9% below its estimated GF Value™ of ₹2,147.61.
GuruFocus considers AAVAS Financiers to be Modestly Undervalued.
Key valuation signals for NSE:AAVAS:
PS Ratio: 5.09 (60% below median its 10-year median of 12.74)
GF Value™: ₹2,147.61 vs. price of ₹1,525.90 (28.9% below fair value)
Industry Position: 68.3% above the Banks median (#1289 of 1520)
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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