AAVAS Financiers (NSE:AAVAS) ROE % Adjusted to Book Value: 8.51% (As of Mar. 2026)


NSE:AAVAS AAVAS Financiers Ltd NSE:AAVAS
81 GF Score
Price ₹1,506.10
GF Value ₹2,155.22
Valuation Possible Value Trap
! 5 Warning Signs
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What is AAVAS Financiers ROE % Adjusted to Book Value?

AAVAS Financiers NSE:AAVAS +0.15% 81 ROE % Adjusted to Book Value is 8.51% as of Mar. 2026. GuruFocus rates NSE:AAVAS with a GF Score™ of 81/100 and a GF Value™ of ₹2,155.22 (Possible Value Trap). The stock has 5 warning signs investors should review.

AAVAS Financiers's ROE % for the quarter that ended in Mar. 2026 was 14.39%. AAVAS Financiers's PB Ratio for the quarter that ended in Mar. 2026 was 1.69. AAVAS Financiers's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 8.51%.


AAVAS Financiers ROE % Adjusted to Book Value Related Terms


AAVAS Financiers ROE % Adjusted to Book Value Historical Data

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The historical data trend for AAVAS Financiers's ROE % Adjusted to Book Value 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.

AAVAS Financiers ROE % Adjusted to Book Value Chart

AAVAS Financiers Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.89 3.63 5.05 3.74 8.24

AAVAS Financiers Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.73 0.00 5.08 0.00 8.51

NSE:AAVAS vs RKT, FNMA, PFSI: ROE % Adjusted to Book Value Comparison

For the Mortgage Finance subindustry, AAVAS Financiers's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, AAVAS Financiers's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where AAVAS Financiers's ROE % Adjusted to Book Value falls into.


NSE:AAVAS
81GF Score
AAVAS Financiers Ltd NSE:AAVAS
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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AAVAS Financiers ROE % Adjusted to Book Value Calculation

AAVAS Financiers's ROE % Adjusted to Book Value for the fiscal year that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.92% / 1.69
=8.24%

AAVAS Financiers's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.39% / 1.69
=8.51%

* 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 ROE % Adjusted to Book Value of 8.51% mean?
AAVAS Financiers (NSE:AAVAS) has a ROE % Adjusted to Book Value of 8.51% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AAVAS Financiers and its competitors.
Is AAVAS Financiers' ROE % Adjusted to Book Value too high?
AAVAS Financiers' current ROE % Adjusted to Book Value is 8.51%. Overall, AAVAS Financiers has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AAVAS Financiers' ROE % Adjusted to Book Value compare to RKT and FNMA?
AAVAS Financiers' ROE % Adjusted to Book Value of 8.51% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AAVAS Financiers and its competitors. AAVAS Financiers's current ROE % Adjusted to Book Value is 8.51%. 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 ₹2,155.22, compared to a current price of ₹1,506.10 — trading 30.1% below its estimated fair value. The current ROE % Adjusted to Book Value is 8.51%. AAVAS Financiers' overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current ROE % Adjusted to Book Value is 8.51% 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 ₹1,506.10 is trading 30.1% below its estimated GF Value™ of ₹2,155.22. GuruFocus considers AAVAS Financiers to be Possible Value Trap.

Key valuation signals for NSE:AAVAS:

  • ROE % Adjusted to Book Value: 8.51%
  • GF Value™: ₹2,155.22 vs. price of ₹1,506.10 (30.1% below fair value)
  • GF Score™: 81/100 with 5 warning signs

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 Business Description

Other Exchanges 541988:India
Address Mansarover Industrial Area, 201-202, 2nd Floor, Southend Square, Jaipur, RJ, IND, 302020
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.
81GF Score

Get the complete analysis for NSE:AAVAS

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,506.10
Price
₹2,155.22
GF Value