Aavas Financiers Limited (AAVAS) Financial Results — Revenue ₹2.35 L Cr

1 Financial Results 🔴 High Importance Neutral 📄 PDF

📢 Key Event
Aavas Financiers reported a net profit of ₹1.82 billion in Q4FY26, up 18% YoY.

🔄 What Changed
Net profit grew 18% YoY to ₹1.82 billion; full-year NIM improved to 7.93%; CRAR held at 7.61%; GNPA remained stable at 1.05% and NNPA at 0.68%.

🔮 What's Next
The company projects revenue growth of 18% in FY26 and 25% in FY27, with net interest margin expected at 7.64% in FY26.

💡 Investor Takeaway
Strong profitability and asset quality support growth, but rising funding costs and promoter change introduce execution risks for investors.

Aavas Financiers reported a net profit of ₹1.82 billion in Q4FY26, up 18% YoY, with a full-year net interest margin of 7.93% and CRAR of 7.61%. The company expanded to 435 branches across 15 states, 80% in Tier 3+ areas, serving 55.4% active loans with an average ticket size of ₹6,556. Customer retention stood at 99.5%, with self-employed making up 83% of its retail portfolio. Strategic shifts include promoter change to CVC Capital Partners and funding support from ADB and PTC. Digital transformation and risk management upgrades underpin growth amid stable asset quality, with GNPA at 1.05% and NNPA at 0.68%.

2 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

Revenue: ₹2.35 L CrNet Profit: ₹6,556 Cr

📢 Key Event
Aavas Financiers announces FY26 results with 15% YoY AUM growth and 14% YoY net profit increase

🔄 What Changed
15% YoY AUM growth to Rs 235 bn; 14% YoY net profit growth to Rs 6.56 bn; 31 bps YoY spread expansion to 5.20%; 44 bps QoQ NIM expansion to 8.45%; 16% YoY net worth growth to Rs 50.51 bn; 13 bps YoY improvement in RoA to 3.50%; 38 bps QoQ improvement in RoE to 14.67%

🔮 What's Next
Guidance to keep credit costs < 25 bps on a sustainable basis

💡 Investor Takeaway
Shareholders see improved profitability and asset quality with expanding margins and strong capital growth.

Aavas Financiers reported a 15% YoY rise in Assets under Management to Rs 235 bn and 14% YoY growth in Net Profit to Rs 6.56 bn for FY26, with Net Interest Margin expanding 31 bps YoY to 5.20% and 44 bps QoQ to 8.45%. Net Worth grew 16% YoY to Rs 50.51 bn, while RoA improved 13 bps to 3.50% and RoE rose 38 bps QoQ to 14.67% in Q4FY26. The company maintained strong asset quality with 1+ DPD at 3.17% and Gross Stage 3 at 1.05%.

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