TickerKhojComparison · NSE · data 2026-11-03
Aavas Financiers Ltd. vs India Shelter Finance Corp. Ltd.
In plain words
Size: Aavas Financiers Ltd. is about 1.3 times the market value of India Shelter Finance Corp. Ltd..
Return on equity: India Shelter Finance Corp. Ltd. 17% vs Aavas Financiers Ltd. 13.9%.
Profit growth over 3 years: India Shelter Finance Corp. Ltd. 48% a year vs Aavas Financiers Ltd. 15.1% a year.
Debt to equity: Aavas Financiers Ltd. 3.11 vs India Shelter Finance Corp. Ltd. 1.95.
Differences in the numbers, not a recommendation of either stock.
Side by side
| AAVAS | INDIASHLTR | |
|---|---|---|
| Price | ₹1,094.6 | ₹633.55 |
| Market cap | ₹8,428 cr | ₹6,734 cr |
| P/E | 12.4 | 13.4 |
| P/B | 1.6 | — |
| ROE | 13.9% | 17.0% |
| ROCE | — | — |
| Debt / equity | 3.11 | 1.95 |
| Operating margin | 33.5% | 45.4% |
| Dividend yield | 0.00% | 1.62% |
| Sales growth, 3 years (yearly) | 14.6% | 36.1% |
| Profit growth, 3 years (yearly) | 15.1% | 48.0% |
| 1-year return | -34.7% | -28.1% |
| Revenue, last 12 months | ₹2,835 cr | ₹1,600 cr |
| Net profit, last 12 months | ₹705 cr | ₹527 cr |
| Latest quarter | Sept 2026 | Jun 2026 |
| Quarter net profit | ₹182 cr | ₹143 cr |
| Quarter profit vs a year earlier | +10.7% | +19.7% |
| Promoter holding | 48.88% | 45.91% |
| Health check | Average (4.8/10) | Average (5.6/10) |
Common questions
Which has a higher P/E, Aavas Financiers Ltd. or India Shelter Finance Corp. Ltd.?
India Shelter Finance Corp. Ltd. trades at the higher P/E (13.4 against 12.4). A higher P/E means the market pays more for each rupee of past earnings; on its own it does not say which is better.
Which earns a higher return on equity?
India Shelter Finance Corp. Ltd. (17.0% against 13.9%).
Which carries more debt?
Aavas Financiers Ltd. has the higher debt-to-equity ratio (3.11 against 1.95).