Both stocks run through our valuation models. Here is how Aavas Financiers (AAVAS) and Fmcct (FMCCT) compare, as of Aug 13, 2026.
As of Aug 13, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Aavas Financiers trades at ₹1,416 versus a fair value of ₹675 (-52%), while Fmcct trades at $14.60 versus $27.80 (+90%).
Aavas Financiers
AAVAS.NSE · INR · Financials
-52%
upside to fair value
overvalued
Price₹1,416
Fair Value₹675
Quality63/100
Fmcct
FMCCT · USD · Financials
+90%
upside to fair value
undervalued
Price$14.60
Fair Value$27.80
Quality53/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Aavas FinanciersFmcct
Valuation
18.2×P/E (TTM)242.6×
7.61×P/S (TTM)—
2.34×P/B—
29.0×EV/EBITDA—
Profitability
42%Net margin50%
53%Operating margin69%
14%Return on equity17%
3%Return on assets0%
Growth
19%Revenue growth (YoY)16%
—Avg. growth/yr (3Y)92.6%
—Avg. growth/yr (5Y)43.0%
Balance & size
3.09×Debt / equity47.84×
$1BMarket cap$59B
—Growth qualitymixed
Aavas Financiers leads: 4 to 3 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
Aavas Financiersof which business quality 59 · market factors 47Fmcctof which business quality 49 · market factors 11
ProfitabilityMargins and returns on capital today
41
36
Quality GrowthAre margins and returns improving?
62
29
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
47
62
Low VolatilityCalm price path (market factor)
81
27
MomentumPrice trend over the last 3–12 months (market factor)
37
8
52W MomentumDistance to the 52-week high (market factor)
24
0
Net IssuanceBuybacks instead of dilution
86
82
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
Aavas Financiers
DCF Models₹739
Earnings-Based₹3,105
Multiples₹983
Asset-Based₹427
Growth DCF₹1,083
Economic Profit₹745
8 of 10 models see the stock below the current price.
Fmcct
Earnings-Based$137
Multiples$36.95
Asset-Based$14.64
Economic Profit$29.54
0 of 6 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
Aavas Financiers
Bear ₹675Fair Value ₹675Bull ₹1,342
₹1,416 = current price (white tick)
Fmcct
Bear $20.85Fair Value $27.80Bull $34.75
$14.60 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Aavas Financiers · Financials
Quality score63 · Top 25%
Fair value upside-52% · bottom 25%
Fmcct · Financials
Quality score53 · below median
Fair value upside+90% · Top 25%
Bottom line
As of Aug 13, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Aavas Financiers trades at ₹1,416 versus a fair value of ₹675 (-52%), while Fmcct trades at $14.60 versus $27.80 (+90%).
Aavas Financiers has the higher quality score (63/100).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
