Aptus Value Housing Finance India Ltd

Aptus Value Hou. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Aptus Value Housing Finance India Ltd

₹ 318 -1.07%
13 May - close price
aptusindia.com BSE: 543335 NSE: APTUS
About

Aptus Value Housing Finance India Ltd is a Home Loan Company. Aptus has been formed to primarily address the housing finance needs of self-employed, low and middle income families primarily from semi-urban and rural areas. Company targets first-time home buyers where collateral is self- occupied residential property.

Key Points

Target Market
Aptus Value Housing Finance (AVHF) is an entirely retail focussed housing finance company primarily serving low and middle-income customers. AVHF does not provide any loans to builders or for commercial real estate. AVHF targets first time home buyers where the collateral is a self-occupied residential property. The target segment is self-employed individuals (72% of AUM), and remaining from salaried segment. [1] [2]
Within self-employed, AVHF's customers have limited or no documentary evidence of their income, and with limited access to funding from banks and larger HFCs. AVHF is geographically present the rural and semi-urban markets of India, with a focus on South India. [3]

Website BSE NSE
  • Market Cap ₹ 15,871 Cr.
  • Current Price ₹ 318
  • High / Low ₹ 392 / 240
  • Stock P/E 33.0
  • Book Value ₹ 68.3
  • Dividend Yield 1.41 %
  • ROCE 13.4 %
  • ROE 14.8 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 36.2% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 23.4%

Cons

  • Stock is trading at 4.66 times its book value
  • Promoter holding has decreased over last quarter: -1.00%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
146 150 163 175 190 202 228 245 254 255 269 276 288
26 28 33 29 31 33 43 40 50 29 41 48 54
Operating Profit 120 122 131 147 159 169 185 205 204 225 227 229 235
OPM % 82% 81% 80% 84% 84% 84% 81% 84% 80% 88% 85% 83% 81%
6 4 6 6 9 8 9 8 9 5 7 10 12
Interest 46 47 48 42 42 46 58 69 70 76 82 81 85
Depreciation 1 1 2 1 2 2 2 2 2 2 3 2 2
Profit before tax 80 77 88 109 123 130 134 142 141 152 150 155 159
Tax % 22% 22% 21% 22% 23% 21% 20% 25% 22% 22% 21% 22% 23%
62 60 69 85 94 102 107 106 110 119 119 121 122
EPS in Rs 6.68 1.25 1.40 1.70 1.90 2.05 2.14 2.14 2.20 2.39 2.38 2.42 2.45
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
78 126 199 304 435 535 679 929 1,088
23 33 46 60 72 85 120 162 174
Operating Profit 55 93 153 244 363 450 559 766 914
OPM % 70% 74% 77% 80% 83% 84% 82% 83% 84%
0 0 3 11 20 17 24 31 35
Interest 28 36 52 112 170 182 180 243 323
Depreciation 1 2 2 3 6 6 7 7 9
Profit before tax 26 56 101 140 207 279 396 547 617
Tax % 33% 34% 34% 27% 13% 22% 22% 22% 22%
18 37 66 103 181 218 308 425 481
EPS in Rs 2.81 4.70 8.45 13.03 19.55 23.48 6.20 8.53 9.63
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 23% 47%
Compounded Sales Growth
10 Years: %
5 Years: 29%
3 Years: 27%
TTM: 17%
Compounded Profit Growth
10 Years: %
5 Years: 36%
3 Years: 30%
TTM: 13%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 20%
Return on Equity
10 Years: %
5 Years: 14%
3 Years: 14%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 62 79 79 79 95 95 99 100 100
Reserves 150 442 506 610 1,575 1,796 2,667 3,011 3,308
277 306 826 1,552 1,830 2,174 2,347 3,481 3,993
11 18 40 22 16 24 43 49 35
Total Liabilities 501 845 1,450 2,263 3,515 4,089 5,156 6,641 7,435
2 5 4 4 10 10 12 15 22
CWIP 0 0 0 0 0 0 0 0 0
Investments 7 8 60 90 151 205 255 205 207
492 833 1,386 2,169 3,354 3,875 4,889 6,420 7,206
Total Assets 501 845 1,450 2,263 3,515 4,089 5,156 6,641 7,435

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-533 -488 -676 -1,129
-156 68 -62 110
1,064 346 726 1,045
Net Cash Flow 375 -74 -11 27

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0
Working Capital Days 115 -5 -55 -4 -10 -8 -11 -7 -3
ROCE % 14% 14% 14% 13% 12% 13% 14%

Shareholding Pattern

Numbers in percentages

5 Recently
Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
62.51% 62.35% 62.35% 62.35% 62.21% 62.21% 62.21% 62.21% 62.13% 62.10% 61.10%
10.28% 11.02% 11.40% 11.50% 12.42% 14.05% 14.06% 14.15% 14.83% 15.42% 19.58%
20.19% 20.15% 20.38% 20.46% 2.63% 2.57% 2.59% 2.96% 2.78% 5.21% 5.11%
7.02% 6.49% 5.88% 5.69% 22.74% 21.18% 21.15% 20.68% 20.27% 17.28% 14.22%
No. of Shareholders 2,48,9281,88,1101,40,8141,38,4341,35,1341,31,7321,31,3651,38,4921,36,9881,42,1171,29,415

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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