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

₹ 283 2.82%
08 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

Products
Housing Loan - Loan for constructing an independent house or an apartment on the customer’s owned land or purchasing new or second-hand houses, and for house renovations.
Business Loans - Business loans to individuals who require financial support for their business by providing self-occupied property as collateral with a maximum limit of 60% of the property value.
Quasi Home Loans - For refinancing customers’ investments in construction or for purchasing a house up to Rs. 25 lakhs.
Insurance Support* - The company has collaborated with insurance companies to offer Credit Shield Insurance and Property Insurance.[1]

Website BSE NSE
  • Market Cap ₹ 14,161 Cr.
  • Current Price ₹ 283
  • High / Low ₹ 365 / 193
  • Stock P/E 20.4
  • Book Value ₹ 85.4
  • Dividend Yield 1.59 %
  • ROCE 14.4 %
  • ROE 17.2 %
  • Face Value ₹ 2.00
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Pros

  • Company's median sales growth is 31.9% of last 10 years

Cons

  • Stock is trading at 3.31 times its book value
  • Promoter holding has decreased over last 3 years: -38.3%

* 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

Financial Services Financial Services Finance Housing Finance Company

Part of BSE 500 Nifty 500 Nifty Smallcap 100 BSE Financial Services BSE 250 SmallCap Index

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
254 255 269 276 288 299 314 327 354 356 381 370 378
Interest 70 76 82 81 85 91 97 108 110 113 115 110 106
50 30 41 46 50 51 48 42 37 51 46 72 74
Financing Profit 134 149 146 150 153 157 169 176 207 191 220 189 198
Financing Margin % 53% 58% 54% 54% 53% 53% 54% 54% 59% 54% 58% 51% 52%
9 5 7 8 8 7 9 7 15 10 35 15 19
Depreciation 2 2 3 2 2 3 3 3 3 3 3 3 3
Profit before tax 141 152 150 155 159 162 176 180 220 198 252 201 213
Tax % 22% 22% 21% 22% 23% 21% 22% 21% 23% 22% 20% 21% 17%
110 119 119 121 122 127 137 142 170 155 202 160 176
EPS in Rs 2.20 2.39 2.38 2.42 2.45 2.55 2.74 2.84 3.39 3.10 4.03 3.19 3.52
Gross NPA % 1.20% 1.18% 1.34% 1.19%
Net NPA % 0.89% 0.88% 1.00% 0.90%
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 Mar 2025 Mar 2026
78 126 199 304 435 535 679 929 1,088 1,294 1,485
Interest 28 36 52 112 170 182 180 243 324 406 444
23 33 46 60 72 85 120 167 166 175 243
Financing Profit 27 58 100 132 193 268 379 519 598 712 798
Financing Margin % 35% 46% 50% 44% 44% 50% 56% 56% 55% 55% 54%
0 0 3 11 20 17 24 35 28 37 79
Depreciation 1 2 2 3 6 6 7 7 9 12 13
Profit before tax 26 56 101 140 207 279 396 547 617 737 865
Tax % 33% 34% 34% 27% 13% 22% 22% 22% 22% 22% 20%
18 37 66 103 181 218 308 425 481 575 693
EPS in Rs 2.81 4.70 8.45 13.03 19.55 23.48 6.20 8.53 9.63 11.51 13.84
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 23% 47% 39% 0%
Compounded Sales Growth
10 Years: 34%
5 Years: 23%
3 Years: 17%
TTM: 15%
Compounded Profit Growth
10 Years: 44%
5 Years: 26%
3 Years: 18%
TTM: 20%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 3%
1 Year: -10%
Return on Equity
10 Years: 15%
5 Years: 15%
3 Years: 16%
Last Year: 17%

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 Mar 2025 Mar 2026
Equity Capital 62 79 79 79 95 95 99 100 100 100 100
Reserves 150 442 506 610 1,575 1,796 2,667 3,011 3,308 3,681 4,174
Borrowing 277 306 826 1,552 1,830 2,174 2,347 3,481 3,993 4,855 5,215
11 18 40 22 16 24 38 37 35 48 64
Total Liabilities 501 845 1,450 2,263 3,515 4,089 5,151 6,629 7,436 8,684 9,553
2 5 4 4 10 10 12 15 22 35 36
CWIP 0 0 0 0 0 0 0 0 0 0 0
Investments 7 8 60 90 151 205 255 205 207 209 350
492 833 1,386 2,169 3,354 3,875 4,884 6,408 7,206 8,440 9,167
Total Assets 501 845 1,450 2,263 3,515 4,089 5,151 6,629 7,436 8,684 9,553

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 Mar 2025 Mar 2026
-533 -488 -676 -1,129 -508 -641 23
-156 68 -62 110 21 -95 -18
1,064 346 726 1,045 322 641 149
Net Cash Flow 375 -74 -11 27 -164 -95 155
Free Cash Flow -535 -489 -679 -1,132 -513 -648 18
CFO/OP -135% -94% -104% -131% -40% -44% 15%

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 Mar 2025 Mar 2026
ROE % 8% 10% 12% 16% 15% 12% 13% 14% 15% 16% 17%

Insights

In beta
Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Dec 2025
Assets Under Management (AUM)
₹ Crores

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Gross Non-Performing Assets (GNPA)
%
Number of Branches
Numbers
Current/Active Customers
Numbers
Disbursements
₹ Crores
Collection Efficiency
%
Average Ticket Size (Sanction/Login)
₹ Lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
62.21% 62.13% 62.10% 61.10% 54.09% 53.90% 52.99% 52.99% 40.37% 23.87% 23.86% 23.86%
14.15% 14.83% 15.42% 19.58% 22.81% 22.45% 21.86% 27.74% 30.41% 35.36% 33.19% 30.34%
2.96% 2.78% 5.21% 5.11% 9.14% 9.48% 9.68% 9.88% 16.04% 25.87% 27.29% 29.43%
20.68% 20.27% 17.28% 14.22% 13.96% 14.16% 15.47% 9.40% 13.19% 14.89% 15.65% 16.35%
No. of Shareholders 1,38,4921,36,9881,42,1171,29,4151,30,2891,53,1091,64,3871,55,2701,64,7521,60,7411,66,7291,66,229

* 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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Documents

Announcements

Annual reports

DRHP

Credit ratings

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