Aptus Value Housing Finance India Ltd
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.
- Market Cap ₹ 16,484 Cr.
- Current Price ₹ 330
- High / Low ₹ 402 / 268
- Stock P/E 21.9
- Book Value ₹ 86.4
- Dividend Yield 1.36 %
- ROCE 15.0 %
- ROE 18.6 %
- Face Value ₹ 2.00
Pros
- Company has delivered good profit growth of 28.9% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 28.8%
Cons
- Stock is trading at 3.82 times its book value
- Promoter holding has decreased over last 3 years: -9.37%
* 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 BSE SmallCap BSE Allcap BSE Financial Services
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|
126 | 201 | 325 | 500 | 640 | 815 | 1,093 | 1,365 | 1,750 | |
32 | 47 | 67 | 86 | 101 | 144 | 196 | 225 | 271 | |
Operating Profit | 94 | 154 | 258 | 414 | 539 | 670 | 897 | 1,140 | 1,479 |
OPM % | 74% | 77% | 79% | 83% | 84% | 82% | 82% | 83% | 85% |
0 | 3 | 13 | 23 | 19 | 26 | 40 | 52 | 48 | |
Interest | 36 | 53 | 115 | 185 | 207 | 209 | 277 | 389 | 541 |
Depreciation | 2 | 2 | 3 | 6 | 6 | 7 | 7 | 9 | 12 |
Profit before tax | 56 | 101 | 153 | 247 | 345 | 480 | 654 | 793 | 975 |
Tax % | 34% | 34% | 27% | 15% | 23% | 23% | 23% | 23% | 23% |
37 | 67 | 112 | 211 | 267 | 370 | 503 | 612 | 751 | |
EPS in Rs | 4.73 | 8.49 | 14.18 | 22.74 | 28.77 | 7.45 | 10.10 | 12.26 | 15.03 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 20% | 37% | 30% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 28% |
3 Years: | 29% |
TTM: | 28% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 29% |
3 Years: | 27% |
TTM: | 23% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 9% |
1 Year: | 4% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 17% |
3 Years: | 17% |
Last Year: | 19% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|
Equity Capital | 79 | 79 | 79 | 95 | 95 | 99 | 100 | 100 | 100 |
Reserves | 442 | 506 | 620 | 1,614 | 1,885 | 2,817 | 3,240 | 3,668 | 4,217 |
306 | 840 | 1,603 | 2,022 | 2,515 | 2,728 | 3,796 | 5,200 | 6,873 | |
18 | 40 | 61 | 16 | 26 | 39 | 41 | 37 | 54 | |
Total Liabilities | 845 | 1,465 | 2,362 | 3,747 | 4,520 | 5,684 | 7,176 | 9,005 | 11,243 |
5 | 4 | 4 | 10 | 10 | 12 | 15 | 22 | 35 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 1 | 45 | 0 | 0 | 53 | 102 | 51 | 51 | 53 |
840 | 1,416 | 2,358 | 3,737 | 4,458 | 5,570 | 7,110 | 8,931 | 11,156 | |
Total Assets | 845 | 1,465 | 2,362 | 3,747 | 4,520 | 5,684 | 7,176 | 9,005 | 11,243 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|
-303 | -495 | -714 | -735 | -621 | -724 | -1,047 | -1,356 | -1,405 | |
2 | 8 | 0 | -97 | 65 | -62 | 111 | 21 | 13 | |
300 | 534 | 764 | 1,209 | 495 | 768 | 978 | 1,224 | 1,461 | |
Net Cash Flow | -1 | 47 | 51 | 377 | -61 | -18 | 42 | -111 | 70 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|
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 | -5 | -56 | -8 | -9 | -7 | -7 | -1 | -3 | 7 |
ROCE % | 14% | 14% | 14% | 13% | 14% | 15% | 15% | 15% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 12m
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 5 Jun
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Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011
5 Jun - WestBridge Crossover Fund sold 12.40% shares, reducing stake from 30% to 16.46% in Aptus Value Housing Finance.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
3 Jun - Scheduled investor/analyst meetings from June 3-9; presentation uploaded; no UPSI to be discussed.
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
3 Jun - Allotment of 9,374 equity shares of Rs.2 each under Aptus Employee Stock Option Scheme 2021
Annual reports
Concalls
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May 2025Transcript PPT
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Feb 2025Transcript PPT REC
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Nov 2024Transcript PPT
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May 2024Transcript PPT REC
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Aug 2022Transcript PPT
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May 2022Transcript PPT
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Jan 2022Transcript PPT
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Nov 2021Transcript PPT
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Oct 2021TranscriptNotesPPT
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]