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

₹ 261 -0.06%
07 Aug - 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 Profile:[1]
a) Housing Loan:
It provides 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.
b) Business Loans:
These are offered 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.
c) Quasi Home Loans:
For refinancing customers’ investments in construction or for purchasing a house up
to Rs. 25 lakh.
d) Insurance Support:
The company has collaborated with insurance companies to offer Credit Shield Insurance and Property Insurance.

Website BSE NSE
  • Market Cap ₹ 13,054 Cr.
  • Current Price ₹ 261
  • High / Low ₹ 365 / 193
  • Stock P/E 13.3
  • Book Value ₹ 101
  • Dividend Yield 1.73 %
  • ROCE 15.4 %
  • ROE 20.1 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 28.7% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 30.2%

Cons

  • Promoter holding has decreased over last 3 years: -38.4%

* 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 250 SmallCap Index Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
306 334 351 375 395 421 450 484 520 544 554 574 600
Interest 85 96 98 109 120 128 143 150 160 165 162 161 170
45 56 59 61 61 68 67 75 81 91 99 101 108
Financing Profit 176 181 194 205 215 225 240 259 279 288 292 312 322
Financing Margin % 57% 54% 55% 55% 54% 53% 53% 54% 54% 53% 53% 54% 54%
10 11 13 13 10 14 9 15 10 10 15 19 10
Depreciation 2 3 2 2 3 3 3 3 3 3 3 4 3
Profit before tax 183 190 205 215 222 237 246 271 286 294 304 328 329
Tax % 22% 22% 23% 24% 23% 23% 22% 24% 23% 23% 22% 20% 21%
142 148 158 164 172 182 190 207 219 227 236 261 261
EPS in Rs 2.86 2.97 3.16 3.29 3.44 3.64 3.81 4.14 4.39 4.53 4.72 5.21 5.21
Gross NPA % 1.29% 1.19% 1.19% 1.07% 1.32% 1.25% 1.28% 1.19% 1.49% 1.55% 1.56% 1.52%
Net NPA % 0.97% 0.89% 0.89% 0.80% 0.98% 0.94% 0.96% 0.89% 1.12% 1.17% 1.18% 1.15%
Raw PDF

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 Mar 2026 TTM
126 201 325 500 640 815 1,093 1,365 1,750 2,192 2,272
Interest 36 53 115 185 207 209 277 389 542 650 658
32 47 67 86 101 144 196 218 270 371 400
Financing Profit 58 101 143 230 332 461 621 758 939 1,171 1,215
Financing Margin % 46% 50% 44% 46% 52% 57% 57% 56% 54% 53% 53%
0 3 13 23 19 26 40 44 48 53 54
Depreciation 2 2 3 6 6 7 7 9 12 13 14
Profit before tax 56 101 153 247 345 480 654 793 975 1,211 1,255
Tax % 34% 34% 27% 15% 23% 23% 23% 23% 23% 22%
37 67 112 211 267 370 503 612 751 943 985
EPS in Rs 4.73 8.49 14.18 22.74 28.77 7.45 10.10 12.26 15.03 18.83 19.67
Dividend Payout % 0% 0% 0% 0% 0% 0% 20% 37% 30% 24%
Compounded Sales Growth
10 Years: %
5 Years: 28%
3 Years: 26%
TTM: 21%
Compounded Profit Growth
10 Years: %
5 Years: 29%
3 Years: 23%
TTM: 23%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: -1%
1 Year: -22%
Return on Equity
10 Years: 17%
5 Years: 18%
3 Years: 19%
Last Year: 20%

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 Mar 2026
Equity Capital 79 79 79 95 95 99 100 100 100 100
Reserves 442 506 620 1,614 1,885 2,817 3,240 3,668 4,217 4,960
Borrowing 306 840 1,603 2,022 2,515 2,728 3,796 5,200 6,873 7,904
18 40 61 16 26 39 41 37 54 84
Total Liabilities 845 1,465 2,362 3,747 4,520 5,684 7,176 9,005 11,243 13,048
5 4 4 10 10 12 15 22 35 39
CWIP 0 0 0 0 0 0 0 0 0 0
Investments 1 45 0 0 53 102 51 51 53 240
840 1,416 2,358 3,737 4,458 5,570 7,110 8,931 11,156 12,768
Total Assets 845 1,465 2,362 3,747 4,520 5,684 7,176 9,005 11,243 13,048

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 Mar 2026
-303 -495 -714 -735 -621 -724 -1,047 -1,356 -1,405 -489
2 8 0 -97 65 -62 111 21 -90 -72
300 534 764 1,209 495 768 978 1,224 1,461 822
Net Cash Flow -1 47 51 377 -61 -18 42 -111 -34 261
Free Cash Flow -303 -498 -717 -737 -622 -727 -1,050 -1,361 -1,412 -496
CFO/OP -306% -303% -262% -164% -100% -90% -99% -102% -80% -14%

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 Mar 2026
ROE % 7% 12% 17% 18% 14% 15% 16% 17% 19% 20%

Insights

In beta
Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Assets Under Management (AUM)
INR Crore

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Number of Branches
count
Number of Customers
count
Disbursements
INR Crore
AUM per Branch
INR Crore
Andhra Pradesh AUM (Geographic Concentration)
INR Crore
Home Loan Average Ticket Size
INR Lakh
Number of Employees
count

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
62.13% 62.10% 61.10% 54.09% 53.90% 52.99% 52.99% 40.37% 23.87% 23.86% 23.86% 23.86%
14.83% 15.42% 19.58% 22.81% 22.45% 21.86% 27.74% 30.41% 35.36% 33.19% 30.34% 29.96%
2.78% 5.21% 5.11% 9.14% 9.48% 9.68% 9.88% 16.04% 25.87% 27.29% 29.43% 29.90%
20.27% 17.28% 14.22% 13.96% 14.16% 15.47% 9.40% 13.19% 14.89% 15.65% 16.35% 16.27%
No. of Shareholders 1,36,9881,42,1171,29,4151,30,2891,53,1091,64,3871,55,2701,64,7521,60,7411,66,7291,66,2291,66,122

* 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

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