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Aptus Value Housing Finance India Limited APTUS NIFTY_SMALLNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.aptusindia.com
Company Profile ↓
₹292.50
-13.59% 1Y
Mkt Cap₹14,646.73 Cr
P/E19.49
P/B2.86
Div. Yield1.76%
52W High₹353.65
52W Low₹192.77
Book Value₹101.05
EPS (TTM)₹15.01

Company Overview

Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions in India. The company offers home and quasi-home loans for the purchase, construction, renovation, and extension of houses; loans against property for construction and purchase of houses; and secured, small business, and refinance loans. It also provides life, credit shield, and property insurance products. The company serves individual homebuyers; low and middle income salaried and self-employed individuals; and first-time homeowners from rural and semi-urban markets. Aptus Value Housing Finance India Limited was incorporated in 2009 and is headquartered in Chennai, India.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 18.6%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 23.3% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 23.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 19.5, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 59.0%.

Recent Developments

  • Mar 2026 Revenue of ₹1,597.04 Cr (+27.0% YoY); net profit ₹942.94 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +27.0%, earnings +25.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 23.0%, profit CAGR 23.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:23.02%
1 Year:26.96%

Compounded Profit Growth

5 Years:23.30%
1 Year:25.52%

Stock Price Performance

1 Year:-13.59%
6 Months:+7.18%
3 Months:+19.60%
1 Month:+7.26%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 62% of range
₹192.77 ₹353.65
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • Golden Cross4d ago
  • RSI (14)67.24 · Neutral
Price Performance
1M+7.26%
3M+19.60%
6M+7.18%
1Y-13.59%
Valuation vs Sector

P/E of 19.49 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 59.0%.
  • Compounding revenue at 23.0% over 5 years.
  • Profit CAGR of 23.3% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
19.49
Industry PE
19.81
Forward P/E
11.27
PEG Ratio
-
Book Value
₹101.05
Price to Book
2.86
P/S
9.44
EV/EBITDA
-
Dividend Yield
1.76%

Growth (CAGR)

Revenue 5Y
23.02%
Profit 5Y
23.30%
Revenue (YoY)
26.96%
Earnings (YoY)
25.52%

Profitability & Returns

ROCE
-
ROE
18.64%
ROA
7.23%
Profit Margin
59.04%
Op Margin
78.61%
Gross Margin
100.00%
EPS (Latest Qtr)
₹5.21
EPS (TTM)
₹15.01

Balance Sheet & Liquidity

Debt/Equity
1.56
Quick Ratio
182.99
Current Ratio
183.59
Debt
₹7,903.77 Cr
Total Assets
₹13,047.66 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
26.44%
Chg in Prom Hold
-0.00%
FII / Inst Holding
48.74%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
₹14,646.73 Cr
Total Revenue (TTM)
₹1,597.04 Cr
EBITDA
-
Free Cash Flow
₹-598.79 Cr
Operating Cash Flow
₹-592.41 Cr
Shares Outstanding
₹50.07 Cr
Gross Margin
100.00%
Payout Ratio
23.89%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 APTUS Aptus Value Housing Finance India Limited NIFTY_SMALLNSEFINANCIAL 292.50 19.49 ₹14,646.73 Cr 1.76% - 18.64% 23.02% 23.30%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 299.00 Cr306.00 Cr334.00 Cr351.00 Cr375.00 Cr395.00 Cr421.00 Cr321.77 Cr349.46 Cr369.71 Cr544.00 Cr406.04 Cr432.61 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 55.00 Cr45.00 Cr56.00 Cr59.00 Cr61.00 Cr61.00 Cr68.00 Cr63.32 Cr70.55 Cr73.58 Cr91.00 Cr85.36 Cr89.12 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 78.00 Cr85.00 Cr96.00 Cr98.00 Cr109.00 Cr120.00 Cr128.00 Cr142.91 Cr149.78 Cr160.43 Cr165.00 Cr162.49 Cr160.51 Cr
Pretax Income 176.00 Cr183.00 Cr190.00 Cr205.00 Cr215.00 Cr222.00 Cr237.00 Cr245.53 Cr270.96 Cr285.55 Cr294.00 Cr303.78 Cr327.56 Cr
Tax Provision 40.48 Cr40.26 Cr41.80 Cr47.15 Cr51.60 Cr51.06 Cr54.51 Cr55.03 Cr63.94 Cr66.30 Cr67.62 Cr67.60 Cr66.61 Cr
Net Income 135.00 Cr142.00 Cr148.00 Cr158.00 Cr164.00 Cr172.00 Cr182.00 Cr190.50 Cr207.03 Cr219.25 Cr227.00 Cr236.19 Cr260.95 Cr
Diluted EPS 2.722.862.973.163.293.443.643.814.144.384.534.725.21

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 126.00 Cr201.00 Cr325.00 Cr500.00 Cr640.00 Cr-857.73 Cr1,021.33 Cr1,257.89 Cr1,597.04 Cr
Cost of Revenue ----------
Gross Profit ----------
Operating Expenses 32.00 Cr47.00 Cr67.00 Cr86.00 Cr101.00 Cr-165.24 Cr206.66 Cr254.73 Cr324.37 Cr
Operating Income ----------
EBITDA ----------
Interest Expense 36.00 Cr53.00 Cr115.00 Cr185.00 Cr207.00 Cr-275.91 Cr387.86 Cr540.51 Cr648.45 Cr
Pretax Income 56.00 Cr101.00 Cr153.00 Cr247.00 Cr345.00 Cr-653.72 Cr793.16 Cr974.84 Cr1,211.16 Cr
Tax Provision 19.04 Cr34.34 Cr41.31 Cr37.05 Cr79.35 Cr-150.71 Cr181.26 Cr223.59 Cr268.21 Cr
Net Income 37.00 Cr67.00 Cr112.00 Cr211.00 Cr267.00 Cr-503.01 Cr611.90 Cr751.25 Cr942.94 Cr
Diluted EPS 4.738.4914.1822.7428.777.5310.0812.2115.01-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 845.00 Cr1,465.00 Cr2,362.00 Cr3,747.00 Cr4,520.00 Cr-7,176.28 Cr9,004.61 Cr11,243.41 Cr13,047.66 Cr
Current Assets ----------
Cash & Equivalents ------457.57 Cr348.63 Cr409.84 Cr590.74 Cr
Inventory ----------
Receivables -----15.04 Cr25.64 Cr12.49 Cr33.38 Cr-
Total Liabilities ------3,836.95 Cr5,236.69 Cr6,926.76 Cr7,987.62 Cr
Current Liabilities ----------
Long Term Debt ----------
Total Debt ------3,795.82 Cr5,199.61 Cr6,873.09 Cr7,903.77 Cr
Total Equity 521.00 Cr585.00 Cr699.00 Cr1,709.00 Cr1,980.00 Cr-3,339.33 Cr3,767.92 Cr4,316.65 Cr5,060.04 Cr
Shares Outstanding ------49.80 Cr49.89 Cr49.98 Cr50.07 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -303.00 Cr-495.00 Cr-714.00 Cr-735.00 Cr-621.00 Cr--1,047.11 Cr-1,355.68 Cr-1,404.84 Cr-592.41 Cr
Investing Cash Flow 2.00 Cr8.00 Cr0-97.00 Cr65.00 Cr-110.67 Cr20.71 Cr13.05 Cr-71.99 Cr
Financing Cash Flow 300.00 Cr534.00 Cr764.00 Cr1,209.00 Cr495.00 Cr-978.03 Cr1,224.31 Cr1,461.39 Cr821.99 Cr
Capital Expenditure 0-3.00 Cr-3.00 Cr-2.00 Cr-1.00 Cr--3.31 Cr-4.89 Cr-6.91 Cr-6.38 Cr
Free Cash Flow -303.00 Cr-498.00 Cr-717.00 Cr-737.00 Cr-622.00 Cr--1,050.42 Cr-1,360.56 Cr-1,411.75 Cr-598.79 Cr
Net Change in Cash -1.00 Cr47.00 Cr51.00 Cr377.00 Cr-61.00 Cr-41.59 Cr-110.66 Cr69.60 Cr157.59 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ----------
Operating Margin % ----------
Net Margin % 29.4%33.3%34.5%42.2%41.7%-58.6%59.9%59.7%59.0%
ROE % 7.1%11.5%16.0%12.3%13.5%-15.1%16.2%17.4%18.6%
ROCE % ----------

Shareholding Pattern

Insiders
26.44%
Institutions
48.74%
Public Float
66.27%

Analyst View

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Latest News

Recent headlines for APTUS

Yahoo Finance Fri, 08 May 2026

Aptus Value Housing Finance India Ltd (BOM:543335) Q4 2026 Earnings Call Highlights: Record ...

Aptus Value Housing Finance India Ltd (BOM:543335) reports highest quarterly disbursements and a 26% profit increase, despite rising NPAs and competitive challenges.

Yahoo Finance Fri, 06 Feb 2026

Aptus Value Housing Finance India Ltd (BOM:543335) Q3 2026 Earnings Call Highlights: Strong ...

Aptus Value Housing Finance India Ltd (BOM:543335) reports a robust 26% profit increase and strategic branch expansion, while navigating competitive pressures and asset quality concerns.

Yahoo Finance Mon, 03 Nov 2025

Aptus Value Housing Finance India Ltd (BOM:543335) Q2 2026 Earnings Call Highlights: Strong ...

Despite challenges, Aptus Value Housing Finance India Ltd (BOM:543335) reports robust income growth and strategic expansions in Q2 2026.

APTUS — Frequently Asked Questions

What is the current share price of Aptus Value Housing Finance India Limited (APTUS)?

As of 2026-07-15 09:52 IST, Aptus Value Housing Finance India Limited (APTUS) trades at ₹292.50 on NSE. Its 52-week range is ₹192.77 to ₹353.65.

What is the market capitalisation of APTUS?

Aptus Value Housing Finance India Limited (APTUS) has a market capitalisation of ₹14,646.73 Cr on NSE.

What is the P/E ratio of APTUS?

APTUS trades at a trailing price-to-earnings (P/E) ratio of 19.49. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.86.

Does APTUS pay a dividend?

Aptus Value Housing Finance India Limited (APTUS) currently offers a dividend yield of 1.76%.

What is the return on equity (ROE) of APTUS?

APTUS has a return on equity (ROE) of 18.64%.

Is APTUS a good stock to buy?

This page provides a data-driven analysis of Aptus Value Housing Finance India Limited (APTUS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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