Aptus Value Housing Finance India Ltd logo

Aptus Value Housing Finance India Ltd

APTUS NSE

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.

AI Verdict: BUY Confidence: 7%

Aptus Value Housing Finance trades at a PE of 14.5x with 20% ROE and 26% TTM profit growth, supported by 94% analyst buy ratings. The stock's 14% correction over the past year offers an attractive entry point for a well-run affordable housing financier with consistent 28-29% profit CAGR over 5 years.

Key Fundamentals

MicrocapHousing FinanceFinancial Services
Market Cap
₹13,327 Cr
Volatility
Moderate
P/E Ratio
14.06
EBITDA
₹1,820 Cr
Return on Equity
16.24%
Debt to Equity
1.49
Book Value
₹101.05
EPS
₹12.85
52W High
₹364
52W Low
₹193.03

Technical Indicators

Key Insights

Strengths

2
  • 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%

Weaknesses

1
  • Promoter holding has decreased over last 3 years: -38.3%

Growth Rate

Revenue Growth
21.90% ↗
Net Income Growth
28.44% ↗
Cash Flow Change
-3.63% ↘
ROE
7.14% ↘
ROCE
3.26% ↘
EBITDA Margin (Avg.)
-4.58% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 3d ago
BUY
Risk medium

Aptus Value Housing Finance trades at a PE of 14.5x with 20% ROE and 26% TTM profit growth, supported by 94% analyst buy ratings. The stock's 14% correction over the past year offers an attractive entry point for a well-run affordable housing financier with consistent 28-29% profit CAGR over 5 years.

Bull Case 8
  • Strong analyst consensus with 94.12% buy ratings (16 out of 17 analysts recommend buy)
  • Healthy ROE of 20% in the last year, consistently maintained at 17-20% over the past decade
  • Excellent profit growth of 28.7% CAGR over the last 5 years, with TTM profit growth at 26%
  • Revenue compounding at 26% CAGR over 3 years and 28% over 5 years indicates strong business momentum
  • Attractive valuation at PE of 14.5x relative to 20% ROE, translating to a PEG ratio of approximately 0.56 on TTM profit growth
  • Consistent dividend payout ratio of 30.2% with current yield of 1.65%, rare for a growth-stage NBFC
  • Price-to-book of 2.7x is reasonable for a housing finance company delivering 20% ROE consistently
  • Stock has corrected 14% over 1 year, offering a better risk-reward entry compared to recent highs
Bear Case 8
  • Significant promoter holding decline of 38.3% over the last 3 years raises governance and alignment concerns
  • Stock CAGR of only 3% over 3 years despite 23% profit CAGR suggests PE de-rating and market skepticism
  • 5-year stock CAGR data unavailable, limiting long-term return visibility for investors
  • Market cap of Rs 13,588 crore may face liquidity constraints for large institutional investors
  • Affordable housing finance segment faces higher credit risk with borrowers in informal economy sectors
  • 1 out of 17 analysts rates the stock a sell, indicating not all experts are fully convinced
  • ROE has only marginally improved from 17% (10-year average) to 20% (last year), suggesting limited operating leverage expansion
  • Missing debt-to-equity data prevents full assessment of balance sheet leverage risk in a rising rate environment

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 14h ago
Neutral 3
  • Mumbai investor meet Jun 24 Jun 19

    Aptus Value Housing Finance will host an investor conference in Mumbai on June 24, 2026, relying on publicly available information.

  • Mumbai analyst meet Jun 5 Jun 3

    Company scheduled an investor and analyst meeting in Mumbai on June 5, 2026, with discussions based on publicly available information.

  • Singapore investor meets Jun 9-10 Jun 1

    Aptus will hold investor and analyst meetings in Singapore on June 9 and 10, 2026, relying on publicly available information.

TL;DR: Recent news flow for Aptus Value Housing Finance is entirely procedural, consisting of routine investor and analyst meeting announcements across Mumbai and Singapore in June 2026. No operational, financial, or regulatory developments were reported. The active investor engagement calendar suggests management is maintaining visibility with institutional investors, but there are no material catalysts or risks emerging from the current news cycle.

Quarterly Results

  Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue
299
306
334
351
375
395
421
450
484
520
544
554
574
Expenses
55
45
56
59
61
61
68
67
75
81
91
99
101
Financing Profit
166
176
181
194
205
215
225
240
259
279
288
292
312
Fin. Margin %
56%
57%
54%
55%
55%
54%
53%
53%
54%
54%
53%
53%
54%
Other Income
12
10
11
13
13
10
14
9
15
10
10
15
19
Interest
78
85
96
98
109
120
128
143
150
160
165
162
161
Depreciation
2
2
3
2
2
3
3
3
3
3
3
3
4
PBT
176
183
190
205
215
222
237
246
271
286
294
304
328
Tax %
23%
22%
22%
23%
24%
23%
23%
22%
24%
23%
23%
22%
20%
Net Profit
135
142
148
158
164
172
182
190
207
219
227
236
261
EPS in Rs
2.72
2.86
2.97
3.16
3.29
3.44
3.64
3.81
4.14
4.39
4.53
4.72
5.21
Gross NPA %
1.15%
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 %
0.86%
0.97%
0.89%
0.89%
0.8%
0.98%
0.94%
0.96%
0.89%
1.12%
1.17%
1.18%
1.15%
Figures in ₹ Crores

Profit & Loss

  Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue
126
201
325
500
640
815
1,093
1,365
1,750
2,192
Expenses
32
47
67
86
101
144
196
225
270
373
Financing Profit
58
101
143
230
332
461
621
751
939
1,171
Fin. Margin %
46%
50%
44%
46%
52%
57%
57%
55%
54%
53%
Other Income
0
3
13
23
19
26
40
52
48
53
Interest
36
53
115
185
207
209
277
389
542
648
Depreciation
2
2
3
6
6
7
7
9
12
13
PBT
56
101
153
247
345
480
654
793
975
1,211
Tax %
34%
34%
27%
15%
23%
23%
23%
23%
23%
22%
Net Profit
37
67
112
211
267
370
503
612
751
943
EPS in Rs
4.73
8.49
14.18
22.74
28.77
7.45
10.1
12.26
15.03
18.83
Div. Payout %
0%
0%
0%
0%
0%
0%
20%
37%
30%
24%
Figures in ₹ Crores

Balance Sheet

  Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Other Liabilities
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
Fixed Assets
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
Other Assets
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
Figures in ₹ Crores

Cash Flow

  Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-303
-495
-714
-735
-621
-724
-1,047
-1,356
-1,405
-592
Investing
2
8
0
-97
65
-62
111
21
-90
-72
Financing
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
158
Free Cash Flow
-303
-498
-717
-737
-622
-727
-1,050
-1,361
-1,412
-599
CFO/OP
-306
-303
-262
-164
-100
-90
-99
-103
-80
-20
Figures in ₹ Crores

Ratios

  Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
7%
12%
17%
18%
14%
15%
16%
17%
19%
20%

Shareholding Pattern

As of Mar 2026
FIIs 30.34%
DIIs 29.44%
Promoters 23.87%
Public 10.72%
Others 5.63%
Total 100.00%
  May 2021Aug 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters
74.87%
62.51%
62.51%
62.35%
62.35%
62.35%
62.21%
62.21%
62.20%
62.20%
62.12%
62.09%
61.09%
53.97%
53.91%
52.98%
52.98%
40.37%
23.87%
23.87%
23.87%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
14.83%
0.00%
19.58%
22.81%
22.46%
21.87%
27.74%
30.40%
35.35%
33.20%
30.34%
DIIs
0.00%
1.00%
1.16%
1.17%
1.42%
1.42%
1.26%
2.58%
2.58%
1.63%
2.78%
4.17%
5.10%
9.15%
9.48%
9.68%
9.88%
16.04%
25.88%
27.29%
29.44%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
0.00%
8.64%
4.55%
4.26%
3.61%
3.61%
3.50%
3.37%
3.50%
4.34%
4.29%
4.36%
4.19%
4.25%
4.70%
6.15%
6.08%
7.92%
8.98%
9.93%
10.72%
Others
25.13%
27.84%
31.77%
32.23%
32.63%
32.63%
33.03%
31.85%
31.71%
31.83%
15.97%
29.38%
10.03%
9.82%
9.46%
9.31%
3.31%
5.27%
5.92%
5.71%
5.63%
No. of Shareholders
43
15,88,550
2,48,928
1,88,110
1,40,814
1,38,434
1,35,134
1,31,732
1,31,365
1,38,492
1,36,988
1,42,117
1,29,415
1,30,289
1,53,109
1,64,387
1,55,270
1,64,752
1,60,741
1,66,729
1,66,229

Documents

Frequently Asked Questions about Aptus Value Housing Finance India Ltd

What does Aptus Value Housing Finance India Ltd do?
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 ...
Where is Aptus Value Housing Finance India Ltd (APTUS) listed?
Aptus Value Housing Finance India Ltd is listed on the Indian stock exchanges. It is listed on NSE: APTUS and BSE: 543335. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Aptus Value Housing Finance India Ltd belong to?
Aptus Value Housing Finance India Ltd operates in the Financial Services sector within the Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd has a market capitalisation of approximately ₹13327.27 Cr. Based on this, it is classified as a Mid Cap stock.
What is the PE ratio of Aptus Value Housing Finance India Ltd?
The Price-to-Earnings (PE) ratio of Aptus Value Housing Finance India Ltd is 14.06. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Aptus Value Housing Finance India Ltd?
Over the past 52 weeks, Aptus Value Housing Finance India Ltd has traded between a low of ₹193.03 and a high of ₹364. This range helps investors understand the stock's price volatility and recent trading levels.
Does Aptus Value Housing Finance India Ltd pay dividends?
Yes, Aptus Value Housing Finance India Ltd has a dividend yield of 1.70%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd has a Return on Equity (ROE) of 16.24%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Aptus Value Housing Finance India Ltd on Tapetide?
On Tapetide, you can view Aptus Value Housing Finance India Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

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.

Website aptusindia.com
CEO Mr. Munuswamy Anandan
Employees 3,351
Listed 2021-08-24
Face Value ₹ 2
Issued Size 50,07,22,736

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