Aptus Value Housing Finance India Ltd logo

Aptus Value Housing Finance India Ltd

APTUS NSE

Key Fundamentals

MicrocapHousing FinanceFinancial Services
Market Cap
₹12,784 Cr
Volatility
Moderate
P/E Ratio
12.9
EBITDA
₹1,873 Cr
Return on Equity
18.64%
Debt to Equity
1.58
Book Value
₹100.68
EPS
₹12.85
52W High
₹364
52W Low
₹193.03

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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29 extracted metrics + investor summaries across FY17–FY26.

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Tapetide Score

Data-driven rating, 0–100. How it works →

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: -38.4%

Growth Rate

Revenue Growth
24.86% ↗
Net Income Growth
25.52% ↗
Cash Flow Change
65.17% ↗
ROE
7.13% ↗
ROCE
5.57% ↗
EBITDA Margin (Avg.)
-1.79% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 9h ago
AI opinion · based on fundamentals
Risk medium

Aptus Value Housing Finance is a south-India-focused affordable housing finance company with AUM of ₹11,267 Cr (Q1 FY26, 24% YoY growth), trading at a PE of 12.9x and market cap of ₹12,784 Cr. The company delivers sector-leading profitability with RoA of ~7.9% and RoE of ~20%, though the stock has declined 26% over the past year and promoter holding has seen a significant reduction of 38.4% over 3 years.

Bull Case 8
  • Strong profit growth with 28.7% CAGR over the last 5 years and FY25 PAT of ₹751 Cr, up 23% YoY
  • Sector-leading return ratios with RoA at 7.93% and RoE at 20.09% in Q1 FY26, among the highest in housing finance
  • Robust AUM growth at 24% YoY to ₹11,267 Cr in Q1 FY26 with consistent compounded sales growth of 26% over 3 years
  • Healthy dividend payout ratio of 30.2% with current dividend yield of 1.77%, providing income visibility
  • Attractive valuation at PE of 12.9x relative to the 20% RoE and 23% profit CAGR, implying a PEG below 0.6x
  • Credit rating upgraded to CARE AA (Stable), reducing cost of borrowing and enabling cheaper funding access
  • Distribution network expanded to 300 branches across 6 states and 1 union territory with 38 new branches added in FY25, supporting growth runway
  • Controlled asset quality with GNPA at 1.19% as of Q4 FY25 and credit costs maintained near 50 bps
Bear Case 7
  • Promoter holding has declined by 38.4% over the last 3 years, with promoters selling shares worth ₹1,028 Cr in May 2024 alone, signaling potential lack of confidence
  • Stock has underperformed significantly with a 1-year return of -26% and 3-year CAGR of -2%, indicating sustained market skepticism
  • GNPA rose from 1.19% in Q4 FY25 to 1.49% in Q1 FY26, a 30 bps sequential deterioration that may signal emerging asset quality stress
  • Concentrated geographic presence in 6 southern states and 1 union territory exposes the book to regional economic or weather-related risks
  • Disbursement growth moderated to 15% YoY in FY25 versus 31% in FY24, suggesting potential slowdown in business momentum
  • Focus on self-employed, low and middle-income borrowers in semi-urban and tier 2-4 cities carries inherently higher credit risk in economic downturns
  • PB ratio of 2.53x means the stock is not cheap on a book value basis despite the PE compression, limiting margin of safety

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

AI News Digest

Anthropic anthropic claude-opus-4.6 9h ago
Positives 2
  • AUM grows 21% to ₹13,107 cr Aug 4

    At its 17th AGM, Aptus reported AUM growth of 21% to ₹13,107 crore and profit rose 26% to ₹943 crore for FY26.

  • Q1FY27 profit up 19% Aug 2

    Consolidated net profit rose 19% to ₹26,094 lakh in Q1FY27, with standalone profit up 24.5% to ₹19,272 lakh. Operating income surged 8.3% with improved debt-equity ratios.

Neutral 1
  • Q1 FY27 earnings call uploaded Aug 3

    Aptus uploaded the audio recording of its Q1FY27 earnings conference call (quarter ended June 30, 2026) on its official website.

TL;DR: Aptus Value Housing Finance is delivering strong growth across key metrics — AUM up 21%, annual profit up 26%, and quarterly profit up 19-24% depending on consolidation. No visible headwinds emerged from recent news flow. The improving debt-equity ratio and consistent double-digit profit growth suggest the trajectory remains positive heading into the rest of FY27.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
306
334
351
375
395
421
450
484
520
544
554
574
600
Expenses
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
Fin. Margin %
57%
54%
55%
55%
54%
53%
53%
54%
54%
53%
53%
54%
54%
Other Income
10
11
13
13
10
14
9
15
10
10
15
19
10
Interest
85
96
98
109
120
128
143
150
160
165
162
161
170
Depreciation
2
3
2
2
3
3
3
3
3
3
3
4
3
PBT
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%
Net Profit
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%
0.8%
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 2026TTM
Revenue
126
201
325
500
640
815
1,093
1,365
1,750
2,192
2,272
Expenses
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
Fin. Margin %
46%
50%
44%
46%
52%
57%
57%
56%
54%
53%
53%
Other Income
0
3
13
23
19
26
40
44
48
53
54
Interest
36
53
115
185
207
209
277
389
542
650
658
Depreciation
2
2
3
6
6
7
7
9
12
13
14
PBT
56
101
153
247
345
480
654
793
975
1,211
1,255
Tax %
34%
34%
27%
15%
23%
23%
23%
23%
23%
22%
—
Net Profit
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
10.1
12.26
15.03
18.83
19.67
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
-489
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
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
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 Jun 2026
FIIs 29.95%
DIIs 29.91%
Promoters 23.86%
Public 11.36%
Others 4.91%
Total 99.99%
  May 2021Aug 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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%
23.86%
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%
29.95%
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%
29.91%
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%
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%
11.36%
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%
4.91%
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
1,66,122

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 Housing 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 ₹12783.96 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 12.90. 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 1.77%. 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 18.64%. 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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