Aptus Value Housing Finance India Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 28.7% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 71.0%
- Solid return on assets for a lender - ROA of 7.6%
- Asset quality is healthy - gross NPA of just 1.5%
- Company has consistently been profitable over the last 5 years
- Company has delivered good sales growth of 27.9% CAGR over last 5 years
CONS
- Promoter holding has decreased over last 2 years: -30.1pp
- Free cash flow has been persistently negative
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | 84.16 | 673.24 | 70124.93 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| PIRAMALFIN | 2256.30 | 31.65 | 53390.90 | 0.49 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| HUDCO | 172.70 | 8.12 | 34572.81 | 3.50 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| LICHSGFIN | 562.55 | 5.39 | 30943.79 | 1.78 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| PNBHOUSING | 1175.00 | 13.24 | 30644.46 | 0.68 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| AADHARHFC | 456.35 | 17.53 | 19997.56 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| SAMMAANCAP | 147.45 | 0.00 | 17171.39 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | -4.70 | 99.91 |
| APTUS | 249.30 | 12.68 | 12485.70 | 1.81 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| HOMEFIRST | 1184.65 | 21.31 | 12386.64 | 0.44 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| CANFINHOME | 781.05 | 9.21 | 10400.04 | 1.92 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| AAVAS | 1275.10 | 20.61 | 10110.82 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 9.97 | 74.58 |
| INDIASHLTR | 652.05 | 14.15 | 7118.25 | 1.53 | 137.59 | 27.24 | 408.23 | 24.73 | 12.96 | 73.07 |
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 | |
| 45 | 155 | 57 | 61 | 61 | 67 | 73 | 75 | 81 | 91 | 99 | 101 | 282 | |
| Operating Profit | 260 | 277 | 295 | 313 | 334 | 354 | 377 | 409 | 439 | 453 | 455 | 473 | 492 |
| OPM % | 85.19% | 83.18% | 83.88% | 83.63% | 84.67% | 84.11% | 83.79% | 84.47% | 84.43% | 83.23% | 82.14% | 82.33% | 81.94% |
| Other Income | 10 | 11 | 11 | 13 | 10 | 13 | 15 | 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 |
| 183 | 190 | 205 | 215 | 222 | 237 | 246 | 271 | 286 | 294 | 304 | 328 | 329 | |
| Tax % | 22.45% | 21.91% | 23.18% | 23.72% | 22.50% | 23.13% | 22.41% | 23.60% | 23.22% | 23.01% | 22.25% | 20.34% | 20.71% |
| Net Profit | 0 | 148 | 0 | 0 | 172 | 182 | 191 | 207 | 219 | 227 | 236 | 261 | 261 |
| 3 | 0 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 1 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 121 | 198 | 324 | 500 | 640 | 815 | 1,093 | 1,365 | 1,750 | 2,192 | 2,272 | |
| 32 | 47 | 63 | 86 | 101 | 144 | 196 | 220 | 270 | 371 | 573 | |
| Operating Profit | 89 | 151 | 261 | 414 | 539 | 670 | 897 | 1,145 | 1,480 | 1,821 | 1,699 |
| OPM % | 73.23% | 76.25% | 80.69% | 82.84% | 84.27% | 82.29% | 82.08% | 83.87% | 84.57% | 83.07% | 74.78% |
| 5 | 5 | 13 | 23 | 19 | 26 | 40 | 46 | 48 | 53 | 54 | |
| Interest | 36 | 53 | 116 | 185 | 207 | 209 | 277 | 389 | 542 | 650 | 658 |
| Depreciation | 2 | 2 | 5 | 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 % | 33.80% | 34.08% | 26.99% | 14.67% | 22.65% | 22.89% | 23.05% | 22.85% | 22.94% | 22.15% | 21.53% |
| Net Profit | 37 | 67 | 112 | 211 | 267 | 370 | 503 | 612 | 751 | 943 | 985 |
| EPS | 5.22 | 8.48 | 2.83 | 4.74 | 27.72 | 7.53 | 10.08 | 12.26 | 15.03 | 18.83 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 39.60% | 36.69% | 29.94% | 23.90% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 40%
- 5 Years:
- 28%
- 3 Years:
- 26%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 49%
- 5 Years:
- 29%
- 3 Years:
- 23%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -7%
- 3 Years:
- -3%
- 1 Year:
- -26%
RETURN ON EQUITY
- 10 Years:
- 16%
- 5 Years:
- 17%
- 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 |
| 442 | 505 | 617 | 1,613 | 1,884 | 2,812 | 3,232 | 3,659 | 4,203 | 4,942 | |
| 306 | 859 | 1,600 | 2,015 | 2,512 | 2,724 | 3,791 | 5,194 | 6,867 | 7,895 | |
| Trade Payables | 2 | 3 | 1 | 1 | 2 | 8 | 9 | 3 | 4 | 20 |
| 46 | 80 | 34 | 11 | 227 | 17 | 25 | 23 | 47 | 91 | |
| Total Liabilities | 875 | 1,524 | 2,331 | 3,734 | 4,719 | 5,661 | 7,157 | 8,979 | 11,221 | 13,048 |
| 5 | 4 | 10 | 10 | 10 | 12 | 15 | 22 | 35 | 39 | |
| 1 | 45 | 0 | 0 | 53 | 102 | 51 | 51 | 53 | 240 | |
| Cash & Bank | 17 | 14 | 111 | 603 | 438 | 446 | 460 | 336 | 303 | 563 |
| 853 | 1,462 | 2,210 | 3,121 | 4,219 | 5,102 | 6,630 | 8,570 | 10,831 | 12,205 | |
| Total Assets | 875 | 1,524 | 2,331 | 3,734 | 4,719 | 5,661 | 7,157 | 8,979 | 11,221 | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -253 | -414 | -554 | -499 | -329 | -401 | -613 | -947 | -851 | 168 | |
| Cash from Investing | 2 | 8 | 45 | -97 | 65 | -62 | 111 | 21 | -90 | -72 |
| Cash from Financing | 300 | 534 | 763 | 1,209 | 495 | 768 | 978 | 1,224 | 1,461 | 822 |
| -1 | 47 | 95 | 377 | -61 | -18 | 42 | -111 | -34 | 261 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-05 - Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet
2026-09-03 - Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet
2026-08-31 - Aptus Value Housing Finance India Limited has informed the Exchange regarding Allotment of 12500 Shares.
2026-08-31 - Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet
2026-08-21 - Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet
2026-08-07 - Aptus Value Housing Finance India Limited has informed the Exchange about Transcript
2026-08-06 - Aptus Value Housing Finance India Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 04, 2026. Further, the company has informed the Exchange regarding voting results.
2026-08-04 - Aptus Value Housing Finance India Limited has informed the Exchange about Shareholders meeting
2026-08-03 - Aptus Value Housing Finance India Limited has informed the Exchange regarding 'Earnings Call Clarification'.
News
Recent coverage and analyst commentary for APTUS
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