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Aptus Value Housing Finance India Ltd.

•
aptusindia.comBSE: 543335NSE: APTUS
Market Cap₹ 12,486 Cr.
Current Price
High / Low₹ 341 / 193
Stock P/E12.7
Book Value₹ 106
Price to Book1.93
Dividend Yield1.81 %
ROCE15.4 %
ROE20.2 %
Face Value₹ 2

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence
84%
View full sector analysis →

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

Financial ServicesFinanceFinance - Housing
Part ofNIFTY TOTAL MKTNIFTY SML250 Q50NIFTY 500NIFTY SMLCAP 250
S.No.Name
1.BAJAJHFL84.16673.2470124.930.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2256.3031.6553390.900.49460.98—3368.2733.527.7464.47
3.HUDCO172.708.1234572.813.50851.1135.053717.1727.108.4197.08
4.LICHSGFIN562.555.3930943.791.781499.039.907082.59-1.168.5997.06
5.PNBHOUSING1175.0013.2430644.460.68557.344.472263.449.029.4191.52
6.AADHARHFC456.3517.5319997.560.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP147.450.0017171.390.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS249.3012.6812485.701.81260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1184.6521.3112386.640.441598.511244.525380.111086.0511.1377.98
10.CANFINHOME781.059.2110400.041.92267.8219.631096.157.439.1491.29
11.AAVAS1275.1020.6110110.820.00142.4812.34546.0221.429.9774.58
12.INDIASHLTR652.0514.157118.251.53137.5927.24408.2324.7312.9673.07
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
306334351375395421450484520544554574600
45155576161677375819199101282
Operating Profit260277295313334354377409439453455473492
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 Income10111113101315151010151910
Interest859698109120128143150160165162161170
Depreciation2322333333343
183190205215222237246271286294304328329
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 Profit014800172182191207219227236261261
3033344445551

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
1211983245006408151,0931,3651,7502,1922,272
32476386101144196220270371573
Operating Profit891512614145396708971,1451,4801,8211,699
OPM %73.23%76.25%80.69%82.84%84.27%82.29%82.08%83.87%84.57%83.07%74.78%
55132319264046485354
Interest3653116185207209277389542650658
Depreciation22566779121314
Profit before Tax561011532473454806547939751,2111,255
Tax %33.80%34.08%26.99%14.67%22.65%22.89%23.05%22.85%22.94%22.15%21.53%
Net Profit3767112211267370503612751943985
EPS5.228.482.834.7427.727.5310.0812.2615.0318.83—
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

Corporate actions

2026

May 15

₹ 1.25

Interim Dividend

2025

Nov 7

₹ 1

Interim Dividend

2025

May 16

₹ 1.25

Interim Dividend

2024

Nov 14

₹ 1

Second Interim Dividend

2024

May 15

₹ 1.25

Interim Dividend

2024

Feb 9

₹ 1

2023

May 12

₹ 1

Interim Dividend

2022

Dec 8

₹ 1

Rs.2.0000 per share(100%)Interim Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital797979959599100100100100
4425056171,6131,8842,8123,2323,6594,2034,942
3068591,6002,0152,5122,7243,7915,1946,8677,895
Trade Payables23112893420
468034112271725234791
Total Liabilities8751,5242,3313,7344,7195,6617,1578,97911,22113,048
541010101215223539
1450053102515153240
Cash & Bank1714111603438446460336303563
8531,4622,2103,1214,2195,1026,6308,57010,83112,205
Total Assets8751,5242,3313,7344,7195,6617,1578,97911,22113,048

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-253-414-554-499-329-401-613-947-851168
Cash from Investing2845-9765-6211121-90-72
Cash from Financing3005347631,2094957689781,2241,461822
-14795377-61-1842-111-34261

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
53.9753.9152.9852.9840.3723.8723.8723.8723.86
22.8122.4521.8627.7430.4135.3633.1930.3429.96
9.149.489.689.8816.0425.8727.2929.4329.90
Government0.000.000.000.000.000.000.000.000.00
14.0714.1615.469.3913.1914.9015.6516.3516.27

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-05
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-05 - Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet

2026-09-03
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-03 - Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet

2026-08-31
ESOP/ESOS/ESPS

2026-08-31 - Aptus Value Housing Finance India Limited has informed the Exchange regarding Allotment of 12500 Shares.

2026-08-31
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-31 - Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet

2026-08-21
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-21 - Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet

2026-08-07
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-07 - Aptus Value Housing Finance India Limited has informed the Exchange about Transcript

2026-08-06
Shareholders meeting

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
Shareholders meeting

2026-08-04 - Aptus Value Housing Finance India Limited has informed the Exchange about Shareholders meeting

2026-08-03
Updates

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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