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Aptus Value Housing Finance India Ltd.

•
aptusindia.comBSE: 543335NSE: APTUS
Market Cap₹ 12,931 Cr.
Current Price
High / Low₹ 350 / 193
Stock P/E17.7
Book Value₹ 89
Price to Book2.29
Dividend Yield1.74 %
ROCE14.5 %
ROE17.3 %
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 26.0% 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 delivered good sales growth of 22.7% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 32.5%

CONS

  • Promoter holding has decreased over last 2 years: -30.1pp
  • Growth is decelerating - 3Y profit CAGR (17.7%) trails the 5Y trend (26.0%)

* 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.BAJAJHFL82.93663.4069100.050.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2311.6532.4254700.640.48460.98—3368.2733.527.7464.47
3.HUDCO175.458.2535123.343.45851.1135.053717.1727.108.4197.08
4.LICHSGFIN556.605.3430616.511.801499.039.907082.59-1.168.5997.06
5.PNBHOUSING1142.9012.8829807.280.70557.344.472263.449.029.4191.52
6.AADHARHFC471.7018.1220670.210.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP150.050.0017474.180.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS258.2013.1312931.441.74260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1202.8021.6312576.410.431598.511244.525380.111086.0511.1377.98
10.CANFINHOME787.559.2810486.591.90267.8219.631096.157.439.1491.29
11.AAVAS1292.9520.8910252.360.00142.4812.34546.0221.429.9774.58
12.INDIASHLTR667.5514.487287.461.50137.5927.24408.2324.7312.9673.07
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
255269276288299314329354356381370378418
3012646505147443751467274185
Operating Profit225227230238248267285317305335299304349
OPM %88.27%84.59%83.31%82.58%83.03%85.03%86.52%89.48%85.62%87.90%80.67%80.36%83.53%
Other Income5788787151035151910
Interest768281859197108110113115110106113
Depreciation2322333333333
152150155159162176180220198252201213243
Tax %21.68%20.95%22.28%23.29%21.44%22.12%21.23%22.75%22.02%19.86%20.55%17.22%20.67%
Net Profit119119121122127137142170155202160176193
2022333334340

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
1211972984355356799291,0881,2941,4851,547
3246607285120167168176242377
Operating Profit891512393634505597629191,1181,2431,170
OPM %73.26%76.53%80.02%83.39%84.17%82.32%82.06%84.52%86.38%83.70%75.62%
55162017243530387980
Interest3652112170182180243324406445444
Depreciation22366779121313
Profit before Tax56101140207279396547617737865909
Tax %33.84%34.13%26.70%12.55%21.87%22.24%22.38%22.07%21.94%19.86%19.61%
Net Profit3766103181218308425481575693731
EPS5.188.4413.004.0822.636.258.519.6311.5113.84—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%46.92%46.71%39.09%32.52%—

COMPOUNDED SALES GROWTH

10 Years:
35%
5 Years:
23%
3 Years:
17%

COMPOUNDED PROFIT GROWTH

10 Years:
44%
5 Years:
26%
3 Years:
18%

STOCK PRICE CAGR

10 Years:
—
5 Years:
-7%
3 Years:
-3%
1 Year:
-26%

RETURN ON EQUITY

10 Years:
14%
5 Years:
15%
3 Years:
16%
Last Year:
17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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
4425046081,5731,7952,6623,0033,2993,6674,156
3068441,5521,8302,1712,3433,4763,9874,8495,208
Trade Payables2320158238
46801131281962125264667
Total Liabilities8741,5092,3543,6264,2585,1306,6127,4148,6659,539
54410101215223536
86090151205255205207209350
Cash & Bank912111598417431430259163318
8531,4322,1492,8663,6274,4325,9616,9268,2588,835
Total Assets8741,5092,3543,6264,2585,1306,6127,4148,6659,539

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-253-386-456-324-238-406-757-176-230472
Cash from Investing2-18-30-15668-6211021-95-18
Cash from Financing3005207321,0643467261,045322641149
-13696375-74-1127-164-95155

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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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