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Aptus Value Housing Finance India

APTUS NSE
₹206.28 +4.57 (+2.27%)
P/E
10.49
View as Markdown
MCP
Close 4 Nov 2026 ₹206.28 −88.57 −30.0% 1Y
Start ₹294.85

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
1.56
EPS (TTM)
₹19.67
Book Value
₹100.68
Market Cap
—
P/E (TTM)
10.49
P/B
2.05
ROE
20.10%
Dividend Yield
2.23%
52W High
₹309.00
52W Low
₹190.10
Day Range
₹200.78 – ₹208.40
Volume
15,28,249
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Housing Finance › Housing Finance Company

Aptus Value Housing Finance peer comparison
Bajaj Housing Finance
₹81.4225.21₹65,542 Cr2.820.00%12.10%—₹11,604 Cr₹2,692 Cr
Piramal Finance
₹1,946.20—₹45,625 Cr1.490.58%0.86%6.47%₹13,357 Cr₹1,909 Cr
LIC Housing Finance
₹520.004.98₹28,072 Cr0.651.98%14.40%—₹28,562 Cr₹5,739 Cr
PNB Housing Finance
₹1,082.0011.99₹28,029 Cr1.390.75%12.90%—₹8,700 Cr₹2,350 Cr
Aadhar Housing Finance
₹431.2016.44₹18,689 Cr2.520.00%15.90%—₹3,817 Cr₹1,140 Cr
Sammaan Capital
₹125.98—₹14,065 Cr0.821.67%−3.21%—₹7,418 Cr−₹7,236 Cr
Home First Finance Company
₹1,082.3019.38₹11,147 Cr2.430.49%15.70%—₹1,999 Cr₹581 Cr
Aptus Value Housing Finance (this company)
₹206.2810.49₹10,229 Cr2.052.23%20.10%—₹2,272 Cr₹985 Cr
Median 8 companies₹475.6014.22₹23,359 Cr1.770.67%13.65%6.47%₹8,059 Cr₹1,525 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

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

Overall score

50 Average

Data confidence 94/100

Category scores

Quality
45
Average
Returns, margins, earnings quality 22% weight
Valuation
67
Strong
Cheap vs sector & own history 24% weight
Growth
69
Strong
Sales & profit trajectory 9% weight
Financial Health
53
Average
Solvency, leverage, coverage 9% weight
Momentum
4
Poor
Trend strength, vol-adjusted 12% weight
Ownership
46
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

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%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1054
OscillatorsNeutral252
Moving AveragesStrong Bearish802

Key readings

RSI (14)
42.86
Neutral
MACD (12,26,9)
−9.38
Bullish
SMA (50)
231.22
Bearish
SMA (200)
250.38
Bearish

As of

Analyst Rating

Based on 18 analysts
BUY94%

17 of 18 analysts rate Buy, 0 Hold, 1 Sell.

As of

BUY
17
94%
HOLD
0
0%
SELL
1
6%

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
5Y+27.92%
3Y+26.11%
1Y+25.26%
TTM+21.17%

Net profit

Net profit growth by window
5Y+28.71%
3Y+23.31%
1Y+25.57%
TTM+23.43%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹126 Cr
Mar 2018₹201 Cr
Mar 2019₹325 Cr
Mar 2020₹500 Cr
Mar 2021₹640 Cr
Mar 2022₹815 Cr
Mar 2023₹1,093 Cr
Mar 2024₹1,365 Cr
Mar 2025₹1,750 Cr
Mar 2026₹2,192 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹37.00 Cr
Mar 2018₹67.00 Cr
Mar 2019₹112 Cr
Mar 2020₹211 Cr
Mar 2021₹267 Cr
Mar 2022₹370 Cr
Mar 2023₹503 Cr
Mar 2024₹612 Cr
Mar 2025₹751 Cr
Mar 2026₹943 Cr

Analyst Forecasts

Forecast For
Sep 26 consensus · EPS
₹5.32 +2.0% vs Jun 26
Reported High Mean Low

AI Analysis — Bull vs Bear

Generated 13 Aug 2026
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 7
  • 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
  • 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 6
  • 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

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

AI News Digest

80d ago

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 the measure. There are no visible headwinds in recent news flow. The improving debt-equity ratio and consistent double-digit profit growth suggest the trend is firmly positive heading into FY27.

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 profits 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.

Quarterly Results

₹ Cr
APTUS quarterly results, ₹ crore
Particulars 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
9.23
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 (₹)
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%
1.7%
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%
1.29%

Profit & Loss

₹ Cr
APTUS profit and loss, annual, ₹ crore
Particulars 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
541
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 (₹)
0.95
1.7
2.84
4.55
5.75
7.45
10.1
12.26
15.03
18.83
19.67
Div. Payout %
0%
0%
0%
0%
0%
0%
20%
37%
30%
24%
—

Balance Sheet

₹ Cr
APTUS balance sheet, annual, ₹ crore
Particulars 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

Cash Flow

₹ Cr
APTUS cash flow, annual, ₹ crore
Particulars 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

Ratios

APTUS financial ratios, annual
Particulars Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
7%
12%
17%
18%
14%
15%
16%
17%
19%
20%

Insights

Beta

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

Log in to view Aptus Value Housing Finance insights

51 extracted metrics across FY17–FY27.

Shareholding Pattern

As of Sep 2026

  • FIIs 30.54%
  • DIIs 27.82%
  • Promoters 23.86%
  • Public 11.72%
  • Others 6.05%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about Aptus Value Housing Finance India

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.
Where is Aptus Value Housing Finance India Ltd (APTUS) listed?
Aptus Value Housing Finance India Ltd trades as APTUS on the NSE and under code 543335 on the BSE.
Which sector does Aptus Value Housing Finance India Ltd belong to?
Aptus Value Housing Finance India Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the PE ratio of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd trades at a PE ratio of 10.49 as of 4 Nov 2026, on earnings per share of ₹19.67, against a book value of ₹100.68 per share.
What is the 52-week high and low of Aptus Value Housing Finance India Ltd?
Over the last 52 weeks Aptus Value Housing Finance India Ltd has traded between ₹190.1 and ₹309 as of 4 Nov 2026.
Does Aptus Value Housing Finance India Ltd pay dividends?
Aptus Value Housing Finance India Ltd has a dividend yield of 2.23%.
What is the Return on Equity (ROE) of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd reported a return on equity of 20.10%. Its debt-to-equity ratio is 1.56.

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 24 Aug 2021
Face Value ₹2

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