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Aptus Value Housing Finance India Ltd (APTUS)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543335 NSE: APTUS Finance - Housing | Small Cap | Aptus Value Housing Share Price
₹206.35 4.65 (2.31%)
As on 04-Nov'26 16:59
Aptus Value Housing Finance India Ltd (APTUS)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543335 NSE: APTUS Finance - Housing | Small Cap | Aptus Value Housing Share Price
₹206.35 4.65 (2.31%)
As on 04-Nov'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹10,102 Cr.
Current Price
₹206.4
52-Week Low / High
₹190 / 309
TTM EPS
₹19.7
Book Value per Share
₹105.9
P/E Ratio
10.26
Lower than its 5-year historical median
Industry PE
11.5
Price to Book (P/B)
1.90
Lower than its 5-year historical median
EV/EBITDA
9.04
Lower than its 5-year historical median
Dividend Yield
2.18%
Profitability Efficiency
Return on Equity (ROE)
20.18%
Outperforms industry median
Return on Capital Employed (ROCE)
15.45%
Outperforms industry median
Return on Assets (ROA)
7.77%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
17.15%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
12.76%
Asset Quality
Gross NPA(%)
1.52%
Net NPA(%)
0.96%
TTM Sales
₹2,272 Cr.
Reserves
₹5,203 Cr.
Equity
₹100.2 Cr.
Face Value
₹2
All Time Low / High
₹190.35 / 401.70
Check Before You Invest
Quality
Very GoodValuation
UndervaluedCheck Valuation charts
Price Trend
Weak
Is Aptus Value Housing Finance India Ltd a good quality company?
Aptus Value Housing Finance India Ltd is a good quality company, based on a consistently good multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Aptus Value Housing Finance India Ltd performance compare with that of its Peers?
AUM Growth of Aptus Value Housing Finance India Ltd vs Industry Peers?
Aptus Value Housing Finance India Ltd AUM CAGR is 22.56%, compared to the 5-year industry median CAGR of 5.82%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Aptus Value Housing Finance India Ltd?
Promoters hold 23.86% of the Aptus Value Housing Finance India Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Aptus Value Housing Finance India Ltd over the last decade?
Over the last 5 years, the stock has delivered a CAGR of -10.02% based on the current price.
DeciZen - make an informed investing decision on Aptus Value Housing
Decision Maker
Consolidated basis
1. Right Stock
10 Year X-ray Pro
Long Term Prospect
2. Right Price
3. Right Time ⓘ
#Likely Future 5 Year CAGR.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Aptus Value Housing Finance India Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 121 | 197 | 298 | 435 | 535 | 679 | 929 | 1,088 | 1,294 | 1,485 | 1,547 | |
| YoY Gr. Rt. % | - | 62.7% | 51.1% | 45.9% | 22.9% | 27% | 36.8% | 17.1% | 19% | 14.7% | - | |
| Adj EPS (₹ ) | 0.9 | 1.7 | 2.6 | 3.8 | 4.6 | 6.2 | 8.5 | 9.6 | 11.5 | 13.8 | 14.6 | |
| YoY Gr. Rt. % | - | 79.8% | 54.4% | 47.1% | 19.5% | 35.1% | 37.6% | 12.9% | 19.5% | 20.2% | - | |
| BVPS (₹ ) | 13.3 | 14.8 | 17.4 | 35.3 | 39.8 | 55.6 | 62.3 | 68.1 | 75.4 | 85 | 88.8 | |
| YoY Gr. Rt. % | - | 11.8% | 17.6% | 102.4% | 12.8% | 39.5% | 12.1% | 9.4% | 10.6% | 12.8% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 5.3 | 5.6 | 5.3 | 6.1 | 5.5 | 6.6 | 7.2 | 6.9 | 7.2 | 7.6 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 32.1% | 22.7% | 16.9% | 14.7% | ||||
| Adj EPS | 34.8% | 24.7% | 17.5% | 20.2% | ||||
| BVPS | 22.9% | 16.4% | 10.9% | 12.8% | ||||
| Share Price | - | -9.9% | -11.1% | -30% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 30.4 | 33.7 | 34.4 | 41.7 | 40.8 | 45.4 | 45.7 | 44.2 | 44.5 | 46.7 | 47.2 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 10.1 | 12 | 16.2 | 15.4 | 12.2 | 13.3 | 14.5 | 14.8 | 16.1 | 17.3 | 16.4 | |
Valuation of Aptus Value Housing - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 126 | 204 | 337 | 524 | 658 | 840 | 1,134 | 1,412 | 1,799 | 2,245 |
| Exceptional Items ⓘ | 5 | 5 | 13 | 23 | 19 | 26 | 40 | 46 | 48 | 53 |
| Expenditure ⓘ + | 70 | 102 | 184 | 276 | 313 | 360 | 480 | 618 | 824 | 1,034 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 56 | 101 | 153 | 247 | 345 | 480 | 654 | 793 | 975 | 1,211 |
| Taxes ⓘ | 19 | 34 | 41 | 36 | 78 | 110 | 151 | 181 | 224 | 268 |
| Profit After Tax | 37 | 67 | 112 | 211 | 267 | 370 | 503 | 612 | 751 | 943 |
| Adjusted EPS (₹) | 1.0 | 1.7 | 2.8 | 4.5 | 5.6 | 7.5 | 10.1 | 12.3 | 15.0 | 18.8 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 39.60% | 36.70% | 29.90% | 23.90% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 521 | 585 | 698 | 1,709 | 1,979 | 2,916 | 3,339 | 3,768 | 4,317 | 5,060 |
| Short term borrowings | 3 | 0 | 9 | 10 | 35 | 65 | 50 | 1,256 | 1,969 | 2,092 |
| Long Term Borrowings | 308 | 926 | 1,608 | 2,000 | 2,682 | 2,642 | 3,723 | 3,920 | 4,884 | 5,815 |
| Current Liabilities | 46 | 13 | 24 | 25 | 58 | 103 | 94 | 1,291 | 2,021 | 2,173 |
| Trade Payables | 2 | 3 | 1 | 1 | 2 | 8 | 9 | 3 | 4 | 20 |
| Other Liabilities | -5 | -3 | -10 | -10 | -37 | -73 | -59 | -1,259 | -1,972 | -2,112 |
| Total Liabilities ⓘ | 875 | 1,524 | 2,331 | 3,734 | 4,719 | 5,661 | 7,157 | 8,979 | 11,221 | 13,048 |
Assets | ||||||||||
| Non Current Asset + | 816 | 71 | 17 | 13 | 228 | 18 | 18 | 8,623 | 10,852 | 12,073 |
| Current Asset + | 59 | 1,453 | 2,313 | 3,721 | 4,491 | 5,644 | 7,138 | 356 | 370 | 975 |
| Total Assets ⓘ | 875 | 1,524 | 2,331 | 3,734 | 4,719 | 5,661 | 7,157 | 8,979 | 11,221 | 13,048 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -303 | -495 | -713 | -735 | -621 | -724 | -1,047 | -1,356 | -1,405 | -489 |
| Cash Flow From Investing Activity ⓘ | 2 | 8 | 45 | -97 | 65 | -62 | 111 | 21 | -90 | -72 |
| Cash Flow From Financing Activity ⓘ | 300 | 534 | 763 | 1,209 | 495 | 768 | 978 | 1,224 | 1,461 | 822 |
| Net Cash Flow ⓘ | -1 | 47 | 95 | 377 | -61 | -18 | 42 | -111 | -34 | 261 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 4.70 | 8.50 | 14.20 | 22.30 | 28.10 | 7.50 | 10.10 | 12.30 | 15 | 18.80 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 4.50 | 4.50 | 4.50 |
| BVPS (₹) | 66.3 | 74.2 | 88.4 | 180.6 | 208.4 | 58.6 | 66.9 | 75.3 | 86.1 | 100.7 |
Performance Ratios | ||||||||||
| ROA (%) | 5.4 | 5.6 | 5.8 | 7.0 | 6.3 | 7.1 | 7.9 | 7.6 | 7.4 | 7.8 |
| ROE (%) | 10.2 | 12.1 | 17.4 | 17.6 | 14.5 | 15.1 | 16.1 | 17.3 | 18.6 | 20.2 |
| ROCE (%) | 14.0 | 13.7 | 14.5 | 14.4 | 13.4 | 13.6 | 14.6 | 14.7 | 15.1 | 15.5 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5.8 | 3.6 | 4.1 | 3.4 | 1.9 |
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
Annual reports
No annual reports available.
Concalls
No concalls available.
Aptus Value Housing Finance India Ltd FAQs
The current trading price of Aptus Value Housing on 04-Nov-2026 16:59 is ₹206.3.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 03-Nov-2026 the market cap of Aptus Value Housing stood at ₹10,101.8 Cr
The latest P/E ratio of Aptus Value Housing as of 03-Nov-2026 is 13.82.
The latest P/B ratio of Aptus Value Housing as of 03-Nov-2026 is 2.27.
The 52-week high of Aptus Value Housing is ₹308.9 and the 52-week low is ₹190.3.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Aptus Value Housing is ₹1,547 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Aptus Value Housing Finance India Ltd is a good quality company.
The key valuation ratios of Aptus Value Housing Finance India Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Aptus Value Housing Finance India Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
About Aptus Value Housing Finance India Ltd
Aptus Value Housing Finance India was incorporated in 2009 with a singular, enduring mission: to extend formal home loans to self-employed, low and middle income, first time homebuying families in India’s semi urban and rural heartland households that are structurally excluded from mainstream banking because their income is real but undocumented.
It is a housing finance company registered with the National Housing Bank and is classified as a Middle Layer Non-Banking Financial Company (NBFC) by the Reserve Bank of India. The company was listed on BSE and National Stock Exchange of India on August 24, 2021.
The company offers customers home loans for the purchase and self-construction of residential property, home improvement and extension loans; loans against property; and business loans. The company has diversified its geographical presence by adopting a strategy of contiguous expansion across regions and focused on achieving deeper penetration in its existing markets.
The company was founded by one of its Promoter, Chairman and Managing Director, M. Anandan, and it commenced its operations pursuant to a certificate for commencement of business, dated June 25, 2010, issued by the Registrar of Companies, Tamil Nadu at Chennai (then known as Registrar of Companies, Tamil Nadu, Chennai, Andaman and Nicobar Islands).
Business area of the company
The company is carrying on the business of providing long term housing finance to meet the housing needs of the low and middle-income segment in the country. The company is also engaged in providing loans for non-housing finance activities in the form of Loan Against Properties (LAP).
Products
- Home Loans
- Loan Against Property (LAP)
- Insurance
Milestones
- 2009: Incorporation of the company
- 2010: The company received the certificate of registration from the NHB on May 31, 2010.
- 2011: Opened first branch.
- 2012: Opened 20th branch and crossed 1,200 home loan disbursements.
- 2013: Loan book crossed Rs 900 million.
- 2014: Loan book crossed Rs 2,500 million.
- 2015: Expanded geographical presence to four states and loan book crossed Rs 7,000 million.
- 2018: Opened 100th branch and loan book crossed Rs 14,000 million.
- 2019: Expanded geographical presence to 143 locations and loan book crossed Rs 20,000 million.
- 2020: Expanded geographical presence to 175 locations, customer base reached 50,200 and loan book crossed Rs 30,000 million.
- 2021: Expanded geographical presence to 191 locations, customer base reached 65,683 and loan book crossed Rs 40,000 million.
- 2021: Listed on BSE and NSE.
- 2025: Crossed Rs 10,000 crore AUM.
- 2025: 300th branch opened.
- 2026: AUM Rs 13,107 crore (26% CAGR FY21-FY26).
- 2026: 339 branches across 6 states & 1 UT.
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