Aptus Value Housing Finance India Ltd - Stock Valuation and Financial Performance

BSE: 543335 | NSE: APTUS | Finance - Housing | Small Cap

Aptus Value Housing Share Price

308.60 -0.10 -0.03%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on Aptus Value Housing

Overall Rating
Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

Aptus Value Housing Finance India stock performance -

mw4me loader
P/E Ratio (SA):
32.93
Market Cap:
15,406.8 Cr.
52-wk low:
235
52-wk high:
388.1

Is Aptus Value Housing Finance India Ltd an attractive stock to invest in?

1. Is Aptus Value Housing Finance India Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Aptus Value Housing Finance India Ltd is a average quality company.

2. Is Aptus Value Housing Finance India Ltd undervalued or overvalued?

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 Fair zone.

3. Is Aptus Value Housing Finance India Ltd a good buy now?

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.

10 Year X-Ray of Aptus Value Housing:

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 end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

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 some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)38.555.476.61211972984355356799291,053
YoY Gr. Rt. %-43.8%38.4%58.3%62.7%51.1%45.9%22.9%27%36.8%-
Adj EPS (₹ ) 0.30.30.60.91.72.63.84.66.28.59.4
YoY Gr. Rt. %-23.1%75%67.9%79.8%54.4%47.1%19.5%35.1%37.6%-
BVPS (₹ )3.76.36.813.314.817.435.339.855.662.367.7
YoY Gr. Rt. %-68.3%8.8%94.7%11.8%17.6%102.4%12.8%39.5%12.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.73.24.15.35.65.36.15.56.67.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income42.4%36.3%28.8%36.8%
Adj EPS47.4%38.2%30.5%37.6%
BVPS36.8%33.3%20.9%12.1%
Share Price - - - 28.4%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)16.317.722.930.433.734.441.740.845.445.744.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)7.26.98.610.11216.215.412.213.314.513.8

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 14.40%

Total Income has increased 28.77 CAGR in last 3 years

Net Profit has increased 30.48 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Aptus Value Housing Finance India Ltd.

Standalone Consolidated
TTM EPS (₹) 9.4 11.7
TTM Sales (₹ Cr.) 1,053 1,289
BVPS (₹.) 67.7 74.1
Reserves (₹ Cr.) 3,280 3,598
P/BV 4.56 4.17
PE 32.93 26.42
From the Market
52 Week Low / High (₹) 234.95 / 388.10
All Time Low / High (₹) 221.20 / 394.95
Market Cap (₹ Cr.) 15,407
Equity (₹ Cr.) 99.8
Face Value (₹) 2
Industry PE 8.7

Management X-Ray of Aptus Value Housing:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

Login/Register to view analysis.

Analyst's Notes

Key Ratios of Aptus Value Housing

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income405778126202314455552703963
Interest Income395577121197298435535679929
Other Income 121551620172434
Expenditure 31425270101174248273307415
Interest Expense 1824283652112170182180243
Operating Expenses 131723324761758293135
Provisions 111222383437
Exceptional Items 0000000000
Profit Before Tax 8152656101140207279396547
Taxes 259193437266188122
Profit After Tax 610183766103181218308425
Adjusted EPS (₹)0.30.30.60.91.72.63.84.66.28.5
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%47%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital911942125215846891,6701,8912,7663,111
Share Capital 496262797979959599100
Reserves 421321504425066101,5751,7962,6673,011
Minority Interest0000000000
Long Term Borrowings1361122403089111,6481,9382,3102,2783,451
Current Liabilities 38436346131719578750
Trade Payables1112320158
Short term borrowings00330910355010
Other Liabilities-1-1-4-5-3-12-10-36-55-18
Total Liabilities 2643495158741,5092,3543,6264,2585,1306,612

Assets

Non Current Asset 24432647382396189286348170172
Loan Asset 239316445778000000
Other Non Current Asset 510274596189286348170172
Current Asset 212342511,4132,1653,3413,9104,9606,440
Current Investment000135005310251
Other Current Asset212342511,3782,1653,3413,8574,8586,388
Total Assets 2643495158741,5092,3543,6264,2585,1306,612

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -86-74-120-303-466-606-533-488-676-1,129
Cash Flow From Investing Activity 250-72-18-30-15668-62110
Cash Flow From Financing Activity 55691353005207321,0643467261,045
Net Cash Flow -7-48-13696375-74-1127
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)1235813192369
DPS (₹)0000000004
BVPS (₹)1931346674871761995662

Performance Ratios

ROA (%)2.73.24.15.35.65.36.15.56.67.2
ROE (%)7.26.98.610.112.016.215.412.213.314.5
ROCE (%)11.313.213.113.913.713.813.212.212.613.5

Valuation Parameters

Price/Book(x)0.00.00.00.00.00.00.00.06.13.9

Aptus Value Housing Finance India Ltd Stock News

Aptus Value Housing Finance India Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Aptus Value Housing on 28-Mar-2024 16:01 is ₹308.6.
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 28-Mar-2024 16:01 the market cap of Aptus Value Housing stood at ₹15,406.8.
The latest P/E ratio of Aptus Value Housing as of 28-Mar-2024 16:01 is 32.93.
The latest P/B ratio of Aptus Value Housing as of 28-Mar-2024 16:01 is 4.56.
The 52-week high of Aptus Value Housing is ₹388.1 and the 52-week low is ₹234.9.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Aptus Value Housing is ₹1,053 ( Cr.) .

About Aptus Value Housing Finance India Ltd

Aptus Value Housing Finance 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). The company is registered with the National Housing Bank (NHB) to carry out the business of a housing finance institution without accepting public deposits. Its marquee shareholders include WestBridge Crossover Fund, LLC, Malabar India Fund Limited (an affiliate of Malabar Investments), SCI Investments VI (an affiliate of Sequoia Capital), Madison India Opportunities IV (Madison India Capital) and Steadview Capital Mauritius Limited (an affiliate of Steadview Capital Management). It has and expects to continue to benefit from strong capital sponsors hip and professional expertise of its marquee shareholders.

The company is an entirely retail focussed housing finance company primarily serving low- and middle-income self-employed customer in the rural and semi-urban markets of India. 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 has implemented a robust risk management architecture which is reflected in its asset quality. It conducts all aspects of its lending operations in-house including sourcing, underwriting, valuation and legal assessment of collateral and collections, which enables it to maintain direct contact with its customers, reduce turn-around-times and the risk of fraud. Over years, it has studied and developed credit assessment models specific to over 60 types of customer profiles. Some of its profiles are customized to regions and specific types of employment. It updates these profiles on a frequent basis for regional and local market specific developments and macro disruptions such as the COVID-19 pandemic. This has helped it to reduce subjectivity in forecasting the future income of potential customers, thus enabling robust credit underwriting. It has leveraged technology in various facets of its operations and has robust systems and processes to assist it with its underwriting and collections functions and to monitor asset quality. These systems and processes are also technology enabled with a view to ultimately digitize the entire life cycle of a loan from origination to closure. It has also implemented digitized collection models, which has led to an increase in its collection efficiencies.

Business area of the company

The company is a retail-focused housing finance company that primarily serves low and middle-income self-employed customers in the rural and semi-urban markets of India. The company offers home loans to retail customers to purchase homes, construct residential property, house improvement and extension, loans against property, and business loans. It undertakes all types of lending activities such as sourcing, underwriting, valuation, and legal assessment of collateral, the credit assessment, and collection.

Major events

  • 2010: Incorporation of the company and receipt of certificate of registration from NHB.
  • 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.
Read More Read Less
You have 2 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
© 2024 The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me ® is a registered trademark of The Alchemists Ark Pvt.Ltd.