Aptus Value Housing Finance India Limited (APTUS)

Loading page…

Aptus Value Housing Finance India Limited (APTUS) · mywealthgrid

About

Aptus Value Housing Finance India Limited operates as a housing finance company in India's financial services sector. With a market capitalization of ₹12,545 Cr and recent quarterly consolidated revenues of ₹544–600 Cr, the company focuses on the housing credit market. Net profit margins of 80–87% demonstrate strong profitability in the business.

Face value: ₹2

Market cap

₹11,338 Cr

P/E

11.5×

P/B

2.2×

Dividend yield

3.1%

ROE

20.1%

ROCE

—

Debt / equity

1.56

OPM

83.4%

EPS (TTM)

₹19.7

Book value

₹101.0

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

D/E ratio of 1.56 is moderate-to-high leverage for a financial services company; verify debt serviceability and regulatory capital requirements
1-year shareholder return of −26.26% against 52-week high of ₹359.4 signals material underperformance; verify whether driven by sector headwinds, repricing of credit risk, or company-specific issues
Operating margin of 83.41% is unusually high for housing finance; verify whether driven by accounting treatment, business mix, or exceptional operational efficiency
Housing finance inherently carries credit risk; verify non-performing loan ratios, coverage reserves, and borrower payment capacity

Generated analysis · source review pending

Growth drivers

ROE of 20.11% drives earnings growth if loan portfolio expands while maintaining returns; verify loan book growth trajectory and funding cost trends
Quarterly consolidated revenue declined from ₹600.29 Cr (Jun 2026) to ₹568.53 Cr (Dec 2025); verify if housing credit demand is stabilizing or contracting further
Low PE multiple of 12.74 provides room for valuation expansion; verify path to earnings growth through loan book expansion, margin sustainability, or cost efficiency
Consistent dividend payouts across 2024–2026 indicate stable earnings and retained capital; verify how retained earnings deploy to fund loan book growth

Generated analysis · source review pending

1,259 historical price candles were omitted because the exchange source has not been verified.

₹226.4-3%1Y

Quick read

rule-based

Pros

+Strong return on equity of 18.6% (3-yr avg)
+Healthy operating margin of 83.4%
+Profit CAGR of 23.3% over the last 3 years
+Revenue CAGR of 27.1% over the last 3 years
+Dividend yield of 3.1%
+Dividend payout of 35.6% of profit

Cons

−Heavily leveraged (debt/equity 1.6)
−Low promoter holding of 23.9%
−Promoter holding fell 16.5 pts over the last year

Research score

Structured signal from quality, growth, valuation and momentum.

72/100

Business quality: 49
Growth

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Part ofNIFTY SMALLCAP 250 NIFTY MIDSMALLCAP 400 NIFTY 500 NIFTY TOTAL MARKET

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Bajaj Housing Finance LimitedBAJAJHFLBAJAJHFL	₹69,083 Cr	₹1,72,787 Cr	₹11,606 Cr	₹10,596 Cr	90.9%	₹2,692 Cr	23%	—	12.1%	—
Pnb Housing Finance LimitedPNBHOUSINGPNBHOUSING	₹28,458 Cr	₹99,656 Cr	₹8,692 Cr	₹8,177 Cr	94.5%	₹2,315 Cr	26.9%	—	12.7%	—
Lic Housing Finance LimitedLICHSGFINLICHSGFIN	₹28,000 Cr	₹3,05,356 Cr	₹28,683 Cr	₹27,081 Cr	93.6%	₹5,739 Cr	19.4%	—	14.4%	—
Aadhar Housing Finance LimitedAADHARHFCAADHARHFC	₹19,609 Cr	₹38,352 Cr	₹3,817 Cr	₹2,908 Cr	76.4%	₹1,141 Cr	29.8%	—	15.8%	—
Sammaan Capital LimitedSAMMAANCAPSAMMAANCAP	₹15,388 Cr	₹66,991 Cr	₹7,418 Cr	₹3,373 Cr	41.6%	₹-7,236 Cr	-87.5%	—	-35%	—
Home First Finance Company India LimitedHOMEFIRSTHOMEFIRST	₹11,764 Cr	₹22,354 Cr	₹1,999 Cr	₹1,571 Cr	78.9%	₹581 Cr	28.2%	—	15.7%	—
Aptus Value Housing Finance India LimitedAPTUSAPTUS	₹11,338 Cr	₹19,212 Cr	₹2,306 Cr	₹1,906 Cr	83.4%	₹985 Cr	42%	—	20.1%	—
Can Fin Homes LimitedCANFINHOMECANFINHOME	₹9,471 Cr	₹47,728 Cr	₹4,292 Cr	₹3,953 Cr	92.1%	₹1,130 Cr	25.8%	—	19.7%	—
Aavas Financiers LimitedAAVASAAVAS	₹9,444 Cr	₹21,780 Cr	₹2,018 Cr	₹1,484 Cr	73.5%	₹491 Cr	24.3%	—	13.9%	—
India Shelter Finance Corporation LimitedINDIASHLTRINDIASHLTR	₹7,031 Cr	₹13,277 Cr	₹1,528 Cr	₹1,110 Cr	72.6%	₹503 Cr	32.9%	—	17%	—
Repco Home Finance LimitedREPCOHOMEREPCOHOME	₹2,114 Cr	₹14,320 Cr	₹1,819 Cr	₹1,612 Cr	89.3%	₹482 Cr	26.5%	—	12.7%	—
Gic Housing Finance LimitedGICHSGFINGICHSGFIN	₹716 Cr	₹9,767 Cr	₹1,084 Cr	₹895 Cr	79.1%	₹157 Cr	14.3%	—	7.6%	—

Loading peers…

Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Consolidated Standalone

Consolidated figures · ₹ crore

₹ Cr	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	815	1,093	1,365	1,750	2,245
Interest	209	276	388	541	648
Expenses	145	192	227	271	373
Financing profit	461	625	751	939	1,224
Financing margin %	56.6%	57.2%	55%	53.6%	54.5%
Other income	26	36	52	48	0
Depreciation	7	7	9	12	13
Profit before tax	480	654	793	975	1,211
Tax	110	151	181	224	268
Tax %	22.9%	23.1%	22.9%	22.9%	22.1%
PAT	370	503	612	751	943
EPS (₹)	7.6	10.1	12.3	15	18.8
EPS adjusted (₹)	7.5	10.1	12.3	15	18.8
	0%	19.8%	32.6%	29.9%	—
Annual report	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	Annual report for Mar 2026

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	95	95	99	100	100	100	100
Reserves	1,615	1,885	2,817	3,240	3,668	4,217	4,960
	2,015	2,508	2,721	3,786	—	6,847	7,874
	23	33	47	51	5,236	80	114
Total equity & liabilities	3,747	4,520	5,684	7,176	9,004	11,243	13,048
	4	3	4	4	5	9	9
CWIP	—	—	—	—	—	0	0
Investments	53	53	102	51	—	53	240
	3,690	4,465	5,578	7,121	8,999	11,182	12,798
Total assets	3,747	4,520	5,684	7,176	9,004	11,243	13,048

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-735	-621	-724	-1,047	-1,356	-1,405	-592
	-97	65	-62	36	21	13	-72
	1,209	495	768	978	1,224	1,461	822
Net cash flow	377	-61	-18	-33	-111	70	158
Free cash flow	—	—	-727	-1,050	-1,361	-1,412	-599
CFO / Operating profit %	—	—	-108%	-116.2%	-119.1%	-95%	-31.6%

Loading financials…

Ratios

Annual operating, return, leverage and working-capital ratios.

Consolidated Standalone

Consolidated figures

Ratio	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
Gross margin %	—	—	—	—	—
EBITDA margin %	82.2%	82.4%	83.4%	84.5%	83.4%
EBIT margin %	81.4%	81.8%	82.7%	83.8%	82.8%
PAT margin %	45.4%	46%	44.8%	42.9%	42%
Working capital
Receivable days	—	—	—	—	—
Inventory days	—	0	0	0	0
Payable days	—	—	—	—	—
NWC days	—	—	—	—	—
Leverage
Current ratio	—	—	—	—	—
Debt to EBITDA	4.06	4.2	—	4.63	4.2
Debt to equity	0.93	1.13	—	1.59	1.56
Interest coverage	3.3	3.4	3	2.8	2.9
Asset turnover	0.14	0.15	0.15	0.16	0.17
Return ratios
Return on assets %	6.5%	7%	6.8%	6.7%	7.2%
Return on capital employed %	—	—	—	—	—
Return on equity %	12.7%	15.1%	16.2%	17.4%	18.6%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

Loading ratios…

Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	62.12%	62.09%	61.09%	54.08%	53.91%	52.98%	52.98%	40.37%	23.87%	23.87%	23.87%	23.86%
	14.83%	15.42%	19.58%	22.81%	22.46%	21.87%	27.74%	30.4%	35.35%	33.2%	30.34%	29.95%
	2.78%	5.21%	5.1%	9.15%	9.48%	9.68%	9.88%	16.04%	25.88%	27.29%	29.44%	29.91%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	20.27%	17.28%	14.23%	13.96%	14.15%	15.47%	9.4%	13.19%	14.9%	15.64%	16.35%	16.28%
No. of shareholders	—	—	—	—	—	—	—	—	1,60,741	1,66,729	1,66,229	1,66,122

Promoter holding down 38.26 percentage points since Sep 2023.

81 deals · 16 Sept 2022 – 13 Oct 2025

Date	Client	Type	Venue	Side	Quantity	Price	Value
13 Oct 2025	BNP PARIBAS FINANCIAL MARKETS	Block	BSE	Buy	3,34,974	₹315.25	₹10.56 Cr
13 Oct 2025	MORGAN STANLEY ASIA (SINGAPORE) PTE.	Block	BSE	Sell	3,34,974	₹315.25	₹10.56 Cr
10 Oct 2025	WF ASIAN SMALLER COMPANIES FUND LIMITED	Block	NSE	Buy	1,92,96,160	₹309.50	₹597.22 Cr
10 Oct 2025	WF ASIAN RECONNAISSANCE FUND LIMITED	Block	NSE	Sell	1,92,96,160	₹309.50	₹597.22 Cr
10 Oct 2025	WF ASIAN SMALLER COMPANIES FUND LIMITED	Bulk	NSE	Buy	1,92,96,160	₹309.50	₹597.22 Cr
10 Oct 2025	WF ASIAN RECONNAISSANCE FUND LIMITED	Bulk	NSE	Sell	1,92,96,160	₹309.50	₹597.22 Cr
4 Sept 2025	WESTBRIDGE CROSSOVER FUND LLC	Bulk	NSE	Sell	6,09,98,550	₹328.85	₹2,005.94 Cr
4 Sept 2025	WESTBRIDGE CROSSOVER FUND LLC	Block	NSE	Sell	6,09,98,550	₹328.85	₹2,005.94 Cr
4 Sept 2025	WESTBRIDGE CROSSOVER FUND LLC	Bulk	NSE	Sell	1,99,12,764	₹329.42	₹655.97 Cr
4 Sept 2025	KOTAK MAHINDRA MUTUAL FUND	Bulk	NSE	Buy	1,76,38,373	₹328.85	₹580.04 Cr

1–10 of 81

1 / 9

Mr. MUNUSWAMY ANANDANExecutive Director-Chairperson
Mr. John Vijayan RayappaChief Risk Officer
Mr. P BALAJIExecutive Director-MD
Ms. MONA KACHHWAHANon-Executive - Independent Director-Shareholder Director
Mr. ANAND RAGHAVANNon-Executive - Independent Director-Shareholder Director
Mr. NATARAJAN RAMASUBRAMANIANNon-Executive - Independent Director-Shareholder Director
Mr. N V SUBBA RAONon-Executive - Independent Director-Shareholder Director
Mr. MUKUL MATHURNon-Executive - Independent Director-Shareholder Director
Mr. Sanjay MittalChief Financial Officer
Sanin PanickerCompany Secretary & Compliance Officer

Current officeholders as filed with BSE. A person holding two offices is listed once per office.

Loading shareholding…

F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

Loading f&o…

Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

across 10 fund houses

Held by these funds

17.63%

of the company's equity

All mutual funds

24.5%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

48 schemes · 10 fund houses

		Shares
Smallcap Fund	SBI Mutual Fund	1.95 Cr	486.07	1.14%	3.9%	-0
Portfolio of Kotak Small Cap Fund	Kotak Mahindra Mutual Fund	1.13 Cr	281.93	1.43%	2.262%	-0
MultiCap Fund	SBI Mutual Fund	1.07 Cr	265.65	1.08%	2.132%	-0
Banking And Financial Services Fund	SBI Mutual Fund	74.36 L	185.04	1.7%	1.485%	-0
Flexicap Fund	SBI Mutual Fund	70.67 L	175.86	0.76%	1.411%	-0
Banking & Financial Services Fund	ICICI Prudential Mutual Fund	58.78 L	146.27	1.29%	1.174%	-0
Small Cap Fund	Axis Mutual Fund	56.04 L	139.45	0.44%	1.119%	-0
BANKING & FINANCIAL SERVICES FUND	Nippon India Mutual Fund	34.09 L	84.84	1.07%	0.681%	-0

1–8 of 48

1 / 6

Loading fund holders…

Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

Loading documents…

Events

Upcoming dates and the company’s corporate-action history.

8

Interim dividend15 May 2026 · ex-date₹2.5
Interim dividend7 Nov 2025 · ex-date₹2
Interim dividend16 May 2025 · ex-date₹2.5
Interim dividend14 Nov 2024 · ex-date₹2
Interim dividend15 May 2024 · ex-date₹2.5
Interim dividend9 Feb 2024 · ex-date₹2
Interim dividend12 May 2023 · ex-date₹2
Interim dividend8 Dec 2022 · ex-date₹2

1

Board meeting to consider results31 Jul 2026

Loading events…

Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

22 announcementsExport CSV

1 Aug 2026, 1:35 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

Analyst / Investor Meet PDF

Loading announcements…

Ratio	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
Gross margin %	—	—	—	—	—
EBITDA margin %	82.2%	82.4%	83.4%	84.5%	83.4%
EBIT margin %	81.4%	81.8%	82.7%	83.8%	82.8%
PAT margin %	45.4%	46%	44.8%	42.9%	42%
Working capital
Receivable days	—	—	—	—	—
Inventory days	—	0	0	0	0
Payable days	—	—	—	—	—
NWC days	—	—	—	—	—
Leverage
Current ratio	—	—	—	—	—
Debt to EBITDA	4.06	4.2	—	4.63	4.2
Debt to equity	0.93	1.13	—	1.59	1.56
Interest coverage	3.3	3.4	3	2.8	2.9
Asset turnover	0.14	0.15	0.15	0.16	0.17
Return ratios
Return on assets %	6.5%	7%	6.8%	6.7%	7.2%
Return on capital employed %	—	—	—	—	—
Return on equity %	12.7%	15.1%	16.2%	17.4%	18.6%

Date	Category	Subject	Filing
1 Aug 2026, 1:35 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome	PDF
31 Jul 2026, 5:33 pm	Company Update Allotment of ESOP / ESPS	Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS	PDF
31 Jul 2026, 1:44 pm	Others Reg. 54 - Asset Cover details	Compliances-Reg. 54 - Asset Cover details	PDF
31 Jul 2026, 1:42 pm	Company Update Investor Presentation	Announcement under Regulation 30 (LODR)-Investor Presentation	PDF
31 Jul 2026, 1:40 pm	Company Update Press Release / Media Release	Announcement under Regulation 30 (LODR)-Press Release / Media Release	PDF
31 Jul 2026, 1:37 pm	Result Financial Results	Unaudited Quarterly Financial Results Ended As On July 31, 2026	PDF
31 Jul 2026, 1:24 pm	Board Meeting Outcome of Board Meeting	Board Meeting Outcome For Outcome Of The Board Meeting Held On 31St July 2026	PDF
15 Jul 2026, 3:41 pm	Company Update Newspaper Publication	Announcement under Regulation 30 (LODR)-Newspaper Publication	PDF

Aptus Value Housing Finance India Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Events

8

1

Announcements

8

1

Not in the F&O segment

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Compounded sales growth

Compounded profit growth

Return on equity

Aptus Value Housing Finance India Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Ratios

Ratio timeline

Shareholding

Quarterly record

Bulk & block deals

Board and management

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Events

Dividends8

Board meetings1

Announcements

Dividends8

Board meetings1

Ratio timeline

Not in the F&O segment

Quarterly record

Bulk & block deals

Board and management

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

8

1

8

1