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Aptus Value Housing

₹287.9 -0.2 | 0.1%

Market Cap ₹14414 Cr.

Stock P/E 19.2

P/B 3.1

Current Price ₹287.9

Book Value ₹ 93

Face Value 2

52W High ₹364.9

Dividend Yield 1.56%

52W Low ₹ 267.8

Aptus Value Housing Research see more...

Overview Inc. Year: 2009Industry: Finance - Housing

Aptus Value Housing Finance India Ltd operates as a home loan organization in India. It offers home production, purchase, maintenance, and extension loans; loans towards assets for construction and buy; and credit shield and property insurance for self-hired lower- and middle-income customers from semi urban city and rural markets. The enterprise also affords finance in the form of mortgage in opposition to immovable properties. As of March 31, 2021, it operated thru a network of a 190 branches. The company was incorporated in 2009 and is established in Chennai, India.

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Aptus Value Housing Share Price

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Aptus Value Housing Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Operating Revenue 306 334 351 375 395 421 450 484 520 544
Other Income 10 12 11 13 10 13 15 15 10 10
Total Income 315 346 363 387 405 434 465 499 530 554
Total Expenditure 45 57 57 61 61 67 73 75 81 91
Operating Profit 270 288 306 326 344 368 392 424 449 462
Interest Expense 85 96 98 109 120 128 143 150 160 165
Depreciation 2 3 2 2 3 3 3 3 3 3
Profit Before Tax 183 190 205 215 222 237 246 271 286 294
Provision for Tax 41 42 48 51 50 55 55 64 66 68
Profit After Tax 142 148 158 164 172 182 191 207 219 227
Adjustments 0 0 0 0 0 -0 0 0 0 0
Profit After Adjustments 142 148 158 164 172 182 191 207 219 227
Adjusted Earnings Per Share 2.9 3 3.2 3.3 3.4 3.6 3.8 4.1 4.4 4.5

Aptus Value Housing Profit & Loss

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 77 121 198 324 500 640 815 1093 1365 1750 1998
Other Income 2 5 5 13 23 19 26 40 44 48 50
Total Income 78 126 204 337 524 658 840 1134 1409 1798 2048
Total Expenditure 23 32 47 63 86 101 144 196 218 270 320
Operating Profit 55 94 157 275 438 558 696 938 1191 1528 1727
Interest Expense 28 36 53 116 185 207 209 277 389 542 618
Depreciation 1 2 2 5 6 6 7 7 9 12 12
Profit Before Tax 26 56 101 153 247 345 480 654 793 975 1097
Provision for Tax 9 19 34 41 36 78 110 151 181 224 253
Profit After Tax 18 37 67 112 211 267 370 503 612 751 844
Adjustments -0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 18 37 67 112 211 267 370 503 612 751 844
Adjusted Earnings Per Share 0.6 0.9 1.7 2.8 4.5 5.6 7.4 10.1 12.3 15 16.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 28% 29% 28% 0%
Operating Profit CAGR 28% 30% 28% 0%
PAT CAGR 23% 27% 29% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -13% -4% NA% NA%
ROE Average 19% 17% 16% 15%
ROCE Average 15% 15% 14% 14%

Aptus Value Housing Balance Sheet

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 212 521 585 698 1709 1979 2916 3339 3768 4317
Minority's Interest 0 0 0 0 0 0 0 0 0 0
Borrowings 221 268 840 1590 2005 2473 2656 3736 3929 4878
Current Liability 63 46 13 24 25 58 103 94 1291 2021
Other Liabilities & Provisions 19 39 86 18 -6 209 -14 -13 -9 6
Total Liabilities 515 875 1524 2331 3734 4719 5661 7157 8979 11221
Loans 445 778 0 0 0 0 0 0 8528 10630
Investments 0 0 0 0 0 0 0 0 51 53
Fixed Assets 2 5 4 10 10 10 12 15 22 35
Other Loans 16 31 61 7 2 219 6 3 8 13
Other Non Current Assets 2 2 6 0 0 0 0 0 14 121
Current Assets 49 59 1453 2313 3721 4491 5642 7136 350 338
Total Assets 515 875 1524 2331 3734 4719 5661 7157 8979 11221

Aptus Value Housing Cash Flow

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 3 18 10 12 107 484 423 405 447 336
Cash Flow from Operating Activities -120 -303 -495 -713 -735 -621 -724 -1047 -1356 -1405
Cash Flow from Investing Activities -7 2 8 45 -97 65 -62 111 21 -90
Cash Flow from Financing Activities 135 300 534 763 1209 495 768 978 1224 1461
Net Cash Inflow / Outflow 8 -1 47 95 377 -61 -18 42 -111 -34
Closing Cash & Cash Equivalent 11 17 57 107 484 423 405 447 336 303

Aptus Value Housing Ratios

# Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 0.56 0.95 1.7 2.83 4.47 5.62 7.45 10.1 12.26 15.03
CEPS(Rs) 0.6 0.99 1.76 2.97 4.59 5.74 7.58 10.24 12.45 15.27
DPS(Rs) 0 0 0 0 0 0 0 4 4.5 4.5
Book NAV/Share(Rs) 6.81 13.26 14.85 17.68 36.13 41.69 58.6 66.89 75.34 86.1
Net Profit Margin 22.91 30.67 33.64 34.45 42.17 41.74 45.43 46.01 44.82 42.92
Operating Margin 70.47 75.95 77.74 83.1 86.36 86.3 84.61 85.1 86.59 86.63
PBT Margin 34.26 46.33 51.03 47.18 49.43 53.96 58.92 59.79 58.1 55.69
ROA(%) 3.41 5.35 5.56 5.79 6.96 6.32 7.13 7.85 7.58 7.44
ROE(%) 8.27 10.15 12.08 17.44 17.56 14.48 15.14 16.11 17.26 18.64
ROCE(%) 11.03 14 13.7 14.46 14.35 13.44 13.62 14.58 14.7 15.08
Price/Earnings(x) 0 0 0 0 0 0 45.65 24.1 25.18 19.63
Price/Book(x) 0 0 0 0 0 0 5.8 3.64 4.1 3.43
Dividend Yield(%) 0 0 0 0 0 0 0 1.64 1.46 1.52
EV/Net Sales(x) 4.2 3.03 4.56 4.84 3.01 3.39 23.53 14.13 14.84 12.17
EV/Core EBITDA(x) 5.85 3.92 5.78 5.71 3.44 3.88 27.55 16.47 17 13.93
Interest Earned Growth(%) 0 58.32 63.57 63.28 54.49 27.83 27.38 34.21 24.86 28.22
Net Profit Growth 0 111.99 79.4 67.19 89.15 26.51 38.66 35.9 21.65 22.77
EPS Growth(%) 0 67.96 79.4 66.73 57.67 25.95 32.45 35.6 21.43 22.55
Interest Coverage(x) % 1.95 2.56 2.91 2.31 2.34 2.67 3.29 3.36 3.04 2.8

Aptus Value Housing Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 62.2 62.12 62.09 61.09 53.97 53.91 52.98 52.98 40.37 23.87
FII 14.15 14.83 15.42 19.58 22.81 22.46 21.87 27.74 30.4 35.35
DII 2.97 2.78 5.21 5.1 9.15 9.48 9.68 9.88 16.04 25.87
Public 20.68 20.26 17.28 14.23 14.07 14.16 15.46 9.39 13.19 14.9
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 28% CAGR over last 5 years

Cons

  • Promoter holding is low: 23.87%.
  • Stock is trading at 3.1 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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