Aptus Value Housing

₹321 7.6 | 2.4%

WEBSITE BSE:543335 NSE : APTUS 10 May, 16:01

Market Cap ₹16015 Cr.

Stock P/E 26.2

P/B 4.3

Current Price ₹321

Book Value ₹ 75.5

Face Value 2

52W High ₹388.1

Dividend Yield 1.4%

52W Low ₹ 239.5

Edit Ratio

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.

Aptus Value Housing Share Price

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Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

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Peer Comparison

Aptus Value Housing Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	210	225	240	268	286	299	306	334	351	375
Other Income	6	9	8	9	9	12	9	11	11	17
Total Income	216	234	249	277	295	311	315	344	363	391
Total Expenditure	35	39	41	51	47	55	45	56	57	65
Operating Profit	181	196	208	226	247	256	270	288	306	326
Interest Expense	49	49	54	67	77	78	85	96	98	109
Depreciation	1	2	2	2	2	2	2	3	2	2
Profit Before Tax	131	144	152	157	168	176	183	190	205	215
Provision for Tax	30	34	33	33	43	41	41	42	48	51
Profit After Tax	101	110	119	123	126	135	142	148	158	164
Adjustments	0	0	-0	0	0	-0	0	0	0	0
Profit After Adjustments	101	110	119	123	126	135	142	148	158	164
Adjusted Earnings Per Share	2	2.2	2.4	2.5	2.5	2.7	2.9	3	3.2	3.3

Aptus Value Housing Profit & Loss

#(Fig in Cr.)	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	77	121	198	324	500	640	815	1093	1366
Other Income	2	5	5	13	23	19	26	38	48
Total Income	78	126	204	337	524	658	840	1132	1413
Total Expenditure	23	32	47	63	86	101	144	194	223
Operating Profit	55	94	157	275	438	558	696	938	1190
Interest Expense	28	36	53	116	185	207	209	277	388
Depreciation	1	2	2	5	6	6	7	7	9
Profit Before Tax	26	56	101	153	247	345	480	654	793
Provision for Tax	9	19	34	41	36	78	110	151	182
Profit After Tax	18	37	67	112	211	267	370	503	612
Adjustments	-0	0	0	0	0	0	0	0	0
Profit After Adjustments	18	37	67	112	211	267	370	503	612
Adjusted Earnings Per Share	0.6	0.9	1.7	2.8	4.5	5.6	7.4	10.1	12.4

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	34%	30%	41%	0%
Operating Profit CAGR	35%	29%	43%	0%
PAT CAGR	36%	34%	50%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	24%	NA%	NA%	NA%
ROE Average	16%	15%	16%	14%
ROCE Average	15%	14%	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
Shareholder's Funds	212	521	585	698	1709	1979	2916	3339
Minority's Interest	0	0	0	0	0	0	0	0
Borrowings	221	268	840	1590	2005	2473	2656	3736
Current Liability	63	46	13	24	25	58	103	94
Other Liabilities & Provisions	19	39	86	18	-6	209	-14	-13
Total Liabilities	515	875	1524	2331	3734	4719	5661	7157
Loans	445	778	0	0	0	0	0	0
Investments	0	0	0	0	0	0	0	0
Fixed Assets	2	5	4	10	10	10	12	15
Other Loans	16	31	61	7	2	219	6	3
Other Non Current Assets	2	2	6	0	0	0	0	0
Current Assets	49	59	1453	2313	3721	4491	5642	7136
Total Assets	515	875	1524	2331	3734	4719	5661	7157

Aptus Value Housing Cash Flow

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

Aptus Value Housing Ratios

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

Aptus Value Housing Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	62.35	62.35	62.35	62.21	62.21	62.2	62.2	62.12	62.09	61.09
FII	11.02	11.4	11.5	12.42	14.05	14.06	14.15	14.83	15.42	19.58
DII	20.14	20.38	20.46	2.63	2.58	2.58	2.97	2.78	5.21	5.1
Public	6.49	5.88	5.69	22.74	21.16	21.15	20.68	20.26	17.28	14.23
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	30.98	30.98	30.98	30.98	30.98	30.98	30.98	30.98	30.98	30.48
FII	5.48	5.66	5.71	6.18	7	7	7.05	7.4	7.69	9.77
DII	10.01	10.13	10.17	1.31	1.28	1.29	1.48	1.39	2.6	2.54
Public	3.22	2.92	2.83	11.33	10.54	10.53	10.3	10.1	8.62	7.1
Others	0	0	0	0	0	0	0	0	0	0
Total	49.69	49.69	49.69	49.8	49.8	49.8	49.81	49.87	49.89	49.89

Pros

Company has delivered good profit growth of 49% CAGR over last 5 years

Cons

Stock is trading at 4.3 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.

Aptus Value Housing News

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Aptus Value Housing

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Aptus Value Housing Research see more...

Overview Inc. Year: 2009Industry: Finance - Housing

Aptus Value Housing Share Price

Alert Data

Quarterly Price

Peer Comparison

Aptus Value Housing Quarterly Results

Aptus Value Housing Profit & Loss

Growth Rates

Aptus Value Housing Balance Sheet

Aptus Value Housing Cash Flow

Aptus Value Housing Ratios

Aptus Value Housing Shareholding Pattern

Aptus Value Housing News

Top Unlisted Companies & InstaBuy Companies

Motilal Oswal

Motilal Oswal

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