Share Price and Basic Stock Data
Last Updated: July 27, 2025, 1:40 pm
| PEG Ratio | -1.91 |
|---|
Quick Insight
Aptus Value Housing Finance India Ltd, trading at ₹346 with a market capitalization of ₹17,323 crore, showcases robust financial metrics that merit attention. The company’s P/E ratio of 23.1 and a commendable ROE of 18.6% indicate efficient profit generation relative to shareholder equity. With an impressive operating profit margin (OPM) of 84%, Aptus demonstrates strong cost management in its operations. Moreover, a net profit of ₹751 crore and a healthy interest coverage ratio (ICR) of 2.83x suggest solid earnings stability. The company’s borrowings of ₹6,873 crore are well-supported by reserves of ₹4,217 crore, and a CCC of 0 days reflects effective working capital management. Given these strengths and a diverse shareholder base, Aptus appears well-positioned for sustained growth in the housing finance sector, making it a potentially attractive investment opportunity.
Competitors of Aptus Value Housing Finance India Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 39.6 Cr. | 39.6 | 61.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 13,362 Cr. | 1,294 | 1,519/839 | 32.3 | 280 | 0.28 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 17,443 Cr. | 349 | 402/268 | 23.2 | 86.4 | 1.29 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,608 Cr. | 417 | 595/308 | 5.94 | 530 | 0.72 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 26,206 Cr. | 1,006 | 1,202/746 | 12.8 | 648 | 0.50 % | 9.45 % | 12.3 % | 10.0 |
| Industry Average | 11,253.00 Cr | 443.83 | 12.86 | 308.75 | 0.90% | 48.21% | 13.33% | 5.64 |
All Competitor Stocks of Aptus Value Housing Finance India Ltd
Quarterly Result
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 225 | 240 | 268 | 286 | 299 | 306 | 334 | 351 | 375 | 395 | 421 | 450 | 484 |
| Expenses | 39 | 41 | 51 | 47 | 55 | 45 | 56 | 59 | 61 | 61 | 68 | 67 | 75 |
| Operating Profit | 187 | 200 | 217 | 239 | 243 | 260 | 277 | 293 | 313 | 334 | 353 | 383 | 409 |
| OPM % | 83% | 83% | 81% | 83% | 82% | 85% | 83% | 83% | 84% | 85% | 84% | 85% | 84% |
| Other Income | 9 | 8 | 9 | 9 | 12 | 10 | 11 | 13 | 13 | 10 | 14 | 9 | 15 |
| Interest | 49 | 54 | 67 | 77 | 78 | 85 | 96 | 98 | 109 | 120 | 128 | 143 | 150 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 3 | 3 | 3 | 3 |
| Profit before tax | 144 | 152 | 157 | 168 | 176 | 183 | 190 | 205 | 215 | 222 | 237 | 246 | 271 |
| Tax % | 24% | 22% | 21% | 25% | 23% | 22% | 22% | 23% | 24% | 23% | 23% | 22% | 24% |
| Net Profit | 110 | 119 | 123 | 126 | 135 | 142 | 148 | 158 | 164 | 172 | 182 | 190 | 207 |
| EPS in Rs | 2.21 | 2.39 | 2.48 | 2.52 | 2.72 | 2.86 | 2.97 | 3.16 | 3.29 | 3.44 | 3.64 | 3.81 | 4.14 |
Last Updated: May 31, 2025, 6:58 am
Below is a detailed analysis of the quarterly data for Aptus Value Housing Finance India Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Sales, as of Mar 2025, the value is 484.00 Cr.. The value appears strong and on an upward trend. It has increased from 450.00 Cr. (Dec 2024) to 484.00 Cr., marking an increase of 34.00 Cr..
- For Expenses, as of Mar 2025, the value is 75.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 67.00 Cr. (Dec 2024) to 75.00 Cr., marking an increase of 8.00 Cr..
- For Operating Profit, as of Mar 2025, the value is 409.00 Cr.. The value appears strong and on an upward trend. It has increased from 383.00 Cr. (Dec 2024) to 409.00 Cr., marking an increase of 26.00 Cr..
- For OPM %, as of Mar 2025, the value is 84.00%. The value appears to be declining and may need further review. It has decreased from 85.00% (Dec 2024) to 84.00%, marking a decrease of 1.00%.
- For Other Income, as of Mar 2025, the value is 15.00 Cr.. The value appears strong and on an upward trend. It has increased from 9.00 Cr. (Dec 2024) to 15.00 Cr., marking an increase of 6.00 Cr..
- For Interest, as of Mar 2025, the value is 150.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 143.00 Cr. (Dec 2024) to 150.00 Cr., marking an increase of 7.00 Cr..
- For Depreciation, as of Mar 2025, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 3.00 Cr..
- For Profit before tax, as of Mar 2025, the value is 271.00 Cr.. The value appears strong and on an upward trend. It has increased from 246.00 Cr. (Dec 2024) to 271.00 Cr., marking an increase of 25.00 Cr..
- For Tax %, as of Mar 2025, the value is 24.00%. The value appears to be increasing, which may not be favorable. It has increased from 22.00% (Dec 2024) to 24.00%, marking an increase of 2.00%.
- For Net Profit, as of Mar 2025, the value is 207.00 Cr.. The value appears strong and on an upward trend. It has increased from 190.00 Cr. (Dec 2024) to 207.00 Cr., marking an increase of 17.00 Cr..
- For EPS in Rs, as of Mar 2025, the value is 4.14. The value appears strong and on an upward trend. It has increased from 3.81 (Dec 2024) to 4.14, marking an increase of 0.33.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: May 15, 2025, 4:27 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 126 | 201 | 325 | 500 | 640 | 815 | 1,093 | 1,365 | 1,750 |
| Expenses | 32 | 47 | 67 | 86 | 101 | 144 | 196 | 225 | 271 |
| Operating Profit | 94 | 154 | 258 | 414 | 539 | 670 | 897 | 1,140 | 1,479 |
| OPM % | 74% | 77% | 79% | 83% | 84% | 82% | 82% | 83% | 85% |
| Other Income | 0 | 3 | 13 | 23 | 19 | 26 | 40 | 52 | 48 |
| Interest | 36 | 53 | 115 | 185 | 207 | 209 | 277 | 389 | 541 |
| Depreciation | 2 | 2 | 3 | 6 | 6 | 7 | 7 | 9 | 12 |
| Profit before tax | 56 | 101 | 153 | 247 | 345 | 480 | 654 | 793 | 975 |
| Tax % | 34% | 34% | 27% | 15% | 23% | 23% | 23% | 23% | 23% |
| Net Profit | 37 | 67 | 112 | 211 | 267 | 370 | 503 | 612 | 751 |
| EPS in Rs | 4.73 | 8.49 | 14.18 | 22.74 | 28.77 | 7.45 | 10.10 | 12.26 | 15.03 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 20% | 37% | 30% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 81.08% | 67.16% | 88.39% | 26.54% | 38.58% | 35.95% | 21.67% | 22.71% |
| Change in YoY Net Profit Growth (%) | 0.00% | -13.92% | 21.23% | -61.85% | 12.04% | -2.63% | -14.28% | 1.04% |
Aptus Value Housing Finance India Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 28% |
| 3 Years: | 29% |
| TTM: | 28% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 29% |
| 3 Years: | 27% |
| TTM: | 23% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 5% |
| 1 Year: | 4% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 17% |
| Last Year: | 19% |
Last Updated: Unknown
Balance Sheet
Last Updated: July 25, 2025, 1:52 pm
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 79 | 79 | 79 | 95 | 95 | 99 | 100 | 100 | 100 |
| Reserves | 442 | 506 | 620 | 1,614 | 1,885 | 2,817 | 3,240 | 3,668 | 4,217 |
| Borrowings | 306 | 840 | 1,603 | 2,022 | 2,515 | 2,728 | 3,796 | 5,200 | 6,873 |
| Other Liabilities | 18 | 40 | 61 | 16 | 26 | 39 | 41 | 37 | 54 |
| Total Liabilities | 845 | 1,465 | 2,362 | 3,747 | 4,520 | 5,684 | 7,176 | 9,005 | 11,243 |
| Fixed Assets | 5 | 4 | 4 | 10 | 10 | 12 | 15 | 22 | 35 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 45 | 0 | 0 | 53 | 102 | 51 | 51 | 53 |
| Other Assets | 840 | 1,416 | 2,358 | 3,737 | 4,458 | 5,570 | 7,110 | 8,931 | 11,156 |
| Total Assets | 845 | 1,465 | 2,362 | 3,747 | 4,520 | 5,684 | 7,176 | 9,005 | 11,243 |
Below is a detailed analysis of the balance sheet data for Aptus Value Housing Finance India Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 100.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 100.00 Cr..
- For Reserves, as of Mar 2025, the value is 4,217.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,668.00 Cr. (Mar 2024) to 4,217.00 Cr., marking an increase of 549.00 Cr..
- For Borrowings, as of Mar 2025, the value is 6,873.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 5,200.00 Cr. (Mar 2024) to 6,873.00 Cr., marking an increase of 1,673.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 54.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 37.00 Cr. (Mar 2024) to 54.00 Cr., marking an increase of 17.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 11,243.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,005.00 Cr. (Mar 2024) to 11,243.00 Cr., marking an increase of 2,238.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 35.00 Cr.. The value appears strong and on an upward trend. It has increased from 22.00 Cr. (Mar 2024) to 35.00 Cr., marking an increase of 13.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 53.00 Cr.. The value appears strong and on an upward trend. It has increased from 51.00 Cr. (Mar 2024) to 53.00 Cr., marking an increase of 2.00 Cr..
- For Other Assets, as of Mar 2025, the value is 11,156.00 Cr.. The value appears strong and on an upward trend. It has increased from 8,931.00 Cr. (Mar 2024) to 11,156.00 Cr., marking an increase of 2,225.00 Cr..
- For Total Assets, as of Mar 2025, the value is 11,243.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,005.00 Cr. (Mar 2024) to 11,243.00 Cr., marking an increase of 2,238.00 Cr..
However, the Borrowings (6,873.00 Cr.) are higher than the Reserves (4,217.00 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -212.00 | -686.00 | 257.00 | 412.00 | 537.00 | 668.00 | 894.00 | -4.00 | -5.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||
| Days Payable | ||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -5 | -56 | -8 | -9 | -7 | -7 | -1 | -3 |
| ROCE % | 14% | 14% | 14% | 13% | 14% | 15% | 15% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Small Cap Fund | 19,532,794 | 2.09 | 644.48 | 19,532,794 | 2025-04-22 14:12:24 | 0% |
| SBI Multicap Fund | 10,675,139 | 2.07 | 352.23 | 10,675,139 | 2025-04-22 14:59:34 | 0% |
| SBI Banking & Financial Services Fund | 3,366,270 | 1.9 | 111.07 | 3,366,270 | 2025-04-22 14:59:34 | 0% |
| SBI Magnum Childrens Benefit Fund - Investment Plan | 1,500,000 | 2.13 | 49.49 | 1,500,000 | 2025-04-22 14:59:34 | 0% |
| SBI Conservative Hybrid Fund | 1,371,296 | 0.44 | 44.62 | 1,371,296 | 2025-04-22 14:59:34 | 0% |
| SBI Conservative Hybrid Fund - Div (Annual) | 1,371,296 | 0.44 | 44.62 | 1,371,296 | 2025-04-22 14:59:34 | 0% |
| SBI Conservative Hybrid Fund - Div (Monthly) | 1,371,296 | 0.44 | 44.62 | 1,371,296 | 2025-04-22 14:59:34 | 0% |
| Tata Banking and Financial Services Fund | 1,200,000 | 1.78 | 39.59 | 1,200,000 | 2025-04-22 14:59:34 | 0% |
| SBI Equity Savings Fund | 1,167,195 | 0.79 | 38.51 | 1,167,195 | 2025-04-22 14:59:34 | 0% |
| PGIM India Small Cap Fund | 752,855 | 1.65 | 24.84 | 752,855 | 2025-04-22 14:59:34 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 15.04 | 12.27 | 10.11 | 7.58 | 5.56 |
| Diluted EPS (Rs.) | 15.01 | 12.27 | 10.08 | 7.53 | 5.55 |
| Cash EPS (Rs.) | 15.27 | 12.45 | 10.24 | 7.58 | 5.74 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 86.36 | 75.52 | 67.05 | 58.68 | 41.70 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 86.36 | 75.52 | 67.05 | 58.68 | 41.70 |
| Revenue From Operations / Share (Rs.) | 35.02 | 27.36 | 21.95 | 16.39 | 13.41 |
| PBDIT / Share (Rs.) | 30.56 | 23.86 | 18.81 | 13.99 | 11.74 |
| PBIT / Share (Rs.) | 30.32 | 23.67 | 18.67 | 13.86 | 11.62 |
| PBT / Share (Rs.) | 19.50 | 15.90 | 13.13 | 9.66 | 7.27 |
| Net Profit / Share (Rs.) | 15.03 | 12.26 | 10.10 | 7.45 | 5.62 |
| NP After MI And SOA / Share (Rs.) | 15.03 | 12.26 | 10.10 | 7.45 | 5.62 |
| PBDIT Margin (%) | 87.26 | 87.19 | 85.68 | 85.33 | 87.54 |
| PBIT Margin (%) | 86.57 | 86.50 | 85.02 | 84.52 | 86.64 |
| PBT Margin (%) | 55.69 | 58.09 | 59.79 | 58.92 | 54.20 |
| Net Profit Margin (%) | 42.91 | 44.82 | 46.00 | 45.43 | 41.93 |
| NP After MI And SOA Margin (%) | 42.91 | 44.82 | 46.00 | 45.43 | 41.93 |
| Return on Networth / Equity (%) | 17.40 | 16.23 | 15.06 | 12.69 | 13.48 |
| Return on Capital Employeed (%) | 34.96 | 31.23 | 24.85 | 20.63 | 22.79 |
| Return On Assets (%) | 6.68 | 6.79 | 7.00 | 6.51 | 5.90 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.11 | 0.14 | 0.21 |
| Total Debt / Equity (X) | 1.59 | 1.38 | 1.13 | 0.93 | 1.27 |
| Asset Turnover Ratio (%) | 0.17 | 0.16 | 0.15 | 0.14 | 0.13 |
| Current Ratio (X) | 1.62 | 1.71 | 2.08 | 2.41 | 2.14 |
| Quick Ratio (X) | 1.62 | 1.71 | 2.08 | 2.41 | 2.14 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 32.58 | 19.80 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 32.09 | 19.52 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 0.00 | 67.42 | 80.20 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 0.00 | 67.91 | 80.48 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 2.83 | 3.07 | 3.40 | 3.33 | 2.70 |
| Interest Coverage Ratio (Post Tax) (X) | 2.39 | 2.58 | 2.82 | 2.77 | 2.29 |
| Enterprise Value (Cr.) | 21172.61 | 20241.57 | 15448.11 | 19169.90 | 0.00 |
| EV / Net Operating Revenue (X) | 12.10 | 14.83 | 14.13 | 23.53 | 0.00 |
| EV / EBITDA (X) | 13.86 | 17.01 | 16.49 | 27.57 | 0.00 |
| MarketCap / Net Operating Revenue (X) | 8.43 | 11.29 | 11.09 | 20.74 | 0.00 |
| Retention Ratios (%) | 0.00 | 67.41 | 80.19 | 0.00 | 0.00 |
| Price / BV (X) | 3.42 | 4.09 | 3.63 | 5.79 | 0.00 |
| Price / Net Operating Revenue (X) | 8.43 | 11.29 | 11.09 | 20.74 | 0.00 |
| EarningsYield | 0.05 | 0.03 | 0.04 | 0.02 | 0.00 |
After reviewing the key financial ratios for Aptus Value Housing Finance India Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 15.04. This value is within the healthy range. It has increased from 12.27 (Mar 24) to 15.04, marking an increase of 2.77.
- For Diluted EPS (Rs.), as of Mar 25, the value is 15.01. This value is within the healthy range. It has increased from 12.27 (Mar 24) to 15.01, marking an increase of 2.74.
- For Cash EPS (Rs.), as of Mar 25, the value is 15.27. This value is within the healthy range. It has increased from 12.45 (Mar 24) to 15.27, marking an increase of 2.82.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 86.36. It has increased from 75.52 (Mar 24) to 86.36, marking an increase of 10.84.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 86.36. It has increased from 75.52 (Mar 24) to 86.36, marking an increase of 10.84.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 35.02. It has increased from 27.36 (Mar 24) to 35.02, marking an increase of 7.66.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 30.56. This value is within the healthy range. It has increased from 23.86 (Mar 24) to 30.56, marking an increase of 6.70.
- For PBIT / Share (Rs.), as of Mar 25, the value is 30.32. This value is within the healthy range. It has increased from 23.67 (Mar 24) to 30.32, marking an increase of 6.65.
- For PBT / Share (Rs.), as of Mar 25, the value is 19.50. This value is within the healthy range. It has increased from 15.90 (Mar 24) to 19.50, marking an increase of 3.60.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 15.03. This value is within the healthy range. It has increased from 12.26 (Mar 24) to 15.03, marking an increase of 2.77.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 15.03. This value is within the healthy range. It has increased from 12.26 (Mar 24) to 15.03, marking an increase of 2.77.
- For PBDIT Margin (%), as of Mar 25, the value is 87.26. This value is within the healthy range. It has increased from 87.19 (Mar 24) to 87.26, marking an increase of 0.07.
- For PBIT Margin (%), as of Mar 25, the value is 86.57. This value exceeds the healthy maximum of 20. It has increased from 86.50 (Mar 24) to 86.57, marking an increase of 0.07.
- For PBT Margin (%), as of Mar 25, the value is 55.69. This value is within the healthy range. It has decreased from 58.09 (Mar 24) to 55.69, marking a decrease of 2.40.
- For Net Profit Margin (%), as of Mar 25, the value is 42.91. This value exceeds the healthy maximum of 10. It has decreased from 44.82 (Mar 24) to 42.91, marking a decrease of 1.91.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 42.91. This value exceeds the healthy maximum of 20. It has decreased from 44.82 (Mar 24) to 42.91, marking a decrease of 1.91.
- For Return on Networth / Equity (%), as of Mar 25, the value is 17.40. This value is within the healthy range. It has increased from 16.23 (Mar 24) to 17.40, marking an increase of 1.17.
- For Return on Capital Employeed (%), as of Mar 25, the value is 34.96. This value is within the healthy range. It has increased from 31.23 (Mar 24) to 34.96, marking an increase of 3.73.
- For Return On Assets (%), as of Mar 25, the value is 6.68. This value is within the healthy range. It has decreased from 6.79 (Mar 24) to 6.68, marking a decrease of 0.11.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 1.59. This value exceeds the healthy maximum of 1. It has increased from 1.38 (Mar 24) to 1.59, marking an increase of 0.21.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.17. It has increased from 0.16 (Mar 24) to 0.17, marking an increase of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.62. This value is within the healthy range. It has decreased from 1.71 (Mar 24) to 1.62, marking a decrease of 0.09.
- For Quick Ratio (X), as of Mar 25, the value is 1.62. This value is within the healthy range. It has decreased from 1.71 (Mar 24) to 1.62, marking a decrease of 0.09.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 32.58 (Mar 24) to 0.00, marking a decrease of 32.58.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 32.09 (Mar 24) to 0.00, marking a decrease of 32.09.
- For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 67.42 (Mar 24) to 0.00, marking a decrease of 67.42.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 67.91 (Mar 24) to 0.00, marking a decrease of 67.91.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 2.83. This value is below the healthy minimum of 3. It has decreased from 3.07 (Mar 24) to 2.83, marking a decrease of 0.24.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 2.39. This value is below the healthy minimum of 3. It has decreased from 2.58 (Mar 24) to 2.39, marking a decrease of 0.19.
- For Enterprise Value (Cr.), as of Mar 25, the value is 21,172.61. It has increased from 20,241.57 (Mar 24) to 21,172.61, marking an increase of 931.04.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 12.10. This value exceeds the healthy maximum of 3. It has decreased from 14.83 (Mar 24) to 12.10, marking a decrease of 2.73.
- For EV / EBITDA (X), as of Mar 25, the value is 13.86. This value is within the healthy range. It has decreased from 17.01 (Mar 24) to 13.86, marking a decrease of 3.15.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 8.43. This value exceeds the healthy maximum of 3. It has decreased from 11.29 (Mar 24) to 8.43, marking a decrease of 2.86.
- For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 67.41 (Mar 24) to 0.00, marking a decrease of 67.41.
- For Price / BV (X), as of Mar 25, the value is 3.42. This value exceeds the healthy maximum of 3. It has decreased from 4.09 (Mar 24) to 3.42, marking a decrease of 0.67.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 8.43. This value exceeds the healthy maximum of 3. It has decreased from 11.29 (Mar 24) to 8.43, marking a decrease of 2.86.
- For EarningsYield, as of Mar 25, the value is 0.05. This value is below the healthy minimum of 5. It has increased from 0.03 (Mar 24) to 0.05, marking an increase of 0.02.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Aptus Value Housing Finance India Ltd:
- Net Profit Margin: 42.91%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 34.96% (Industry Average ROCE: 48.21%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 17.4% (Industry Average ROE: 13.33%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 2.39
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.62
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 23.2 (Industry average Stock P/E: 12.86)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 1.59
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 42.91%
About the Company - Qualitative Analysis
Aptus Value Housing Finance India Ltd. is a Public Limited Listed company incorporated on 11/12/2009 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65922TN2009PLC073881 and registration number is 073881. Currently Company is involved in the business activities of Financial Leasing. Company's Total Operating Revenue is Rs. 1294.03 Cr. and Equity Capital is Rs. 99.96 Cr. for the Year ended 31/03/2025.
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | No. 8B, Doshi Towers, 8th Floor, Chennai (Madras) Tamil Nadu 600010 | cs@aptusindia.com http://www.aptusindia.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. M Anandan | Executive Chairman |
| Mr. P Balaji | Managing Director |
| Mr. Krishnamurthy Vijayan | Independent Director |
| Mr. V G Kannan | Independent Director |
| Ms. Mona Kachhwaha | Independent Director |
| Mr. Kandheri Munuswamy Mohandass | Independent Director |
| Mr. Sankaran Krishnamurthy | Independent Director |
| Mr. Kanarath Payattiyath Balaraj | Nominee Director |
| Mr. Sumir Chadha | Nominee Director |
FAQ
What is the intrinsic value of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd's intrinsic value (as of 30 July 2025) is 302.11 13.44% lower the current market price of 349.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 17,443 Cr. market cap, FY2025-2026 high/low of 402/268, reserves of 4,217 Cr, and liabilities of 11,243 Cr.
What is the Market Cap of Aptus Value Housing Finance India Ltd?
The Market Cap of Aptus Value Housing Finance India Ltd is 17,443 Cr..
What is the current Stock Price of Aptus Value Housing Finance India Ltd as on 30 July 2025?
The current stock price of Aptus Value Housing Finance India Ltd as on 30 July 2025 is 349.
What is the High / Low of Aptus Value Housing Finance India Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Aptus Value Housing Finance India Ltd stocks is ₹402/268.
What is the Stock P/E of Aptus Value Housing Finance India Ltd?
The Stock P/E of Aptus Value Housing Finance India Ltd is 23.2.
What is the Book Value of Aptus Value Housing Finance India Ltd?
The Book Value of Aptus Value Housing Finance India Ltd is 86.4.
What is the Dividend Yield of Aptus Value Housing Finance India Ltd?
The Dividend Yield of Aptus Value Housing Finance India Ltd is 1.29 %.
What is the ROCE of Aptus Value Housing Finance India Ltd?
The ROCE of Aptus Value Housing Finance India Ltd is 15.0 %.
What is the ROE of Aptus Value Housing Finance India Ltd?
The ROE of Aptus Value Housing Finance India Ltd is 18.6 %.
What is the Face Value of Aptus Value Housing Finance India Ltd?
The Face Value of Aptus Value Housing Finance India Ltd is 2.00.