Share Price and Basic Stock Data
Last Updated: December 6, 2025, 10:41 pm
| PEG Ratio | 1.01 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Aptus Value Housing Finance India Ltd operates in the housing finance sector, focusing on providing loans for affordable housing. As of September 2025, the stock price stood at ₹282, with a market capitalization of ₹14,105 Cr. The company reported a steady revenue growth trajectory, with sales rising from ₹1,093 Cr in FY 2023 to ₹1,365 Cr in FY 2024, and further to ₹1,750 Cr in FY 2025. This growth reflects a compound annual growth rate (CAGR) of approximately 22% over two years, indicating robust demand for housing finance amidst an evolving Indian real estate landscape. The quarterly sales figures show a consistent upward trend, hitting ₹334 Cr in September 2023 and projected to reach ₹375 Cr by March 2024. Such performance can be attributed to a growing middle-class population and government initiatives aimed at boosting affordable housing. However, the real estate sector remains sensitive to macroeconomic factors, including interest rates and regulatory changes, which could impact future growth.
Profitability and Efficiency Metrics
Aptus has demonstrated commendable profitability metrics, with a reported net profit of ₹799 Cr for FY 2025. The company’s operating profit margin (OPM) stood at an impressive 84%, reflecting efficient cost management and strong pricing power in its lending operations. The return on equity (ROE) was recorded at 18.6%, showcasing the company’s ability to generate profits relative to shareholder equity. Additionally, the interest coverage ratio (ICR) of 2.83x indicates that Aptus is comfortably able to meet its interest obligations, which is a positive sign for investors. However, the rising interest expenses—from ₹277 Cr in FY 2023 to ₹542 Cr in FY 2025—pose a potential risk to profitability if not managed carefully. Moreover, while the company has maintained a high OPM, fluctuations in the housing market or increased competition could pressure margins, necessitating vigilant operational strategies.
Balance Sheet Strength and Financial Ratios
The balance sheet of Aptus reflects a solid financial foundation, with total assets reported at ₹11,243 Cr and total borrowings at ₹7,313 Cr. The company’s debt-to-equity ratio of 1.59x suggests a balanced approach to leveraging, though it remains on the higher side compared to industry norms. The reserves have grown significantly, standing at ₹4,557 Cr, which provides a cushion against potential financial shocks. The current ratio of 1.62 indicates that Aptus is well-positioned to cover its short-term liabilities, suggesting liquidity is not an immediate concern. However, the increasing borrowings must be monitored closely, as they can lead to heightened financial risk if not matched by revenue growth. Overall, while the financial ratios indicate a healthy balance sheet, investors should remain cautious about the implications of rising debt levels in a potentially volatile market.
Shareholding Pattern and Investor Confidence
The shareholding structure of Aptus Value Housing Finance has evolved significantly, with promoter holdings declining from 62.21% in March 2023 to 23.87% by September 2025. This reduction raises questions about the long-term commitment of the original founders and could impact investor confidence. In contrast, foreign institutional investors (FIIs) have increased their stake to 35.36%, reflecting growing confidence from international markets. Domestic institutional investors (DIIs) also raised their holdings to 25.87%, indicating institutional interest in the company’s growth potential. With over 160,741 shareholders, the retail investor base appears robust, yet the declining promoter stake could be perceived as a red flag. Investors might interpret this shift as a potential dilution of control, which could affect strategic decision-making going forward.
Outlook, Risks, and Final Insight
Looking ahead, Aptus Value Housing Finance is positioned to benefit from the continuing demand for affordable housing in India, supported by favorable government policies and a growing economy. However, risks remain, particularly from fluctuations in interest rates and potential economic slowdowns that could affect borrowing capacity. The rising competition in the housing finance sector also poses a challenge, as new entrants may drive margins lower. Investors should consider these dynamics carefully. While the company’s strong profitability metrics and a solid balance sheet offer a favorable outlook, the declining promoter stake could introduce uncertainties regarding governance. Ultimately, a balanced approach is advisable, weighing the growth potential against the backdrop of inherent market risks.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 39.2 Cr. | 39.2 | 56.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 11,367 Cr. | 1,094 | 1,519/839 | 25.1 | 388 | 0.34 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,105 Cr. | 282 | 365/268 | 16.7 | 93.0 | 1.60 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,456 Cr. | 393 | 493/308 | 5.67 | 557 | 1.00 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,658 Cr. | 870 | 1,142/746 | 10.3 | 690 | 0.55 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,111.50 Cr | 407.68 | 11.18 | 332.03 | 1.02% | 48.21% | 13.33% | 5.64 |
All Competitor Stocks of Aptus Value Housing Finance India Ltd
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 240 | 268 | 286 | 299 | 306 | 334 | 351 | 375 | 395 | 421 | 450 | 484 | 520 |
| Expenses | 41 | 51 | 47 | 55 | 45 | 56 | 59 | 61 | 61 | 68 | 67 | 75 | 81 |
| Operating Profit | 200 | 217 | 239 | 243 | 260 | 277 | 293 | 313 | 334 | 353 | 383 | 409 | 439 |
| OPM % | 83% | 81% | 83% | 82% | 85% | 83% | 83% | 84% | 85% | 84% | 85% | 84% | 84% |
| Other Income | 8 | 9 | 9 | 12 | 10 | 11 | 13 | 13 | 10 | 14 | 9 | 15 | 10 |
| Interest | 54 | 67 | 77 | 78 | 85 | 96 | 98 | 109 | 120 | 128 | 143 | 150 | 160 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 3 | 3 | 3 | 3 | 3 |
| Profit before tax | 152 | 157 | 168 | 176 | 183 | 190 | 205 | 215 | 222 | 237 | 246 | 271 | 286 |
| Tax % | 22% | 21% | 25% | 23% | 22% | 22% | 23% | 24% | 23% | 23% | 22% | 24% | 23% |
| Net Profit | 119 | 123 | 126 | 135 | 142 | 148 | 158 | 164 | 172 | 182 | 190 | 207 | 219 |
| EPS in Rs | 2.39 | 2.48 | 2.52 | 2.72 | 2.86 | 2.97 | 3.16 | 3.29 | 3.44 | 3.64 | 3.81 | 4.14 | 4.39 |
Last Updated: August 1, 2025, 7:35 am
Below is a detailed analysis of the quarterly data for Aptus Value Housing Finance India Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 520.00 Cr.. The value appears strong and on an upward trend. It has increased from 484.00 Cr. (Mar 2025) to 520.00 Cr., marking an increase of 36.00 Cr..
- For Expenses, as of Jun 2025, the value is 81.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 75.00 Cr. (Mar 2025) to 81.00 Cr., marking an increase of 6.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 439.00 Cr.. The value appears strong and on an upward trend. It has increased from 409.00 Cr. (Mar 2025) to 439.00 Cr., marking an increase of 30.00 Cr..
- For OPM %, as of Jun 2025, the value is 84.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 84.00%.
- For Other Income, as of Jun 2025, the value is 10.00 Cr.. The value appears to be declining and may need further review. It has decreased from 15.00 Cr. (Mar 2025) to 10.00 Cr., marking a decrease of 5.00 Cr..
- For Interest, as of Jun 2025, the value is 160.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 150.00 Cr. (Mar 2025) to 160.00 Cr., marking an increase of 10.00 Cr..
- For Depreciation, as of Jun 2025, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 3.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 286.00 Cr.. The value appears strong and on an upward trend. It has increased from 271.00 Cr. (Mar 2025) to 286.00 Cr., marking an increase of 15.00 Cr..
- For Tax %, as of Jun 2025, the value is 23.00%. The value appears to be improving (decreasing) as expected. It has decreased from 24.00% (Mar 2025) to 23.00%, marking a decrease of 1.00%.
- For Net Profit, as of Jun 2025, the value is 219.00 Cr.. The value appears strong and on an upward trend. It has increased from 207.00 Cr. (Mar 2025) to 219.00 Cr., marking an increase of 12.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 4.39. The value appears strong and on an upward trend. It has increased from 4.14 (Mar 2025) to 4.39, marking an increase of 0.25.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:56 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 126 | 201 | 325 | 500 | 640 | 815 | 1,093 | 1,365 | 1,750 | 1,876 |
| Expenses | 32 | 47 | 67 | 86 | 101 | 144 | 196 | 218 | 270 | 292 |
| Operating Profit | 94 | 154 | 258 | 414 | 539 | 670 | 897 | 1,147 | 1,480 | 1,584 |
| OPM % | 74% | 77% | 79% | 83% | 84% | 82% | 82% | 84% | 85% | 84% |
| Other Income | 0 | 3 | 13 | 23 | 19 | 26 | 40 | 44 | 48 | 48 |
| Interest | 36 | 53 | 115 | 185 | 207 | 209 | 277 | 389 | 542 | 581 |
| Depreciation | 2 | 2 | 3 | 6 | 6 | 7 | 7 | 9 | 12 | 13 |
| Profit before tax | 56 | 101 | 153 | 247 | 345 | 480 | 654 | 793 | 975 | 1,039 |
| Tax % | 34% | 34% | 27% | 15% | 23% | 23% | 23% | 23% | 23% | |
| Net Profit | 37 | 67 | 112 | 211 | 267 | 370 | 503 | 612 | 751 | 799 |
| EPS in Rs | 4.73 | 8.49 | 14.18 | 22.74 | 28.77 | 7.45 | 10.10 | 12.26 | 15.03 | 15.98 |
| 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: | 29% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 29% |
| 3 Years: | 27% |
| TTM: | 25% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | -2% |
| 1 Year: | 0% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 17% |
| Last Year: | 19% |
Last Updated: September 5, 2025, 2:21 pm
Balance Sheet
Last Updated: December 4, 2025, 2:23 am
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 79 | 79 | 79 | 95 | 95 | 99 | 100 | 100 | 100 | 100 |
| Reserves | 442 | 506 | 620 | 1,614 | 1,885 | 2,817 | 3,240 | 3,668 | 4,217 | 4,557 |
| Borrowings | 306 | 840 | 1,603 | 2,022 | 2,515 | 2,728 | 3,796 | 5,200 | 6,873 | 7,313 |
| Other Liabilities | 18 | 40 | 61 | 16 | 26 | 39 | 41 | 37 | 54 | 54 |
| Total Liabilities | 845 | 1,465 | 2,362 | 3,747 | 4,520 | 5,684 | 7,176 | 9,005 | 11,243 | 12,024 |
| Fixed Assets | 5 | 4 | 4 | 10 | 10 | 12 | 15 | 22 | 35 | 38 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 45 | 0 | 0 | 53 | 102 | 51 | 51 | 53 | 240 |
| Other Assets | 840 | 1,416 | 2,358 | 3,737 | 4,458 | 5,570 | 7,110 | 8,931 | 11,156 | 11,745 |
| Total Assets | 845 | 1,465 | 2,362 | 3,747 | 4,520 | 5,684 | 7,176 | 9,005 | 11,243 | 12,024 |
Below is a detailed analysis of the balance sheet data for Aptus Value Housing Finance India Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 100.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 100.00 Cr..
- For Reserves, as of Sep 2025, the value is 4,557.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,217.00 Cr. (Mar 2025) to 4,557.00 Cr., marking an increase of 340.00 Cr..
- For Borrowings, as of Sep 2025, the value is 7,313.00 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 6,873.00 Cr. (Mar 2025) to 7,313.00 Cr., marking an increase of 440.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 54.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 54.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 12,024.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,243.00 Cr. (Mar 2025) to 12,024.00 Cr., marking an increase of 781.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 38.00 Cr.. The value appears strong and on an upward trend. It has increased from 35.00 Cr. (Mar 2025) to 38.00 Cr., marking an increase of 3.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 240.00 Cr.. The value appears strong and on an upward trend. It has increased from 53.00 Cr. (Mar 2025) to 240.00 Cr., marking an increase of 187.00 Cr..
- For Other Assets, as of Sep 2025, the value is 11,745.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,156.00 Cr. (Mar 2025) to 11,745.00 Cr., marking an increase of 589.00 Cr..
- For Total Assets, as of Sep 2025, the value is 12,024.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,243.00 Cr. (Mar 2025) to 12,024.00 Cr., marking an increase of 781.00 Cr..
However, the Borrowings (7,313.00 Cr.) are higher than the Reserves (4,557.00 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 - No data available for this post.
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 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | |||||||||
| Days Payable | |||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -14 | -56 | -18 | -9 | -7 | -7 | -1 | -3 | 5 |
| ROCE % | 14% | 14% | 14% | 13% | 14% | 15% | 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 | 1.68 | 620.36 | 19,532,794 | 2025-04-22 14:12:24 | 0% |
| SBI Multicap Fund | 10,675,139 | 1.41 | 339.04 | 10,675,139 | 2025-04-22 14:59:34 | 0% |
| Kotak Small Cap Fund | 8,069,222 | 1.42 | 256.28 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 7,435,950 | 2.55 | 236.17 | 3,366,270 | 2025-11-03 00:20:46 | 120.9% |
| SBI Flexicap Fund | 7,066,720 | 0.97 | 224.44 | N/A | N/A | N/A |
| Axis Small Cap Fund | 5,603,959 | 0.66 | 177.98 | N/A | N/A | N/A |
| Quant Small Cap Fund | 3,649,318 | 0.38 | 115.9 | N/A | N/A | N/A |
| Kotak Balanced Advantage Fund | 3,041,097 | 0.54 | 96.59 | N/A | N/A | N/A |
| HDFC Business Cycle Fund | 2,683,602 | 2.87 | 85.23 | N/A | N/A | N/A |
| Aditya Birla Sun Life Banking and Financial Services Fund | 2,636,162 | 2.32 | 83.72 | N/A | N/A | N/A |
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) (%) | 29.90 | 32.58 | 19.80 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 29.43 | 32.09 | 19.52 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 70.10 | 67.42 | 80.20 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 70.57 | 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 (%) | 70.09 | 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 29.90. This value is within the healthy range. It has decreased from 32.58 (Mar 24) to 29.90, marking a decrease of 2.68.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 29.43. This value is within the healthy range. It has decreased from 32.09 (Mar 24) to 29.43, marking a decrease of 2.66.
- For Earning Retention Ratio (%), as of Mar 25, the value is 70.10. This value exceeds the healthy maximum of 70. It has increased from 67.42 (Mar 24) to 70.10, marking an increase of 2.68.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 70.57. This value exceeds the healthy maximum of 70. It has increased from 67.91 (Mar 24) to 70.57, marking an increase of 2.66.
- 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 70.09. This value exceeds the healthy maximum of 70. It has increased from 67.41 (Mar 24) to 70.09, marking an increase of 2.68.
- 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: 16.7 (Industry average Stock P/E: 11.18)
- 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%
Aptus Value Housing Finance India Ltd: Intrinsic Value & Share Price Analysis
| 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 08 December 2025) is 234.80 which is 16.74% lower the current market price of 282.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 14,105 Cr. market cap, FY2025-2026 high/low of 365/268, reserves of ₹4,557 Cr, and liabilities of 12,024 Cr.
What is the Market Cap of Aptus Value Housing Finance India Ltd?
The Market Cap of Aptus Value Housing Finance India Ltd is 14,105 Cr..
What is the current Stock Price of Aptus Value Housing Finance India Ltd as on 08 December 2025?
The current stock price of Aptus Value Housing Finance India Ltd as on 08 December 2025 is 282.
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 365/268.
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 16.7.
What is the Book Value of Aptus Value Housing Finance India Ltd?
The Book Value of Aptus Value Housing Finance India Ltd is 93.0.
What is the Dividend Yield of Aptus Value Housing Finance India Ltd?
The Dividend Yield of Aptus Value Housing Finance India Ltd is 1.60 %.
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.