Share Price and Basic Stock Data

Last Updated: November 22, 2024, 9:08 pm

Market Cap	15,757 Cr.
Current Price	315
High / Low	402/282
Stock P/E	23.3
Book Value	80.3
Dividend Yield	1.43 %
ROCE	14.7 %
ROE	17.2 %
Face Value	2.00
PEG Ratio	-1.66

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Aptus Value Housing Finance India Ltd

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	43.3 Cr.	43.3	87.9/31.6		121	0.00 %	7.86 %	%	10.0
Home First Finance Company India Ltd	9,689 Cr.	1,087	1,383/777	28.3	257	0.31 %	11.2 %	15.5 %	2.00
Aptus Value Housing Finance India Ltd	15,757 Cr.	315	402/282	23.3	80.3	1.43 %	14.7 %	17.2 %	2.00
Repco Home Finance Ltd	2,808 Cr.	448	595/366	6.60	494	0.67 %	10.5 %	14.6 %	10.0
PNB Housing Finance Ltd	22,249 Cr.	855	1,202/600	13.1	575	0.00 %	9.27 %	11.8 %	10.0
Industry Average	10,540.00 Cr	420.99		12.67	287.99	0.76%	11.06%	13.49%	5.64

All Competitor Stocks of Aptus Value Housing Finance India Ltd

Quarterly Result

Month	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Sales	197	210	225	240	268	286	299	306	334	351	375	395	421
Expenses	37	35	39	41	51	47	55	45	56	59	65	61	68
Operating Profit	160	175	187	200	217	239	243	260	277	293	309	334	353
OPM %	81%	83%	83%	83%	81%	83%	82%	85%	83%	83%	83%	85%	84%
Other Income	6	6	9	8	9	9	12	10	11	13	17	10	14
Interest	55	49	49	54	67	77	78	85	96	98	109	120	128
Depreciation	2	1	2	2	2	2	2	2	3	2	2	3	3
Profit before tax	109	131	144	152	157	168	176	183	190	205	215	222	237
Tax %	22%	23%	24%	22%	21%	25%	23%	22%	22%	23%	24%	23%	23%
Net Profit	85	101	110	119	123	126	135	142	148	158	164	172	182
EPS in Rs	1.72	2.04	2.21	2.39	2.48	2.52	2.72	2.86	2.97	3.16	3.29	3.44	3.64

Last Updated: November 6, 2024, 7:19 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: November 12, 2024, 4:13 pm

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	126	201	325	500	640	815	1,093	1,365	1,542
Expenses	32	47	67	86	101	144	196	225	253
Operating Profit	94	154	258	414	539	670	897	1,140	1,290
OPM %	74%	77%	79%	83%	84%	82%	82%	83%	84%
Other Income	0	3	13	23	19	26	40	52	54
Interest	36	53	115	185	207	209	277	389	455
Depreciation	2	2	3	6	6	7	7	9	10
Profit before tax	56	101	153	247	345	480	654	793	879
Tax %	34%	34%	27%	15%	23%	23%	23%	23%
Net Profit	37	67	112	211	267	370	503	612	675
EPS in Rs	4.73	8.49	14.18	22.74	28.77	7.45	10.10	12.26	13.53
Dividend Payout %	-0%	-0%	-0%	-0%	-0%	-0%	20%	37%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	81.08%	67.16%	88.39%	26.54%	38.58%	35.95%	21.67%
Change in YoY Net Profit Growth (%)	0.00%	-13.92%	21.23%	-61.85%	12.04%	-2.63%	-14.28%

Aptus Value Housing Finance India Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2017-2018 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	33%
3 Years:	29%
TTM:	26%

Compounded Profit Growth
10 Years:	%
5 Years:	41%
3 Years:	32%
TTM:	23%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	-1%
1 Year:	11%

Return on Equity
10 Years:	%
5 Years:	16%
3 Years:	16%
Last Year:	17%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 5:51 pm

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
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	3,914
Borrowings	306	840	1,603	2,022	2,515	2,728	3,796	5,200	6,196
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	10,264
Fixed Assets	5	4	4	10	10	12	15	22	28
CWIP	0	0	0	0	0	0	0	0	0
Investments	1	45	0	0	53	102	51	51	65
Other Assets	840	1,416	2,358	3,737	4,458	5,570	7,110	8,931	10,172
Total Assets	845	1,465	2,362	3,747	4,520	5,684	7,176	9,005	10,264

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-303	-495	-714	-735	-621	-724	-1,047	-1,356
Cash from Investing Activity +	2	8	0	-97	65	-62	111	21
Cash from Financing Activity +	300	534	764	1,209	495	768	978	1,224
Net Cash Flow	-1	47	51	377	-61	-18	42	-111

Free Cash Flow

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-212.00	-686.00	257.00	412.00	537.00	668.00	894.00	-4.00

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.

Free Cash Flow Chart

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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoters	62.35%	62.35%	62.35%	62.21%	62.21%	62.21%	62.21%	62.13%	62.10%	61.10%	54.09%	53.91%
FIIs	11.02%	11.40%	11.50%	12.42%	14.05%	14.06%	14.15%	14.83%	15.42%	19.58%	22.81%	22.46%
DIIs	20.15%	20.38%	20.46%	2.63%	2.57%	2.59%	2.96%	2.78%	5.21%	5.11%	9.14%	9.48%
Public	6.49%	5.88%	5.69%	22.74%	21.18%	21.15%	20.68%	20.27%	17.28%	14.22%	13.96%	14.16%
No. of Shareholders	1,88,110	1,40,814	1,38,434	1,35,134	1,31,732	1,31,365	1,38,492	1,36,988	1,42,117	1,29,415	1,30,289	1,53,109

Shareholding Pattern Chart

No. of Shareholders

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	752,855	2024-11-22	2494.5%
SBI Multicap Fund	10,675,139	2.07	352.23	752,855	2024-11-22	1317.95%
SBI Banking & Financial Services Fund	3,366,270	1.9	111.07	752,855	2024-11-22	347.13%
SBI Magnum Childrens Benefit Fund - Investment Plan	1,500,000	2.13	49.49	752,855	2024-11-22	99.24%
SBI Conservative Hybrid Fund	1,371,296	0.44	44.62	752,855	2024-11-22	82.15%
SBI Conservative Hybrid Fund - Div (Annual)	1,371,296	0.44	44.62	752,855	2024-11-22	82.15%
SBI Conservative Hybrid Fund - Div (Monthly)	1,371,296	0.44	44.62	752,855	2024-11-22	82.15%
Tata Banking and Financial Services Fund	1,200,000	1.78	39.59	752,855	2024-11-22	59.39%
SBI Equity Savings Fund	1,167,195	0.79	38.51	752,855	2024-11-22	55.04%
PGIM India Small Cap Fund	752,855	1.65	24.84	752,855	2024-11-22	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	2.00	2.00	2.00	2.00	10.00
Basic EPS (Rs.)	12.27	10.11	7.58	5.56	4.77
Diluted EPS (Rs.)	12.27	10.08	7.53	5.55	4.74
Cash EPS (Rs.)	12.45	10.24	7.58	5.74	22.94
Book Value[Excl.RevalReserv]/Share (Rs.)	75.52	67.05	58.68	41.70	180.82
Book Value[Incl.RevalReserv]/Share (Rs.)	75.52	67.05	58.68	41.70	180.82
Revenue From Operations / Share (Rs.)	27.36	21.95	16.39	13.41	52.94
PBDIT / Share (Rs.)	23.86	18.81	13.99	11.74	46.31
PBIT / Share (Rs.)	23.67	18.67	13.86	11.62	45.69
PBT / Share (Rs.)	15.90	13.13	9.66	7.27	26.16
Net Profit / Share (Rs.)	12.26	10.10	7.45	5.62	22.33
NP After MI And SOA / Share (Rs.)	12.26	10.10	7.45	5.62	22.33
PBDIT Margin (%)	87.19	85.68	85.33	87.54	87.47
PBIT Margin (%)	86.50	85.02	84.52	86.64	86.31
PBT Margin (%)	58.09	59.79	58.92	54.20	49.42
Net Profit Margin (%)	44.82	46.00	45.43	41.93	42.17
NP After MI And SOA Margin (%)	44.82	46.00	45.43	41.93	42.17
Return on Networth / Equity (%)	16.23	15.06	12.69	13.48	12.34
Return on Capital Employeed (%)	31.23	24.85	20.63	22.79	18.26
Return On Assets (%)	6.79	7.00	6.51	5.90	5.63
Long Term Debt / Equity (X)	0.00	0.11	0.14	0.21	0.37
Total Debt / Equity (X)	1.38	1.13	0.93	1.27	1.18
Asset Turnover Ratio (%)	0.16	0.15	0.14	0.13	0.14
Current Ratio (X)	1.71	2.08	2.41	2.14	2.69
Quick Ratio (X)	1.71	2.08	2.41	2.14	2.69
Dividend Payout Ratio (NP) (%)	32.58	19.80	0.00	0.00	0.00
Dividend Payout Ratio (CP) (%)	32.09	19.52	0.00	0.00	0.00
Earning Retention Ratio (%)	67.42	80.20	0.00	0.00	0.00
Cash Earning Retention Ratio (%)	67.91	80.48	0.00	0.00	0.00
Interest Coverage Ratio (X)	3.07	3.40	3.33	2.70	2.37
Interest Coverage Ratio (Post Tax) (X)	2.58	2.82	2.77	2.29	2.14
Enterprise Value (Cr.)	20241.57	15448.11	19169.90	0.00	0.00
EV / Net Operating Revenue (X)	14.83	14.13	23.53	0.00	0.00
EV / EBITDA (X)	17.01	16.49	27.57	0.00	0.00
MarketCap / Net Operating Revenue (X)	11.29	11.09	20.74	0.00	0.00
Retention Ratios (%)	67.41	80.19	0.00	0.00	0.00
Price / BV (X)	4.09	3.63	5.79	0.00	0.00
Price / Net Operating Revenue (X)	11.29	11.09	20.74	0.00	0.00
EarningsYield	0.03	0.04	0.02	0.00	0.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Aptus Value Housing Finance India Ltd as of November 24, 2024 is: 326.41

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of November 24, 2024, Aptus Value Housing Finance India Ltd is Undervalued by 3.62% compared to the current share price 315.00

Intrinsic Value of Aptus Value Housing Finance India Ltd as of November 24, 2024 is: 280.70

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of November 24, 2024, Aptus Value Housing Finance India Ltd is Overvalued by 10.89% compared to the current share price 315.00

Last 5 Year EPS CAGR: -14.01%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Working Capital Days of -12.00, which is a positive sign. The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign. The company has shown consistent growth in sales (290.00 cr) and profit (412.00 cr) over the years.	The stock has a low average ROCE of 12.38%, which may not be favorable. The company has higher borrowings (2,800.67) compared to reserves (2,078.44), which may suggest financial risk.

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:
1. Net Profit Margin: 44.82%
  - 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.
2. ROCE: 31.23% (Industry Average ROCE: 11.06%)
  - 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.
3. ROE%: 16.23% (Industry Average ROE: 13.49%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 2.58
  - 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.
5. Quick Ratio: 1.71
  - 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.
6. Stock P/E: 23.3 (Industry average Stock P/E: 12.67)
  - 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.
7. Total Debt / Equity: 1.38
  - 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

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. 678.97 Cr. and Equity Capital is Rs. 99.38 Cr. for the Year ended 31/03/2022.

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 latest intrinsic value of Aptus Value Housing Finance India Ltd?

The latest intrinsic value of Aptus Value Housing Finance India Ltd as on 23 November 2024 is ₹326.41, which is 3.62% higher than the current market price of ₹315.00.

What is the Market Cap of Aptus Value Housing Finance India Ltd?

The Market Cap of Aptus Value Housing Finance India Ltd is 15,757 Cr..

What is the current Stock Price of Aptus Value Housing Finance India Ltd as on 23 November 2024?

The current stock price of Aptus Value Housing Finance India Ltd as on 23 November 2024 is 315.

What is the High / Low of Aptus Value Housing Finance India Ltd stocks in FY 2024?

In FY 2024, the High / Low of Aptus Value Housing Finance India Ltd stocks is 402/282.

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 23.3.

What is the Book Value of Aptus Value Housing Finance India Ltd?

The Book Value of Aptus Value Housing Finance India Ltd is 80.3.

What is the Dividend Yield of Aptus Value Housing Finance India Ltd?

The Dividend Yield of Aptus Value Housing Finance India Ltd is 1.43 %.

What is the ROCE of Aptus Value Housing Finance India Ltd?

The ROCE of Aptus Value Housing Finance India Ltd is 14.7 %.

What is the ROE of Aptus Value Housing Finance India Ltd?

The ROE of Aptus Value Housing Finance India Ltd is 17.2 %.

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.