Share Price and Basic Stock Data
Last Updated: December 27, 2025, 10:35 pm
| PEG Ratio | 0.94 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Aptus Value Housing Finance India Ltd operates within the housing finance sector, focusing on providing affordable housing loans in India. The company reported a share price of ₹281 and a market capitalization of ₹14,045 Cr. Over the last fiscal year, Aptus demonstrated a robust revenue trajectory with sales reported at ₹1,093 Cr for FY 2023, which is a significant increase from ₹815 Cr in FY 2022. This upward trend continued with a reported TTM revenue of ₹1,998 Cr, indicating strong demand for housing finance solutions. Quarterly sales figures also reflect this growth, with sales rising from ₹240 Cr in June 2022 to ₹334 Cr in September 2023, showcasing a consistent quarter-on-quarter increase. The revenue growth rate positions Aptus favorably against its peers in the housing finance sector, where average growth rates generally hover around 15-20%. The company’s ability to maintain this growth trajectory will be critical as the housing market evolves.
Profitability and Efficiency Metrics
Aptus Value Housing Finance has showcased impressive profitability metrics, reporting a net profit of ₹843 Cr for the fiscal year ending March 2025, up from ₹503 Cr in FY 2023. This growth is complemented by an operating profit margin (OPM) of 84%, which is significantly higher than the typical range for the housing finance sector, often between 60-70%. The return on equity (ROE) stood at 18.6%, indicating efficient use of shareholder funds, while the return on capital employed (ROCE) was reported at 15%, reflecting effective capital utilization. The interest coverage ratio (ICR) of 2.83x suggests that the company generates sufficient earnings to cover its interest expenses, a crucial factor in maintaining financial stability. However, the rising interest expenses, which grew from ₹277 Cr in FY 2023 to ₹542 Cr in FY 2025, warrant close monitoring as they could impact future profitability if not managed effectively.
Balance Sheet Strength and Financial Ratios
Aptus exhibited a robust balance sheet, with total assets reported at ₹11,243 Cr as of March 2025, against borrowings of ₹7,313 Cr. This indicates a debt-to-equity ratio of 1.59, which is relatively healthy for the housing finance sector. The company’s reserves increased to ₹4,557 Cr, showcasing its ability to retain earnings and strengthen its capital base. The current ratio of 1.62 signifies adequate liquidity, essential for meeting short-term obligations. Furthermore, the company’s book value per share stood at ₹86.36, reflecting a solid foundation for equity holders. However, the total debt/equity ratio, while manageable, is on the higher side compared to industry averages, indicating potential risks in terms of leverage. The company’s ability to navigate these financial ratios effectively will be crucial for sustaining growth and ensuring long-term stability.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Aptus Value Housing Finance indicates a diversified ownership structure, with promoters holding 23.87% of the company, while foreign institutional investors (FIIs) own 35.36% and domestic institutional investors (DIIs) hold 25.87%. The public ownership stands at 14.89%, with a total of 1,60,741 shareholders reported. The gradual decline in promoter shareholding from 62.21% in December 2022 to the current level raises questions about management’s confidence in the company’s future direction. However, the increasing stake of FIIs from 14.05% in December 2022 to 35.36% reflects growing investor confidence in Aptus’s growth potential. This trend is significant as it indicates a shift towards institutional backing, which generally enhances market perception and stability. However, the fluctuating promoter shareholding could be a potential red flag that requires further scrutiny from investors.
Outlook, Risks, and Final Insight
The outlook for Aptus Value Housing Finance appears promising, supported by strong revenue growth, healthy profitability metrics, and a solid balance sheet. However, the company faces several risks, including rising interest expenses and the potential volatility in the housing market, which could impact loan demand. Additionally, the high leverage indicated by a debt/equity ratio of 1.59 suggests that any downturn in the economy may disproportionately affect the company’s financial health. To mitigate these risks, Aptus must focus on maintaining its operational efficiency and managing its debt levels prudently. In scenarios where interest rates stabilize or decline, Aptus could capitalize on increased loan demand, enhancing its profitability further. Conversely, if economic conditions worsen, the company may need to adopt more conservative lending practices, which could slow growth. Overall, its ability to navigate these challenges will be critical in determining long-term success.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 42.1 Cr. | 42.1 | 55.0/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 11,593 Cr. | 1,116 | 1,519/839 | 25.6 | 388 | 0.33 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,065 Cr. | 281 | 365/268 | 16.7 | 93.0 | 1.60 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,554 Cr. | 408 | 464/308 | 5.85 | 557 | 0.98 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 24,587 Cr. | 944 | 1,142/746 | 11.2 | 690 | 0.53 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,434.50 Cr | 422.32 | 11.54 | 332.03 | 0.99% | 48.21% | 13.33% | 5.64 |
All Competitor Stocks of Aptus Value Housing Finance India Ltd
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 268 | 286 | 299 | 306 | 334 | 351 | 375 | 395 | 421 | 450 | 484 | 520 | 544 |
| Expenses | 51 | 47 | 55 | 45 | 56 | 59 | 61 | 61 | 68 | 67 | 75 | 81 | 91 |
| Operating Profit | 217 | 239 | 243 | 260 | 277 | 293 | 313 | 334 | 353 | 383 | 409 | 439 | 453 |
| OPM % | 81% | 83% | 82% | 85% | 83% | 83% | 84% | 85% | 84% | 85% | 84% | 84% | 83% |
| Other Income | 9 | 9 | 12 | 10 | 11 | 13 | 13 | 10 | 14 | 9 | 15 | 10 | 10 |
| Interest | 67 | 77 | 78 | 85 | 96 | 98 | 109 | 120 | 128 | 143 | 150 | 160 | 165 |
| Depreciation | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 |
| Profit before tax | 157 | 168 | 176 | 183 | 190 | 205 | 215 | 222 | 237 | 246 | 271 | 286 | 294 |
| Tax % | 21% | 25% | 23% | 22% | 22% | 23% | 24% | 23% | 23% | 22% | 24% | 23% | 23% |
| Net Profit | 123 | 126 | 135 | 142 | 148 | 158 | 164 | 172 | 182 | 190 | 207 | 219 | 227 |
| EPS in Rs | 2.48 | 2.52 | 2.72 | 2.86 | 2.97 | 3.16 | 3.29 | 3.44 | 3.64 | 3.81 | 4.14 | 4.39 | 4.53 |
Last Updated: December 28, 2025, 3:02 am
Below is a detailed analysis of the quarterly 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 Sales, as of Sep 2025, the value is 544.00 Cr.. The value appears strong and on an upward trend. It has increased from 520.00 Cr. (Jun 2025) to 544.00 Cr., marking an increase of 24.00 Cr..
- For Expenses, as of Sep 2025, the value is 91.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 81.00 Cr. (Jun 2025) to 91.00 Cr., marking an increase of 10.00 Cr..
- For Operating Profit, as of Sep 2025, the value is 453.00 Cr.. The value appears strong and on an upward trend. It has increased from 439.00 Cr. (Jun 2025) to 453.00 Cr., marking an increase of 14.00 Cr..
- For OPM %, as of Sep 2025, the value is 83.00%. The value appears to be declining and may need further review. It has decreased from 84.00% (Jun 2025) to 83.00%, marking a decrease of 1.00%.
- For Other Income, as of Sep 2025, the value is 10.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 10.00 Cr..
- For Interest, as of Sep 2025, the value is 165.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 160.00 Cr. (Jun 2025) to 165.00 Cr., marking an increase of 5.00 Cr..
- For Depreciation, as of Sep 2025, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 3.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 294.00 Cr.. The value appears strong and on an upward trend. It has increased from 286.00 Cr. (Jun 2025) to 294.00 Cr., marking an increase of 8.00 Cr..
- For Tax %, as of Sep 2025, the value is 23.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 23.00%.
- For Net Profit, as of Sep 2025, the value is 227.00 Cr.. The value appears strong and on an upward trend. It has increased from 219.00 Cr. (Jun 2025) to 227.00 Cr., marking an increase of 8.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 4.53. The value appears strong and on an upward trend. It has increased from 4.39 (Jun 2025) to 4.53, marking an increase of 0.14.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:12 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 | 1,998 |
| Expenses | 32 | 47 | 67 | 86 | 101 | 144 | 196 | 218 | 270 | 315 |
| Operating Profit | 94 | 154 | 258 | 414 | 539 | 670 | 897 | 1,147 | 1,480 | 1,684 |
| OPM % | 74% | 77% | 79% | 83% | 84% | 82% | 82% | 84% | 85% | 84% |
| Other Income | 0 | 3 | 13 | 23 | 19 | 26 | 40 | 44 | 48 | 44 |
| Interest | 36 | 53 | 115 | 185 | 207 | 209 | 277 | 389 | 542 | 618 |
| Depreciation | 2 | 2 | 3 | 6 | 6 | 7 | 7 | 9 | 12 | 13 |
| Profit before tax | 56 | 101 | 153 | 247 | 345 | 480 | 654 | 793 | 975 | 1,096 |
| Tax % | 34% | 34% | 27% | 15% | 23% | 23% | 23% | 23% | 23% | |
| Net Profit | 37 | 67 | 112 | 211 | 267 | 370 | 503 | 612 | 751 | 843 |
| EPS in Rs | 4.73 | 8.49 | 14.18 | 22.74 | 28.77 | 7.45 | 10.10 | 12.26 | 15.03 | 16.87 |
| 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
| 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 | 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 | 1.5 | 545.16 | 19,532,794 | 2025-04-22 14:12:24 | 0% |
| SBI Multicap Fund | 10,675,139 | 1.24 | 297.94 | 10,675,139 | 2025-04-22 14:59:34 | 0% |
| Kotak Small Cap Fund | 9,569,222 | 1.53 | 267.08 | 8,069,222 | 2025-12-15 07:01:10 | 18.59% |
| SBI Banking & Financial Services Fund | 7,435,950 | 2.12 | 207.54 | 3,366,270 | 2025-11-03 00:20:46 | 120.9% |
| SBI Flexicap Fund | 7,066,720 | 0.84 | 197.23 | N/A | N/A | N/A |
| Axis Small Cap Fund | 5,603,959 | 0.58 | 156.41 | N/A | N/A | N/A |
| Quant Small Cap Fund | 3,649,318 | 0.34 | 101.85 | N/A | N/A | N/A |
| Kotak Balanced Advantage Fund | 3,041,097 | 0.47 | 84.88 | N/A | N/A | N/A |
| HDFC Business Cycle Fund | 2,683,602 | 2.56 | 74.9 | N/A | N/A | N/A |
| Aditya Birla Sun Life Midcap Fund | 2,656,030 | 1.18 | 74.13 | 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: 11.54)
- 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
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | No. 8B, Doshi Towers, 8th Floor, Chennai (Madras) Tamil Nadu 600010 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. M Anandan | Executive Chairman |
| Mr. P Balaji | Managing Director |
| Mr. V G Kannan | Independent Director |
| Ms. Mona Kachhwaha | Independent Director |
| Mr. Anand Raghavan | Independent Director |
| Mr. Natarajan Ramasubramanian | Independent Director |
| Mr. N V Subba Rao | 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 28 December 2025) is 234.80 which is 16.44% lower the current market price of 281.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 14,065 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 14,065 Cr..
What is the current Stock Price of Aptus Value Housing Finance India Ltd as on 28 December 2025?
The current stock price of Aptus Value Housing Finance India Ltd as on 28 December 2025 is 281.
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.