Price
Financials
Consolidated, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 334 | 351 | 375 | 395 | 421 | 450 | 484 | 520 | 544 | 554 | 574 | 600 |
| Interest | 96 | 98 | 109 | 120 | 128 | 143 | 150 | 160 | 165 | 162 | 161 | 170 |
| Expenses | 56 | 59 | 61 | 61 | 68 | 67 | 75 | 81 | 91 | 99 | 101 | 108 |
| Financing Profit | 181 | 194 | 205 | 215 | 225 | 240 | 259 | 279 | 288 | 292 | 312 | 322 |
| Financing Margin % | 54% | 55% | 55% | 54% | 53% | 53% | 54% | 54% | 53% | 53% | 54% | 54% |
| Other Income | 11 | 13 | 13 | 10 | 14 | 9 | 15 | 10 | 10 | 15 | 19 | 10 |
| Depreciation | 3 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 4 | 3 |
| Profit before tax | 190 | 205 | 215 | 222 | 237 | 246 | 271 | 286 | 294 | 304 | 328 | 329 |
| Tax % | 22% | 23% | 24% | 23% | 23% | 22% | 24% | 23% | 23% | 22% | 20% | 21% |
| Net Profit | 148 | 158 | 164 | 172 | 182 | 190 | 207 | 219 | 227 | 236 | 261 | 261 |
| EPS in Rs | 2.97 | 3.16 | 3.29 | 3.44 | 3.64 | 3.81 | 4.14 | 4.39 | 4.53 | 4.72 | 5.21 | 5.21 |
| Gross NPA % | 1.19% | 1.19% | 1.07% | 1.32% | 1.25% | 1.28% | 1.19% | 1.49% | 1.55% | 1.56% | 1.52% | 1.70% |
| Net NPA % | 0.89% | 0.89% | 0.80% | 0.98% | 0.94% | 0.96% | 0.89% | 1.12% | 1.17% | 1.18% | 1.15% | 1.29% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 126 | 201 | 325 | 500 | 640 | 815 | 1,093 | 1,365 | 1,750 | 2,192 | 2,272 |
| Interest | 36 | 53 | 115 | 185 | 207 | 209 | 277 | 389 | 542 | 650 | 658 |
| Expenses | 32 | 47 | 67 | 86 | 101 | 144 | 196 | 218 | 270 | 371 | 400 |
| Financing Profit | 58 | 101 | 143 | 230 | 332 | 461 | 621 | 758 | 939 | 1,171 | 1,215 |
| Financing Margin % | 46% | 50% | 44% | 46% | 52% | 57% | 57% | 56% | 54% | 53% | 53% |
| Other Income | 0 | 3 | 13 | 23 | 19 | 26 | 40 | 44 | 48 | 53 | 54 |
| Depreciation | 2 | 2 | 3 | 6 | 6 | 7 | 7 | 9 | 12 | 13 | 14 |
| Profit before tax | 56 | 101 | 153 | 247 | 345 | 480 | 654 | 793 | 975 | 1,211 | 1,255 |
| Tax % | 34% | 34% | 27% | 15% | 23% | 23% | 23% | 23% | 23% | 22% | |
| Net Profit | 37 | 67 | 112 | 211 | 267 | 370 | 503 | 612 | 751 | 943 | 985 |
| EPS in Rs | 4.73 | 8.49 | 14.18 | 22.74 | 28.77 | 7.45 | 10.10 | 12.26 | 15.03 | 18.83 | 19.67 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 20% | 37% | 30% | 24% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | % | 28% | 26% | 21% | ||
| Compounded Profit Growth | % | 29% | 23% | 23% | ||
| Stock Price CAGR | % | -5% | -7% | -27% | ||
| Return on Equity | 17% | 18% | 19% | 20% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 4,960 |
| Borrowing | 306 | 840 | 1,603 | 2,022 | 2,515 | 2,728 | 3,796 | 5,200 | 6,873 | 7,904 |
| Other Liabilities | 18 | 40 | 61 | 16 | 26 | 39 | 41 | 37 | 54 | 84 |
| Total Liabilities | 845 | 1,465 | 2,362 | 3,747 | 4,520 | 5,684 | 7,176 | 9,005 | 11,243 | 13,048 |
| Fixed Assets | 5 | 4 | 4 | 10 | 10 | 12 | 15 | 22 | 35 | 39 |
| 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 | 12,768 |
| Total Assets | 845 | 1,465 | 2,362 | 3,747 | 4,520 | 5,684 | 7,176 | 9,005 | 11,243 | 13,048 |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -303 | -495 | -714 | -735 | -621 | -724 | -1,047 | -1,356 | -1,405 | -489 |
| Cash from Investing Activity | 2 | 8 | 0 | -97 | 65 | -62 | 111 | 21 | -90 | -72 |
| Cash from Financing Activity | 300 | 534 | 764 | 1,209 | 495 | 768 | 978 | 1,224 | 1,461 | 822 |
| Net Cash Flow | -1 | 47 | 51 | 377 | -61 | -18 | 42 | -111 | -34 | 261 |
| Free Cash Flow | -303 | -498 | -717 | -737 | -622 | -727 | -1,050 | -1,361 | -1,412 | -496 |
| CFO/OP | -306% | -303% | -262% | -164% | -100% | -90% | -99% | -102% | -80% | -14% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 7% | 12% | 17% | 18% | 14% | 15% | 16% | 17% | 19% | 20% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 62.13% | 62.10% | 61.10% | 54.09% | 53.90% | 52.99% | 52.99% | 40.37% | 23.87% | 23.86% | 23.86% | 23.86% |
| FIIs | 14.83% | 15.42% | 19.58% | 22.81% | 22.45% | 21.86% | 27.74% | 30.41% | 35.36% | 33.19% | 30.34% | 29.96% |
| DIIs | 2.78% | 5.21% | 5.11% | 9.14% | 9.48% | 9.68% | 9.88% | 16.04% | 25.87% | 27.29% | 29.43% | 29.90% |
| Public | 20.27% | 17.28% | 14.22% | 13.96% | 14.16% | 15.47% | 9.40% | 13.19% | 14.89% | 15.65% | 16.35% | 16.27% |
| No. of Shareholders | 1,36,988 | 1,42,117 | 1,29,415 | 1,30,289 | 1,53,109 | 1,64,387 | 1,55,270 | 1,64,752 | 1,60,741 | 1,66,729 | 1,66,229 | 1,66,122 |
Fundamentals
Market Cap₹ 11,686 Cr.
Current Price₹ 233
Stock P/E11.9
Book Value₹ 101
ROCE15.4 %
ROE20.1 %
Dividend Yield1.93 %
Face Value₹ 2.00
Compounded Sales Growth (TTM)21%
Compounded Profit Growth (TTM)23%
Consolidated figures.
Valuation
Market capRs 11,337 Cr
Enterprise valueRs 18,650 Cr
P/E (TTM)11.51x
Price to book2.24x
Price to sales4.99x
EV / EBITDA9.68x
EV / EBIT9.75x
EV / sales8.21x
Earnings yield8.69%
Dividend yield1.99%
P/E, 3-year average18.38x
P/B, 3-year average3.14x
P/E, 5-year average24.98x
P/B, 5-year average3.77x
Profitability
Operating margin (excl. other income)83.07%
Operating margin (incl. other income)85.50%
EBITDA margin84.76%
Pre-tax margin55.22%
Net profit margin43.33%
Net margin, latest quarter43.47%
ROE20.11%
ROCE15.41%
ROA7.76%
ROE, 3-year average18.64%
ROCE, 3-year average15.05%
ROA, 3-year average7.58%
ROE, 5-year average17.42%
ROCE, 5-year average14.66%
ROA, 5-year average7.56%
ROIC (approx.)12.03%
Tax rate22.15%
Other income / net worth1.05%
Growth
Sales growth (latest year)25.24%
Profit growth (latest year)25.52%
Sales CAGR, 3 years26.10%
Sales CAGR, 5 years27.94%
Profit CAGR, 3 years23.30%
Profit CAGR, 5 years28.71%
Sales growth QoQ4.52%
Profit growth QoQ-0.00%
Sales growth YoY (latest quarter)15.38%
Profit growth YoY (latest quarter)19.01%
Per share
EPS (TTM)Rs 19.66
EPS (latest year)Rs 18.83
EPS (latest quarter)Rs 5.21
EPS, 3-year averageRs 15.38
EPS, 5-year averageRs 12.73
Book value per shareRs 101.05
Sales per shareRs 45.38
Cash flow per shareRs -9.77
Free cash flow per shareRs -9.91
Dividend per share (latest year)Rs 4.50
Dividend per share, 3-year averageRs 4.50
Dividend per share, 5-year averageRs 3.87
Dividends
Dividend payout23.90%
Dividend payout, 3-year average30.17%
Dividend payout, 5-year average27.58%
Efficiency
Asset turnover0.17x
Fixed asset turnover55.77x
Leverage
Total debtRs 7,904 Cr
Cash and bankRs 591 Cr
Net debtRs 7,313 Cr
Debt to equity1.56x
Net debt / EBITDA3.80x
Interest coverage2.91x
Owners' fund to total sources38.78%
Debt to assets60.58%
Cash flow
Cash from Operating Activity (latest year)Rs -489 Cr
Cash from Investing Activity (latest year)Rs -72 Cr
Cash from Financing Activity (latest year)Rs 822 Cr
Net Cash Flow (latest year)Rs 261 Cr
Free cash flow (latest year)Rs -496 Cr
FCFE (approx.: FCF + change in debt)Rs 535 Cr
Cash from ops / profit, 5 years-1.58x
Statement figures
Net sales (TTM)Rs 2,272 Cr
Net sales (latest year)Rs 2,192 Cr
Sales (latest quarter)Rs 600 Cr
Operating profit excl. other income (latest year)Rs 1,821 Cr
Operating profit (latest quarter)Rs 492 Cr
Other income (TTM)Rs 54 Cr
EBITDA (TTM)Rs 1,926 Cr
PBDT (TTM)Rs 1,268 Cr
Profit before tax (TTM)Rs 1,255 Cr
Tax (latest year)Rs 268 Cr
Net profit (TTM)Rs 985 Cr
Net profit (latest year)Rs 943 Cr
Net profit (latest quarter)Rs 261 Cr
Depreciation (TTM)Rs 14 Cr
Depreciation (latest quarter)Rs 3 Cr
Interest (TTM)Rs 658 Cr
Cost of goods sold (latest year)Rs 4 Cr
Total expenditure (latest year)Rs 371 Cr
Total income (latest year)Rs 2,245 Cr
Share capitalRs 100 Cr
ReservesRs 4,960 Cr
Shareholders' fundsRs 5,060 Cr
Total assetsRs 13,048 Cr
Net blockRs 39 Cr
InvestmentsRs 240 Cr
Other liabilitiesRs 84 Cr
Shares outstanding (crore)50.07
Ownership
Promoter holding23.86% (-16.51 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 11.5 is at the 2th percentile of its own 5.2-year range
(median 28.8, low 11.0, high 69.3).
P/B 2.24 is the lowest in 5.2 years (median 4.34).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | APTUS | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -6.0% | -2.8% | -3.2 pts |
| 1 month | -10.6% | -6.8% | -3.8 pts |
| 3 months | -21.3% | -7.6% | -13.7 pts |
| 6 months | +16.4% | +0.4% | +16.0 pts |
| 1 year | -28.5% | -9.9% | -18.6 pts |
| 2 years | -39.0% | -13.6% | -25.4 pts |
| 3 years | -22.6% | +14.2% | -36.7 pts |
| 5 years | -26.6% | +27.9% | -54.5 pts |
82 mutual fund schemes hold about ₹3,283 Cr.
Over three months 73 bought more and 6 sold (share counts, price move removed).
| Fund | Weight | Est. Cr | 3m shares |
|---|---|---|---|
| SBI Small Cap Fund | 1.14% | 486 | +7% |
| Kotak Small Cap Fund | 1.43% | 282 | +8% |
| SBI Multicap Fund | 1.08% | 266 | +10% |
| SBI Banking & Financial Services Fund | 1.70% | 185 | +13% |
| SBI Flexicap Fund | 0.76% | 176 | +11% |
| Bandhan Small Cap Fund | 0.49% | 167 | +2% |
| ICICI Pru Banking & Fin Serv Fund | 1.29% | 146 | +9% |
| ICICI Pru Banking & Fin Serv Fund | 1.29% | 145 | +9% |
| Axis Small Cap Fund | 0.44% | 139 | +6% |
| Nippon India Banking & Financial Services Fund | 1.07% | 85 | +26% |
| Kotak Balanced Advantage Fund | 0.46% | 80 | +13% |
| Aditya Birla SL Midcap Fund | 1.14% | 79 | +10% |
| Aditya Birla SL Midcap Fund | 1.14% | 77 | +10% |
| Aditya Birla SL Value Fund | 0.97% | 67 | +29% |
| Aditya Birla SL Banking & Financial Services Fund | 1.79% | 66 | +14% |
| Aditya Birla SL Small Cap Fund | 0.91% | 57 | +9% |
| Nippon India Flexi Cap Fund | 0.57% | 56 | +11% |
| HDFC Business Cycle Fund | 1.79% | 50 | -18% |
| Kotak Contra Fund | 0.82% | 45 | -19% |
| Bandhan Value Fund | 0.42% | 42 | +13% |
| Kotak Pioneer Fund | 0.86% | 37 | +3% |
| Kotak Business Cycle Fund | 1.04% | 37 | +7% |
| Aditya Birla SL MNC Fund | 1.06% | 35 | +12% |
| SBI Conservative Hybrid Fund(Q | 0.33% | 34 | +13% |
| Motilal Oswal Large Cap Fund | 1.03% | 32 | +15% |
Red flags
F-score 5 of 8| explain | Weak cash conversion Cash from operations was -141% of net profit over the last 3 years |
| explain | High accruals Profit exceeded operating cash by 11% of total assets in 2026 |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹600 Cr +15.4% vs Jun 2025.
Net profit ₹261 Cr +19.2%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Housing Finance Ltd | 67,709 | 25.0 | 8.85 % |
| Piramal Finance Ltd | 50,343 | 112 | 6.47 % |
| LIC Housing Finance Ltd | 30,171 | 5.26 | 8.59 % |
| PNB Housing Finance Ltd | 28,641 | 12.2 | 9.44 % |
| Aadhar Housing Finance Ltd | 18,960 | 16.4 | 11.4 % |
| Sammaan Capital Ltd | 15,853 | 4.92 % | |
| Home First Finance Company India Ltd | 11,443 | 19.7 | 11.1 % |
| AAVAS Financiers Ltd | 9,899 | 14.4 | 9.92 % |
| Can Fin Homes Ltd | 9,743 | 8.62 | 9.14 % |
| India Shelter Finance Corporation Ltd | 6,986 | 13.2 | 12.9 % |
| Repco Home Finance Ltd | 2,161 | 4.49 | 10.1 % |
| GIC Housing Finance Ltd | 723 | 4.60 | 7.71 % |
| SRG Housing Finance Ltd | 221 | 6.46 | 11.8 % |
| Reliance Home Finance Ltd | 76 | -432 % | |
| Ind Bank Housing Ltd | 51 | 13.0 | -1.11 % |
No bulk or block deals on record.
| Ex-date | Action | Factor |
|---|---|---|
| 2026-05-15 | Interim Dividend - Rs 2.50 Per Share | |
| 2025-11-07 | Interim Dividend - Rs 2 Per Share | |
| 2025-05-16 | Interim Dividend - Rs 2.5 Per Share | |
| 2024-11-14 | Interim Dividend - Rs 2 Per Share | |
| 2024-05-15 | Interim Dividend - Rs 2.50 Per Share | |
| 2024-02-09 | Interim Dividend - Rs 2 Per Share | |
| 2023-05-12 | Interim Dividend - Rs 2 Per Share | |
| 2022-12-08 | Interim Dividend - Rs 2 Per Share | |
| 2021-09-21 | Annual General Meeting |
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd (APTUS) has a market capitalisation of Rs 11,686 Cr. at the 2026-10-01 close.
What is the P/E ratio of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd trades at a P/E of 11.9 on trailing twelve-month profit, at the 2026-10-01 close.
What were Aptus Value Housing Finance India Ltd's latest quarterly results?
In the Jun 2026 quarter, Aptus Value Housing Finance India Ltd revenue was Rs 600 Cr (+15.4% vs Jun 2025) and net profit was Rs 261 Cr.
What is the 52-week high and low of Aptus Value Housing Finance India Ltd?
The 52-week high is Rs 332.00 and the 52-week low is Rs 193.03.