Aptus Value Housing Finance India Limited
₹191.80-₹8.60 (-4.3%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹13,728 Cr
- P/E
- 20.6x
- EV / EBITDA
- 17.2x
- Revenue
- ₹1,294 Cr
- Net margin
- 44.2%
- ROCE
- 12.9%
Price chart
Technical chartScreen technicals →-38.6% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -17.6%
- 3M
- -30.8%
- 6M
- -26.4%
- 1Y
- -38.6%
- 5Y
- -44.8%
52-week range
Day change -₹8.60 (-4.3%) from ₹200 to ₹192 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in APTUS, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 20.1%
Concerns1
- Negative free cash flow (₹736 Cr)
Rule-based from financial data. Not advice.
About the company
Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions in India. The company offers home and quasi-home loans for the purchase, construction, renovation, and extension of houses; loans against property for construction and purchase of houses; and secured, small business, and refinance loans.
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Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions in India. The company offers home and quasi-home loans for the purchase, construction, renovation, and extension of houses; loans against property for construction and purchase of houses; and secured, small business, and refinance loans. It also provides life, credit shield, and property insurance products. The company serves individual homebuyers; low and middle income salaried and self-employed individuals; and first-time homeowners from rural and semi-urban areas. Aptus Value Housing Finance India Limited was incorporated in 2009 and is headquartered in Chennai, India.
- Sector
- Financial Services
- Shares outstanding
- 50.1 Cr shares
- ISIN
- INE852O01025
- BSE code
- 543335
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹13,728 Cr
- P/E
- 20.6x
- P/B
- 3.4x
- EV / EBITDA
- 17.2x
- EV / Sales
- 15.0x
- P/S
- 12.6x
- Earnings yield
- 4.9%
- 52-week high
- ₹319.60
- 52-week low
- ₹191.80
Profitability
- Operating margin
- 84.7%
- Net margin
- 44.2%
- EBITDA margin
- 87.2%
- ROE
- 15.2%
- ROCE
- 12.9%
- ROA
- 6.5%
- Dividend payout
- 47.0%
- Tax rate
- 22.0%
- Other income, % of PBT
- 4.5%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,294 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 18.9%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 20.1%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹949 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 19.1%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 19.5%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 21.6%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹508 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -55.0%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹95.0 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 12.2%
Solvency and efficiency
- Current ratio
- 211.80
- Debt / Assets
- 0.54
- Debt / EBITDA
- 4.21
- Financial leverage
- 2.18
- CFO / Net profit
- -1.06
- Cash / Market cap
- 52.5%
- Cash per share
- ₹143.83
- Asset turnover
- 0.15
- Fixed asset turnover
- 49.45
- Capital intensity
- 0.02
- Debtor days
- 0 days
- Cash conversion cycle
- 0 days
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹44 was left as net profit.
| From | To | Amount |
|---|---|---|
| Sales | Expenses | ₹175 Cr |
| Sales | Operating profit | ₹1,119 Cr |
| Operating profit | Interest | ₹406 Cr |
| Operating profit | Depreciation | ₹12 Cr |
| Operating profit | Profit before tax | ₹701 Cr |
| Other income | Profit before tax | ₹37 Cr |
| Profit before tax | Tax and other | ₹162 Cr |
| Profit before tax | Net profit | ₹575 Cr |
Revenue and net profit
Revenue grew 18.9% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹535 Cr | ₹218 Cr |
| FY2022 | ₹679 Cr | ₹308 Cr |
| FY2023 | ₹929 Cr | ₹425 Cr |
| FY2024 | ₹1,088 Cr | ₹481 Cr |
| FY2025 | ₹1,294 Cr | ₹575 Cr |
Cash flows
FY2025: -₹641 Cr from operations, -₹736 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹488 Cr | -₹420 Cr |
| FY2022 | -₹676 Cr | -₹738 Cr |
| FY2023 | -₹1,129 Cr | -₹1,019 Cr |
| FY2024 | -₹508 Cr | -₹487 Cr |
| FY2025 | -₹641 Cr | -₹736 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹1,294 Cr+18.9%1Y
- Net profit
- ₹575 Cr+19.5%1Y
- Cash from operations
- -₹641 Cr
- Free cash flow
- -₹736 Cr
- Revenue CAGR, 5Y
- 20.1%
- EBITDA CAGR, 5Y
- 19.9%
- Net profit CAGR, 5Y
- 21.6%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹1,294 Cr | ₹1,119 Cr | — | ₹575 Cr | -₹641 Cr | -₹736 Cr | 15.2% | +18.9% | +19.5% |
Monthly returns
Month-by-month returns of APTUS across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹8,684 Cr |
| Equity capital | ₹100 Cr |
| Reserves | ₹3,681 Cr |
| Borrowings | ₹4,855 Cr |
| Other liabilities | ₹48 Cr |
| Assets | ₹8,684 Cr |
| Fixed assets | ₹35 Cr |
| Capital work in progress | ₹0 Cr |
| Investments | ₹209 Cr |
| Other assets | ₹8,440 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
APTUS trades at 20.6x earnings against a peer median of 26.9x (a 23% discount).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Aptus Value Housing Finance India LimitedAPTUSthis companyP/E ↓ discount | ₹13,728 Cr | 20.6x | 3.4x | 15.2% | 17.2x |
| Maharashtra Scooters Ltd.MAHSCOOTER | ₹15,766 Cr | 50.8x | 0.5x | 0.7% | 77.3x |
| IFCI Ltd.IFCI | ₹15,574 Cr | 65.7x | 8.8x | 2.5% | 18.3x |
| Five-Star Business Finance Ltd.FIVESTAR | ₹15,268 Cr | 13.8x | 2.2x | 17.0% | — |
| NIVA BUPA HEALTH INSURANCE COMPANY LIMITEDNIVABUPA | ₹14,417 Cr | 156.0x | 3.8x | 7.0% | 130.9x |
| UTI Asset Management Company LimitedUTIAMC | ₹13,871 Cr | 21.4x | 3.9x | 17.3% | 17.0x |
| Canara HSBC Life Insurance Company LimitedCANHLIFE | ₹13,445 Cr | 111.0x | — | 7.7% | 89.7x |
| JM Financial LimitedJMFINANCIL | ₹12,963 Cr | 22.3x | 2.8x | 12.1% | 30.1x |
| Indian Energy Exchange LimitedIEX | ₹12,598 Cr | 28.0x | 10.4x | 37.8% | 26.1x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
APTUS since 1 January, against earlier years.
Historical volatility
APTUS's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 84.0% |
| FY2022 | 82.0% |
| FY2023 | 82.0% |
| FY2024 | 85.0% |
| FY2025 | 86.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹1,294 Cr |
| Costs | |
| Interest | ₹406 Cr |
| Expenses | ₹175 Cr |
| Operating profitOperating Profit | ₹1,119 Cr |
| Other income and charges | |
| Profit before tax | ₹737 Cr |
| Tax | |
| Net profitNet Profit | ₹575 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹8,684 Cr |
| Equity capitalEquity Capital | ₹100 Cr |
| Reserves | ₹3,681 Cr |
| Borrowings | ₹4,855 Cr |
| Other liabilitiesOther Liabilities | ₹48 Cr |
| AssetsTotal Assets | ₹8,684 Cr |
| Fixed assetsFixed Assets | ₹35 Cr |
| Capital work in progressCWIP | ₹0 Cr |
| Investments | ₹209 Cr |
| Other assetsOther Assets | ₹8,440 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹641 Cr |
| Investing cash flowCash from Investing Activity | -₹95 Cr |
| Financing cash flowCash from Financing Activity | ₹641 Cr |
| Change in cashNet Cash Flow | -₹95 Cr |
Learn while you research
Academy chapters picked for Aptus Value Housing Finance India Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read