Aptus Value Housing Finance India Limited
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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 20.1%
Concerns1
- Negative free cash flow (βΉ95 Cr)
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ1.29 K Cr | β | βΉ575.00 Cr | β | β | 15.2% | 18.9% | 19.5% |
| Mar 2024 | βΉ1.09 K Cr | β | βΉ481.00 Cr | β | β | 14.1% | 17.1% | 13.2% |
| Mar 2023 | βΉ929.00 Cr | β | βΉ425.00 Cr | β | β | 13.7% | 36.8% | 38.0% |
| Mar 2022 | βΉ679.00 Cr | β | βΉ308.00 Cr | β | β | 11.1% | 26.9% | 41.3% |
| Mar 2021 | βΉ535.00 Cr | β | βΉ218.00 Cr | β | β | 11.5% | 23.0% | 20.4% |
| Mar 2020 | βΉ435.00 Cr | β | βΉ181.00 Cr | β | β | 10.8% | 43.1% | 75.7% |
| Mar 2019 | βΉ304.00 Cr | β | βΉ103.00 Cr | β | β | 14.9% | 52.8% | 56.1% |
| Mar 2018 | βΉ199.00 Cr | β | βΉ66.00 Cr | β | β | 11.3% | 57.9% | 78.4% |
| Mar 2017 | βΉ126.00 Cr | β | βΉ37.00 Cr | β | β | 7.1% | 61.5% | 105.6% |
| Mar 2016 | βΉ78.00 Cr | β | βΉ18.00 Cr | β | β | 8.5% | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 1,418 |
| Total Expenses | 177 |
| EBIT / Operating Profit | 1,241 |
| OPM % | 88% |
| Other Income | 68 |
| Finance Costs | 446 |
| Depreciation & Amortisation | 13 |
| Profit Before Tax | 850 |
| Tax % | - |
| Net Profit / PAT | 668 |
| EPS (βΉ) | 13.36 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Aptus Value Housing Finance India Limitedthis co. | βΉ13.73 K Cr | βΉ1.29 K Cr | 20.60 | 3.40 | 17.15 | 18.9% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |