NSE / BSEFinancial Services
β‚Ή281.45+2.35+0.84%
P/E20.6Mkt Capβ‚Ή13.73 K CrEV/EBITDA17.2

Aptus Value Housing Finance India Limited

P/E20.6Mkt Capβ‚Ή13.73 K CrEV/EBITDA17.2
Company Profile

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

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
0.0x
β€”
EV / Sales
0.0x
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–Ό 17.03% over 1Y
Monthly Returns

Historically, Apr has averaged the highest return (+8.5%); Mar the lowest (-7.4%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-1.2%Neutral MonthJan 2026: -1.24%-11.4%Negative MonthFeb 2026: -11.39%-20.3%Negative MonthMar 2026: -20.27%+33.7%Positive MonthApr 2026: +33.74%-0.1%Neutral MonthMay 2026: -0.10%+7.2%Positive MonthJun 2026: +7.24%+0.9%*Neutral MonthJul 2026: +0.86%β€”β€”β€”β€”β€”
2025+4.7%Positive MonthJan 2025: +4.68%+1.3%Neutral MonthFeb 2025: +1.32%-3.9%Negative MonthMar 2025: -3.88%+7.9%Positive MonthApr 2025: +7.93%+6.8%Positive MonthMay 2025: +6.75%-4.7%Negative MonthJun 2025: -4.72%+1.1%Neutral MonthJul 2025: +1.13%-2.9%Negative MonthAug 2025: -2.95%+0.6%Neutral MonthSep 2025: +0.63%-0.7%Neutral MonthOct 2025: -0.66%-12.2%Negative MonthNov 2025: -12.16%-0.0%Neutral MonthDec 2025: -0.04%
2024+17.2%Positive MonthJan 2024: +17.16%-6.3%Negative MonthFeb 2024: -6.26%-12.0%Negative MonthMar 2024: -12.05%+6.0%Positive MonthApr 2024: +5.97%-8.3%Negative MonthMay 2024: -8.33%+10.0%Positive MonthJun 2024: +10.05%-4.3%Negative MonthJul 2024: -4.29%+3.2%Positive MonthAug 2024: +3.18%+9.5%Positive MonthSep 2024: +9.52%-0.6%Neutral MonthOct 2024: -0.63%-9.8%Negative MonthNov 2024: -9.79%-9.6%Negative MonthDec 2024: -9.58%
2023-8.8%Negative MonthJan 2023: -8.79%-12.7%Negative MonthFeb 2023: -12.66%+0.4%Neutral MonthMar 2023: +0.35%-1.4%Neutral MonthApr 2023: -1.40%+8.9%Positive MonthMay 2023: +8.94%-4.9%Negative MonthJun 2023: -4.90%+10.8%Positive MonthJul 2023: +10.80%-2.2%Negative MonthAug 2023: -2.16%+8.5%Positive MonthSep 2023: +8.46%-1.2%Neutral MonthOct 2023: -1.18%+0.1%Neutral MonthNov 2023: +0.10%+10.5%Positive MonthDec 2023: +10.55%
2022+5.5%Positive MonthJan 2022: +5.46%-4.1%Negative MonthFeb 2022: -4.15%-1.2%Neutral MonthMar 2022: -1.23%-3.8%Negative MonthApr 2022: -3.81%-12.6%Negative MonthMay 2022: -12.57%-2.0%Negative MonthJun 2022: -2.05%+0.7%Neutral MonthJul 2022: +0.71%+27.5%Positive MonthAug 2022: +27.49%-14.7%Negative MonthSep 2022: -14.71%+3.1%Positive MonthOct 2022: +3.06%+0.9%Neutral MonthNov 2022: +0.92%-4.6%Negative MonthDec 2022: -4.58%
2021β€”β€”β€”β€”β€”β€”β€”β€”-14.4%Negative MonthSep 2021: -14.38%+4.4%Positive MonthOct 2021: +4.40%-5.2%Negative MonthNov 2021: -5.18%+8.9%Positive MonthDec 2021: +8.89%
AvgΒ±SD+3.5%Β±8.5%-6.6%Β±5.1%-7.4%Β±7.7%+8.5%Β±13.4%-1.1%Β±8.3%+1.1%Β±6.3%+1.8%Β±4.9%+6.4%Β±12.4%-2.1%Β±10.6%+1.0%Β±2.3%-5.2%Β±5.2%+1.0%Β±7.7%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 1.008x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή 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

Revenueβ‚Ή1.29 K Crβ–² 18.9%
EBITDA Growthβ€”
Net Profitβ‚Ή575.00 Crβ–² 19.5%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 42.1%
Revenue CAGR 5Y20.1%
EBITDA CAGR 5Y19.9%
Net Profit CAGR 5Y21.6%
NP Growth 1Y19.5%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή1.29 K Crβ€”β‚Ή575.00 Crβ€”β€”15.2%18.9%19.5%
Mar 2024β‚Ή1.09 K Crβ€”β‚Ή481.00 Crβ€”β€”14.1%17.1%13.2%
Mar 2023β‚Ή929.00 Crβ€”β‚Ή425.00 Crβ€”β€”13.7%36.8%38.0%
Mar 2022β‚Ή679.00 Crβ€”β‚Ή308.00 Crβ€”β€”11.1%26.9%41.3%
Mar 2021β‚Ή535.00 Crβ€”β‚Ή218.00 Crβ€”β€”11.5%23.0%20.4%
Mar 2020β‚Ή435.00 Crβ€”β‚Ή181.00 Crβ€”β€”10.8%43.1%75.7%
Mar 2019β‚Ή304.00 Crβ€”β‚Ή103.00 Crβ€”β€”14.9%52.8%56.1%
Mar 2018β‚Ή199.00 Crβ€”β‚Ή66.00 Crβ€”β€”11.3%57.9%78.4%
Mar 2017β‚Ή126.00 Crβ€”β‚Ή37.00 Crβ€”β€”7.1%61.5%105.6%
Mar 2016β‚Ή78.00 Crβ€”β‚Ή18.00 Crβ€”β€”8.5%β€”β€”

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue / Net Sales781261993044355356799291,0881,2941,418
Total Expenses233346607285120167166175177
EBIT / Operating Profit55931532443634505597629211,1191,241
OPM %70%74%77%80%83%84%82%82%85%86%88%
Other Income0031120172435283768
Finance Costs283652112170182180243324406446
Depreciation & Amortisation1223667791213
Profit Before Tax2656101140207279396547617737850
Tax %33%34%34%27%13%22%22%22%22%22%-
Net Profit / PAT183766103181218308425481575668
EPS (β‚Ή)2.814.708.4513.0319.5523.486.208.539.6311.5113.36
Dividend Payout %0%0%0%0%0%0%0%23%47%39%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
Aptus Value Housing Finance India Limitedthis co.β‚Ή13.73 K Crβ‚Ή1.29 K Cr20.603.4017.1518.9%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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