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Aptus Value Housing Finance India Limited

Aptus Value Housing Finance India Limited

APTUS.BO
Aptus Value Housing Finance India LimitedIN flagBombay Stock Exchange
263.00
INR
+5.45
- -
131.70BMarket Cap
Aptus Value Housing Finance India Limited
APTUS.BO
(Bombay Stock Exchange)

Recent

price

263.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
5.61
7.05
9.41
12.93
17.24
20.48
25.18
31.91
24.17
Revenue per Share
2.83
4.4
5.56
7.58
10.11
12.27
15.04
18.84
14.33
Basic EPS, GAAP
-18.11
-15.31
-12.94
-14.82
-21.04
-27.19
-28.12
-11.84
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
2
4
4.5
4.5
- -
Dividend per Share
6.31
9.01
13.32
19.25
24.98
30.76
38.24
2
2
Book Value per Share
17.71
35.6
41.23
59.71
67.1
75.54
86.4
101.08
101.19
Tangible Book Value per Share
394
480
480
488
498
499
499
501
500
Basic Weighted Avg Shares
2,209
3,386
4,517
6,316
8,577
10,213
12,579
15,970
12,084
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
55
58
57
66
72
93
121
133
101
Depreciation Expense
1,115
2,110
2,669
3,701
5,030
6,119
7,512
9,429
7,164
Net Income, GAAP
27
14.67
22.65
22.89
23.05
22.85
22.94
22.15
21.87
Effective Tax Rate (%)
50.47
62.32
59.1
58.6
58.65
59.91
59.72
59.04
59.29
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
16,061
20,216
25,151
27,284
37,958
51,996
68,731
79,038
79,038
LT Debt
6,984
17,090
19,795
29,162
33,393
37,679
43,167
50,600
50,600
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
61.97
49.8
46.86
46.08
44.07
43.63
93.81
71.27
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
501
- -
501
Market Capitalization
159,654
139,428
97,359

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
5,907
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
21.29%
17.22%
Free Cash Flow
- -
7.3%
-57.83%
Net Income, GAAP
- -
28.9%
25.52%
Sales/Revenue/Turnover
- -
28.97%
26.96%
Total Cash Common Dividend
- -
- -
0.18%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,306
2,495
2,642
2,863
10,213
2025
2,848
3,065
3,218
3,495
12,579
2026
3,697
- -
4,060
4,326
15,970

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.86
2.97
3.16
- -
12.27
2025
3.44
3.65
3.82
4.15
15.04
2026
4.39
- -
4.72
5.22
18.84

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
4
2025
- -
- -
- -
- -
4.5
2026
- -
- -
- -
- -
4.5
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Business
Aptus Value Housing Finance India Limited (APTUS.BO) operates as a housing finance company focused on providing affordable loans to self-employed individuals and low- to middle-income families in semi-urban and rural areas of India. Founded in 2009 and headquartered in Chennai, Tamil Nadu, the company offers home loans for construction, purchase, renovation, and extension on customer-owned land or existing properties; business loans secured by self-occupied property up to 60% of value; quasi-home loans up to Rs. 25 lakhs for refinancing construction or house purchases; and insurance support including credit shield and property insurance through partnerships with insurers. It maintains a network of over 320 branches across 6 states and union territories, serving more than 172,000 customers with a loan book exceeding Rs. 11,700 crore as of late 2025. Recent developments include expansion to 321 branches with 20 new additions in Q2 FY26, primarily in Maharashtra and Odisha; allotment of 15,000 secured non-convertible debentures worth Rs. 150 crore in November 2025 at 7.95% coupon for a 5-year tenor; and ESOP allotments of 62,500 equity shares in November 2025, alongside sustained 22% year-over-year assets under management growth to Rs. 11,767 crore.