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Aptus Value Housing Finance India Limited

Aptus Value Housing Finance India Limited

APTUS.NS
Aptus Value Housing Finance India LimitedIN flagNational Stock Exchange of India
285.50
INR
-2.35
- -
142.96BMarket Cap
Aptus Value Housing Finance India Limited
APTUS.NS
(National Stock Exchange of India)

Recent

price

285.50

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
- -
24.17
Revenue per Share
2.83
4.4
5.56
7.58
10.11
12.27
15.04
- -
14.33
Basic EPS, GAAP
-18.11
-15.31
-12.94
-14.82
-21.04
-27.19
-28.12
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
2
4
4.5
- -
- -
Dividend per Share
6.31
9.01
13.32
19.25
24.98
30.76
38.24
- -
2
Book Value per Share
17.71
35.6
41.23
59.71
67.1
75.54
86.4
- -
101.19
Tangible Book Value per Share
394
480
480
488
498
499
499
- -
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
159,555
139,428
97,269

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
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
4
2025
- -
- -
- -
- -
4.5
2026
- -
- -
- -
- -
- -
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Business
Aptus Value Housing Finance India Limited (APTUS.NS) is a Chennai-based housing finance company founded in 2009 that primarily addresses the housing finance needs of self-employed low- and middle-income families in semi-urban and rural India. The company offers a range of secured lending products including home loans for construction, purchase, renovation, and extension of residential properties; quasi-home loans up to Rs 25 lakhs for refinancing construction investments or house purchases; loans against property for business purposes with a maximum loan-to-value ratio of 60%; and business loans to individuals using self-occupied property as collateral. It also provides insurance support through collaborations with insurance providers for credit shield and property insurance pertinent to housing finance. Aptus operates 320 branches across six states and union territories, serving over 172,000 customers with a loan book of Rs 11,767 crore as of the latest reporting. Recent developments include the allotment of 15,000 secured non-convertible debentures aggregating Rs 150 crore in November 2025 with a five-year tenor and 7.95% coupon rate; direct assignment transactions for loan against property and small and medium enterprise loans commencing in fiscal 2025; expansion of its non-housing loan portfolio, which now constitutes a sizeable share of assets under management totaling Rs 10,845 crore as of March 31, 2025; a 22% year-over-year increase in profit after tax to Rs 612 crore for fiscal 2024; and the opening of 31 new branches in fiscal 2024 to reach 262 locations. The company maintains a strong capitalization ratio of 1.7 times as of June 2025, supporting 30% assets under management growth targets over the next three to four years, with headquarters at 8B Doshi Towers, Poonamallee High Road, Kilpauk, Chennai, Tamil Nadu. Its wholly-owned subsidiary, Aptus Finance India Private Limited, extends mortgage loans to small and medium enterprises.