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    Finance/Rental/Leasing
Aptus Value Housing Finance India Limited

Aptus Value Housing Finance India Limited

201.82
INR
-5.68
(-2.74%)
97.43BMarket Cap
Nov 04Next Earn
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
5.61
7.05
9.41
12.93
17.24
20.48
25.19
31.92
- -
Basic EPS, GAAP
2.83
4.4
5.56
7.58
10.11
12.27
15.04
18.84
- -
Free Cash Flow per Basic Share
-18.11
-15.31
-12.94
-14.82
-21.04
-27.19
-28.13
-9.78
- -
Dividend per Share
- -
- -
- -
- -
2
4
4.5
4.5
- -
Book Value per Share
14.09
34.49
39.94
58.68
67.05
75.52
86.37
101.05
- -
Tangible Book Value per Share
14.08
34.48
39.94
58.67
67.03
75.49
86.34
101.03
- -
Basic Weighted Avg Shares
394
480
480
488
498
499
499
500
500
Sales/Revenue/Turnover
2,209
3,386
4,517
6,316
8,577
10,213
12,579
15,970
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
55
58
57
66
72
93
121
133
- -
Net Income, GAAP
1,115
2,110
2,669
3,701
5,030
6,119
7,512
9,429
- -
Effective Tax Rate (%)
27
14.67
22.65
22.89
23.05
22.85
22.94
22.15
- -
Profit Margin (%)
50.47
62.32
59.1
58.6
58.65
59.91
59.72
59.04
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
16,061
20,216
25,151
27,284
37,958
51,996
68,731
79,038
- -
Total Equity
6,984
17,090
19,795
29,162
33,393
37,679
43,167
50,600
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
6.99
6.49
7.3
7.87
7.6
7.45
7.81
- -
Return on Common Equity (%)
- -
17.53
14.47
15.12
16.08
17.22
18.58
20.11
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
501
501
501
Market Capitalization
139,734
97,430
139,646

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
5,689
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
21.29%
17.22%
Free Cash Flow
- -
5.83%
-65.17%
Net Income, GAAP
- -
28.9%
25.52%
Sales/Revenue/Turnover
- -
28.97%
26.96%
Total Cash Common Dividend
- -
- -
0.18%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
2,848
3,065
3,218
3,495
12,579
2026
3,697
- -
4,060
4,326
15,970
2027
4,410
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
3.44
3.65
3.82
4.15
15.04
2026
4.39
- -
4.72
5.22
18.84
2027
5.21
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
4.5
2026
- -
- -
- -
- -
4.5
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
P. Balaji
Full Time Employees
3,807
Sector
Finance
Industry
Finance/Rental/Leasing
Address
No. 8B, Doshi Towers Chennai TN India 600010
IPO Date
Aug 24, 2021
Website
aptusindia.com
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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.