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Aptus Value Housing Finance India Limited is a retail-focused housing finance company providing home and small business loans to primarily self-employed, low- and middle-income customers across semi-urban and rural India, operating a fully in-house origination and credit model with 335 branches and an AUM of ₹12,330 crore as of Q3 FY26.
The company reported robust profitability with 9M FY26 PPoP of ₹933 crore and PAT of ₹685 crore (excluding a small labour-code adjustment), delivering RoA of 7.9% and RoE of 20.0%, reflecting strong margin discipline, an 8.9% spread and low opex-to-assets of 2.7% that support industry-leading return metrics.
Aptus has high digital adoption and data-driven underwriting: over 92% of agreements executed digitally, 94.8% digital collections, a mobile-first LOS, ML-based analytics and 81.1% account-aggregator penetration; these capabilities materially sharpen underwriting, accelerate TAT and support scaling while protecting portfolio quality.
Balance-sheet strength is evident: CRAR at 70.5%, diversified liabilities (banks 59.1%, NCDs 17.5%, securitisation 12.3%, NHB 11.1%), comfortable liquidity (₹1,877 crore undrawn plus cash) and a broad investor base including FIIs, DIIs and IFC, enabling controlled cost-of-funds reductions and funding flexibility.
Strategically, Aptus is moving to higher-ticket segments by discontinuing sub-₹7 lakh sanctions (c.10% of book runs down), targeting higher ATS and calibrated pricing on incremental home loans, while guiding for sustainable AUM growth of 22–24% driven by branch additions, channel augmentation and productivity improvements.
Finance
Housing Finance Company
14,401 Cr
High Risk
15.3
18.9
0.8
2.9
364.85
193.50
Sales CAGR
Profit CAGR
ROE
ROCE
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Aptus Value Housing Finance India Ltd (APTUS) is currently trading at 274.40 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Aptus Value Housing Finance India Limited is a retail-focused housing finance company providing home and small business loans to primarily self-employed, low- and middle-income customers across semi-urban and rural India, operating a fully in-house origination and credit model with 335 branches and an AUM of ₹12,330 crore as of Q3 FY26. The company reported robust profitability with 9M FY26 PPoP of ₹933 crore and PAT of ₹685 crore (excluding a small labour-code adjustment), delivering RoA of 7.9% and RoE of 20.0%, reflecting strong margin discipline, an 8.9% spread and low opex-to-assets of 2.7% that support industry-leading return metrics. Aptus has high digital adoption and data-driven underwriting: over 92% of agreements executed digitally, 94.8% digital collections, a mobile-first LOS, ML-based analytics and 81.1% account-aggregator penetration; these capabilities materially sharpen underwriting, accelerate TAT and support scaling while protecting portfolio quality. Balance-sheet strength is evident: CRAR at 70.5%, diversified liabilities (banks 59.1%, NCDs 17.5%, securitisation 12.3%, NHB 11.1%), comfortable liquidity (₹1,877 crore undrawn plus cash) and a broad investor base including FIIs, DIIs and IFC, enabling controlled cost-of-funds reductions and funding flexibility. Strategically, Aptus is moving to higher-ticket segments by discontinuing sub-₹7 lakh sanctions (c.10% of book runs down), targeting higher ATS and calibrated pricing on incremental home loans, while guiding for sustainable AUM growth of 22–24% driven by branch additions, channel augmentation and productivity improvements.
Over the past 52 weeks, Aptus Value Housing Finance India Ltd has traded between a low of ₹193.50 and a high of ₹364.85. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Aptus Value Housing Finance India Ltd has a market capitalization of approximately 14,401.36. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Aptus Value Housing Finance India Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 15.27 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 14,401.36 Cr, Aptus Value Housing Finance India Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Aptus Value Housing Finance India Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Aptus Value Housing Finance India Ltd is 15.27. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Axis Securities set a target price of Rs 405 per share in the note, implying 27% upside from the CMP of Rs 318 cited for 31 October 2025.
Aptus reported consolidated PAT of Rs 260.95 crore in Q4 FY26, up 26.05% year-on-year.
The stock rose 8.26% to Rs 289 after the company reported a 26.05% YoY jump in Q4 FY26 net profit and an 18.66% rise in revenue from operations.
The stock rose after the company reported a 26.05% YoY increase in Q4 FY26 consolidated net profit to Rs 260.95 crore and an 18.66% rise in revenue from operations to Rs 574.33 crore.
Audited financial results
Aptus Value Housing Finance filed newspaper clippings and published audited consolidated and standalone financial results for the quarter and year ended March 31, 2026; filings made to BSE/NSE and posted on company website on May 7, 2026.
Audited Results Publication
Company published newspaper clippings of its audited consolidated and standalone financial results for the quarter and year ended March 31, 2026, under LODR (Reg.47/52) and made them available on its website.
Results & Financing
Board approved audited standalone & consolidated FY2025-26 results (auditor unmodified), declared second interim dividend of Rs.2.50/share (record date 15-May-2026) and approved private-placement of NCDs up to Rs3,000 crore.
Audited Results & NCDs
Board approved audited standalone and consolidated financial results for FY ended 31 Mar 2026; declared a second interim dividend of Rs.2.50/share (record date 15 May 2026); and approved private placement of NCDs up to Rs.3,000 crore.
Results & Dividend
Board approved audited standalone and consolidated financial results for FY ended 31-Mar-2026 (audit opinion unmodified); declared second interim dividend of Rs.2.50/share (record date 15-May-2026); approved private placement of NCDs up to Rs3,000 crore.
Financial results
Aptus Value HFL reported Q4/FY26: AUM Rs13,107cr (+21% YoY), FY26 total income Rs2,246cr (+25%), FY26 net profit Rs943cr (+26%), RoA/RoE 7.9%/20.1%, GNPA 1.5%; FY27 AUM guidance 22–24%.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
438.00 | 21,803 Cr | 19.90 | 2.89 | 0.00 | 14.53 | 10.52 | 4.00 | ||
145.50 | 16,774 Cr | 13.10 | 0.62 | 0.99 | 5.67 | 9.51 | 1.80 | ||
199.50 | 14,401 Cr | 15.27 | 2.85 | 0.00 | 18.64 | 14.34 | 7.23 | ||
1200.00 | 12,241 Cr | 22.65 | 2.81 | 0.44 | 12.40 | 10.03 | 3.56 | ||
914.15 | 11,401 Cr | 10.50 | 1.91 | 1.75 | 18.16 | 8.74 | 2.45 | ||
1207.85 | 11,134 Cr | 22.69 | 2.95 | 0.00 | 13.00 | 8.96 | 2.97 | ||
758.55 | 9,091 Cr | 18.07 | 2.84 | 1.20 | 15.73 | 11.59 | 5.23 | ||
| Median: 7 Co. | — | 758.55 | 12,241 Cr | 18.07 | 2.84 | 0.44 | 14.53 | 10.03 | 3.56 |
