Overview

Detailed Summary

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.

Sector: Finance
Industry: Finance - Housing - Large
Market Cap: 12,448 Cr
Volatility: Low Risk
P/E Ratio: 14.0
Industry P/E: 13.1
PEG Ratio: 0.7
P/B Ratio: 2.7
52W High: 364.85
52W Low: 245.70

Sales CAGR

1Y: 28.22%
3Y: 23.98%
5Y: 24.36%
10Y: 36.91%

Profit CAGR

1Y: 22.77%
3Y: 23.13%
5Y: 25.97%
10Y: 47.41%

ROE

TTM: 18.11%
3Y: 14.38%
5Y: 13.42%
10Y: 12.94%

ROCE

TTM: 14.31%
3Y: 12.71%
5Y: 12.33%
10Y: 12.07%

Technicals

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Forecasts

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Analyst Target, Price, EPS and Revenue Projections

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
AADHARHFC	469.50	20,226 Cr	19.54	2.93	0.00	14.33	10.42	4.11
APTUS	248.60	12,448 Cr	14.01	2.67	1.81	18.11	14.31	7.39
HOMEFIRST	1181.80	12,282 Cr	24.82	3.06	0.27	11.28	10.11	3.59
SAMMAANCAP	144.35	11,937 Cr	9.34	0.53	1.39	5.67	9.51	1.80
CANFINHOME	885.00	11,772 Cr	12.10	2.16	1.36	16.87	8.93	2.33
AAVAS	1286.25	10,186 Cr	20.77	2.70	0.00	13.00	8.96	2.97
INDIASHLTR	737.95	8,018 Cr	16.93	2.75	0.67	15.29	11.72	5.52

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	334	351	375	395	421	450	484	520	544	554
Expenses	56	59	65	61	68	73	75	81	91	99
Interest	96	98	109	120	128	143	150	160	165	162
Financing Profit	181	194	201	215	225	234	259	279	288	292
Financing Margin %	54.35	55.29	53.60	54.32	53.49	52.03	53.53	53.59	52.90	52.79
Other Income	11	13	17	9.69	14	15	15	9.88	9.65	15
Depreciation	2.63	2.40	2.33	2.60	2.84	3.28	3.34	3.13	3.20	3.38
Profit Before Tax	190	205	215	222	237	246	271	286	294	304
Tax %	21.91	23.18	23.72	22.50	23.13	22.41	23.60	23.22	23.01	22.25
Net Profit	148	158	164	172	182	191	207	219	227	236
EPS in Rs	2.95	3.14	3.26	3.41	3.62	3.80	4.13	4.37	4.54	4.72
Gross NPA %	1.19	1.19	1.07	1.32	1.25	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.89	0.89	0.80	0.98	0.94	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	121	198	324	500	640	815	1,093	1,365	1,750	1,876
Expenses	33	47	63	86	101	145	197	227	271	297
Interest	36	53	116	185	207	209	276	388	541	581
Financing Profit	53	98	145	230	332	461	621	751	939	997
Financing Margin %	43.61	49.55	44.77	45.91	51.93	56.60	56.77	55.00	53.64	53.18
Other Income	5.10	5.32	13	23	19	26	40	52	48	54
Depreciation	1.80	2.37	5.45	5.81	5.68	6.61	7.21	9.31	12	13
Profit Before Tax	56	101	153	247	345	480	654	793	975	1,039
Tax %	33.80	34.08	26.99	14.67	22.65	22.89	23.05	22.85	22.94	23.11
Net Profit	37	67	112	211	267	370	503	612	751	799
EPS in Rs	—	—	—	—	—	7.48	10.02	12.18	14.96	17.76
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	19.84	36.86	29.98	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	62	79	79	79	95	95	99	100	100	100
Reserves	150	442	506	620	1,615	1,885	2,817	3,240	3,668	4,217
Borrowings	221	271	840	1,600	2,015	2,508	2,721	3,786	5,185	6,847
Other Liabilities	67	53	40	30	23	33	47	51	52	80
Total Liabilities	501	845	1,465	2,328	3,747	4,520	5,684	7,176	9,005	11,243
Fixed Assets	2.08	4.67	4.34	9.98	10	9.56	12	15	22	35
CWIP	0.13	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	45	0.00	0.00	53	102	51	51	53
Other Assets	499	841	1,416	2,318	3,737	4,458	5,570	7,110	8,931	11,156
Total Assets	501	845	1,465	2,328	3,747	4,520	5,684	7,176	9,005	11,243

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-120	-303	-495	-713	-735	-621	-724	-1,047	-1,356	-1,405
Cash from Investing Activity	-7.23	2.13	7.61	45	-97	65	-62	111	21	-90
Cash from Financing Activity	135	300	534	763	1,209	495	768	978	1,224	1,461
Net Cash Flow	7.88	-0.55	47	95	377	-61	-18	42	-111	-34

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	62.20%	62.20%	62.12%	62.09%	61.09%	53.97%	53.91%	52.98%	52.98%	40.37%	23.87%	23.87%
FIIs	14.06%	14.15%	14.83%	15.42%	19.58%	22.81%	22.46%	21.87%	27.74%	30.40%	35.35%	33.20%
DIIs	2.58%	2.97%	2.78%	5.21%	5.10%	9.15%	9.48%	9.68%	9.88%	16.04%	25.88%	27.29%
Public	21.15%	20.68%	20.26%	17.28%	14.23%	14.07%	14.16%	15.46%	9.39%	13.19%	14.90%	15.65%
Total Shareholders	1,31,365	1,38,492	1,36,988	1,42,117	1,29,415	1,30,289	1,53,109	1,64,387	1,55,270	1,64,752	1,60,741	1,66,729

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Frequently Asked Questions about Aptus Value Housing Finance India Ltd

Aptus Value Housing Finance India Ltd (APTUS) is currently trading at 248.60 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 ₹245.70 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 12,448.22. 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 14.01 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 12,448.22 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 Finance 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 14.01. 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.

The most significant positive was the announcement of the 'City Economic Regions' initiative, which aims to develop Tier 2 and Tier 3 cities with a substantial financial outlay. This directly supports Aptus's core markets.

Aptus Value Housing Finance India Ltd

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