Market Data
Market Cap₹11,898.84 Cr.
52W High₹331.9
Current Price₹237.6
52W Low₹193.5
Down from 52W High28.4 %
Face Value₹2
Performance
ROCE14.81 %
ROE19.53 %
EPS (TTM)₹5.21
EPS Prev Qtr₹5.22
EPS Last Year₹4.54
EBITDA Qtr₹318.73 Cr.
Book Value₹101
Financial Health
Debt/Equity1.56
Debt/Profit8
Total Assets₹13,047.657 Cr.
Dividend Yield1.89 %
Promoter Holding23.86 %
Earning Power9.2 %
Valuation
Stock P/E12.07
Industry P/E18.22
Price to Book2.36
Price to Sales5.24
Graham Number₹211.19
Key Metrics
Capital Adequacy %
70%
Debt/Equity
1.26
__derived
1
Dividend/Share
₹2.5
Employees
4,094
Face Value
₹2
Gross NPA %
1.42%
Loans Disbursed
₹1,053 Cr
Net NPA %
1.07%
Provision Coverage %
25%
ROE %
20.4%
About Aptus Value Housing Finance India Ltd
Financial Services · Finance
Aptus Value Housing Finance India Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹2. Market cap ₹11,898.84 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Net NPA ratio is low at 1.07%, indicating strong asset quality.
- Provision Coverage ratio is 25%, showing adequate reserves against potential defaults.
- Capital Adequacy ratio is 70%, meeting regulatory requirements and ensuring financial stability.
- ROE is 19.53%, reflecting efficient use of equity to generate profits.
- Dividend yield is 1.81% with a dividend per share of ₹2.5, providing income to investors.
Weaknesses
- Gross NPA ratio is 1.42%, suggesting some credit risk exposure.
- P/B ratio is 2.48, which may indicate the stock is valued higher relative to its book value.
- P/E ratio of 12.66 could be considered high for the sector, suggesting potential overvaluation.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 30.16 | ₹6,13,256.5 Cr | 0.61% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.28 | ₹2,30,350.39 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.77 | ₹1,58,506.24 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 68.4 | ₹1,45,434.19 Cr | 0.27% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.17 | ₹1,39,794.37 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Bajaj Holdings & Investment Ltd | - | 13.63 | ₹1,20,749.01 Cr | 1.8% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.76 | ₹1,11,046.18 Cr | 1.08% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.18 | ₹1,08,952.86 Cr | 5.62% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,06,475.16 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.28 | ₹1,02,653.11 Cr | 1.34% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.91 | ₹98,766 Cr | 2.34% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.99 | ₹79,918.35 Cr | 6.11% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Nippon Life India Asset Management Ltd | - | 42.74 | ₹70,191.49 Cr | 1.96% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.73 | ₹56,249.93 Cr | 0.42% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
📊 Jun 2026: Revenue grew 15.4% YoY, Profit grew 19.0% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 520.26 | 544.04 | 553.6 | 574.34 | 600.29 |
| ↳ QoQ Growth | - | +4.6% | +1.8% | +3.7% | +4.5% |
| Expenses | 244.6 | 259.42 | 264.75 | 265.56 | 281.56 |
| Operating Profit | 275.66 | 284.62 | 288.85 | 308.78 | 318.73 |
| OPM % | 52.99% | 52.32% | 52.18% | 53.76% | 53.1% |
| Other Income | 9.88 | 9.65 | 14.94 | 18.78 | 10.37 |
| Interest | 160.43 | 165.01 | 162.49 | 160.51 | 169.68 |
| Depreciation | 3.13 | 3.2 | 3.38 | 3.57 | 3.49 |
| EBITDA | 278.79 | 287.82 | 292.23 | 312.35 | 322.22 |
| EBITDA Margin % | 53.59% | 52.9% | 52.79% | 54.38% | 53.68% |
| Profit Before Tax | 285.55 | 294.26 | 303.78 | 327.56 | 329.09 |
| Tax % | 23.22% | 23.01% | 22.25% | 20.34% | 20.71% |
| Net Profit | 219.25 | 226.55 | 236.19 | 260.95 | 260.94 |
| ↳ QoQ Growth | - | +3.3% | +4.3% | +10.5% | -0.0% |
| EPS | 4.34 | 4.54 | 4.72 | 5.22 | 5.21 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 2192.24 | 2272.27 |
| Expenses | 1034.33 | 1071.29 |
| Operating Profit | 1157.91 | 1200.98 |
| OPM % | 52.82% | 52.85% |
| Other Income | 53.25 | 53.74 |
| Interest | 648.44 | 657.69 |
| Depreciation | 13.28 | 13.64 |
| Profit Before Tax | 1211.15 | 1254.69 |
| Tax % | 22.15% | 21.52% |
| Net Profit | 942.94 | 984.63 |
| EPS | 18.82 | 19.69 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-25.28%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
19.53%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 99.96 | 100.1485 |
| Reserves | 4216.69 | 4942.1274 |
| Borrowings | 6873.09 | 7873.67 |
| Other Liabilities | 53.67 | 131.71 |
| Total Liabilities | 11243.41 | 13047.657 |
| Fixed Assets | 33.69 | 39.313 |
| CWIP | 0 | 0 |
| Investments | 52.92 | 240.15 |
| Other Assets | 11156.8 | 12768.19 |
| Total Assets | 11243.41 | 13047.657 |
Cash Flows
| Mar 2026 | |
|---|---|
| Cash from Operating Activity | -489.2626 |
| Cash from Investing Activity | -71.9919 |
| Cash from Financing Activity | 821.9912 |
| Net Cash Flow | 260.7367 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 861.45 |
| ROCE % | 22.38% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 23.87% | 23.87% | 23.87% | 23.86% |
| FIIs % | 35.35% | 33.2% | 30.34% | 29.95% |
| DIIs % | 25.88% | 27.29% | 29.44% | 29.91% |
| Public % | 8.98% | 9.93% | 10.72% | 11.36% |
| No. of Shareholders | 1,60,741 | 1,66,729 | 1,66,229 | 1,66,122 |
Major Shareholders (>1%)
- Munuswamy AnandanPromoter and Promoter Group19.20%
- Sbi Conservative Hybrid FundPublic Shareholding9.39%
- Kotak Small Cap FundPublic Shareholding4.83%
- Malabar India Fund LimitedPublic Shareholding4.36%
As of 2026-06-30View all shareholders →