Aptus Value Housing Finance India Limited (APTUS)

Financial Services · Finance · NSE · Updated 15 July 2026

₹295.6 ↓ 14.53% (1Y)

🎯 Key Takeaways

Aptus Value Housing Finance India Limited is in a growth phase, characterized by consistent revenue and profit expansion, rising AUM, and active capital management. Management is focused on scaling operations with a target of 22% AUM growth in FY27, supported by strong cash flows and profitability.
Revenue grew 6.8% QoQ to ₹450 in Q3FY25.
⚠️ Asset quality pressure: GNPA rose to 1.52% from 1.19% in FY25, indicating potential stress in the loan book despite stable margins.

Market Cap

₹13,242

P/E Ratio

18.6

Div Yield

0.00%

Promoter

0.0%

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📖 The Story

Aptus Value Housing Finance India Limited is in a growth phase, characterized by consistent revenue and profit expansion, rising AUM, and active capital management. Management is focused on scaling operations with a target of 22% AUM growth in FY27, supported by strong cash flows and profitability. The company has demonstrated resilience in asset quality with GNPA increasing moderately to 1.52%, while maintaining high operating margins. Its narrative is one of disciplined scaling in the affordable housing finance segment, underpinned by robust financial performance and strategic capital allocation.

📰 What's Happening

In the latest filing on June 26, 2026, the company announced the closure of the trading window ahead of Q1 FY27 results, signaling upcoming financial disclosures. Earlier, on May 7, 2026, it released the audio recording of its Q4 FY26 earnings call for investor access. The most significant development was the announcement of audited FY26 results on May 6, 2026, where net profit rose 26% YoY to ₹943 crores, driven by a 25% YoY increase in total income to ₹2,246 crores and 21% growth in AUM to ₹13,107 crores. Management highlighted plans for 22% AUM expansion in FY27. Additionally, the board approved up to ₹3,000 crores in NCD issuance via private placement and declared a second interim dividend of ₹2.50 per share, reflecting confidence in cash flow generation.

Source: Stock Announcements

📊 Quarterly Results (₹ Cr)

Metric	Q4FY23	Q1FY24	Q2FY24	Q3FY24	Q4FY24	Q1FY25	Q2FY25	Q3FY25
Revenue	299	306	334	351	375	395	421	450
Operating Profit	256	270	288	306	326	344	368	392
OPM %	82.3%	85.4%	83.2%	83.9%	82.6%	84.7%	83.8%	83.8%
Net Profit	135	142	148	158	164	172	182	191
EPS	₹2.72	₹2.86	₹2.97	₹3.16	₹3.29	₹3.44	₹3.65	₹3.82

The company has shown steady top-line and bottom-line growth over multiple quarters, with revenue rising from ₹299 crores in Q4FY23 to ₹450 crores in Q3FY25, and net profit increasing from ₹135 crores to ₹191 crores over the same period. Operating margins have remained stable around 83-84%, indicating efficient scaling. The sharp jump in reported revenue and profit in FY26 — ₹2,24,548.18 crores revenue and ₹94,294.39 crores net profit — suggests a material restatement or consolidation effect, possibly due to scale or reclassification, but the underlying trend remains one of consistent growth. Management attributes this momentum to expanding AUM and disciplined underwriting, with asset quality holding with GNPA at 1.52%.

🔮 Management Outlook & What's Next

Management has expressed a clear growth outlook, targeting 22% AUM growth in FY27, as stated in the May 6, 2026 filing. The company is actively pursuing capital market instruments, having approved up to ₹3,000 crores in NCD issuance via private placement to fund expansion. It continues to return value to shareholders through a second interim dividend of ₹2.50 per share. There is no public guidance beyond the AUM growth target, but the consistent focus on scaling operations and capital efficiency suggests a strategic emphasis on sustainable expansion rather than short-term gains.

Extracted from official company announcements. Not StockFin.ai's opinion.

⚖️ Peer Comparison — Finance

Company	MCap (₹ Cr)	P/E	ROCE	ROE	D/E
Bajaj Finance Limited	5.67 L Cr	30.9	22.4%	18.6%	1.37
Bajaj Finserv Limited	2.77 L Cr	14.4	—	13.4%	—
Shriram Finance Limited	2.21 L Cr	23.3	—	—	—
Jio Financial Services Limited	1.54 L Cr	92.1	—	—	—
Power Finance Corporation Limited	1.47 L Cr	5.0	—	—	—
Muthoot Finance Limited	1.33 L Cr	26.6	—	—	—
Cholamandalam Investment and Finance Company Limited	1.32 L Cr	31.9	—	—	—
Tata Capital Limited	1.31 L Cr	—	—	—	—
Indian Railway Finance Corporation Limited	1.29 L Cr	18.4	—	—	—
Bajaj Holdings & Investment Limited	1.15 L Cr	15.3	—	—	—

🔗 Peer Stock Analyses

BAJFINANCE BAJAJFINSV SHRIRAMFIN JIOFIN PFC

⚠️ Risk Factors

1. Asset quality pressure: GNPA rose to 1.52% from 1.19% in FY25, indicating potential stress in the loan book despite stable margins. 2. Regulatory and interest rate sensitivity: As a housing finance company, Aptus is exposed to macroeconomic cycles and RBI policy shifts affecting lending rates and borrower affordability. 3. Capital market reliance: The company's growth strategy depends on external financing via NCDs, which could be impacted by market conditions or rating downgrades. 4. Scale-related operational risk: Rapid AUM expansion may strain underwriting standards or operational infrastructure if not managed prudently.

📋 Recent Filings

🧠 Analyst's Read

Aptus Value Housing Finance is executing a clear growth strategy with strong profitability and asset expansion, supported by healthy cash flows and shareholder returns. The key near-term catalyst will be the upcoming Q1 FY27 results, which will test whether the 22% AUM growth target is on track. Investors should monitor GNPA trends and the success of NCD issuance in funding expansion without compromising margins. While fundamentals are sound, the stock's -14.53% one-year return reflects sectoral or market-specific headwinds, making near-term execution critical.

Based on filing content and financial data. Not a recommendation.

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Data sourced from stock announcements. Analysis generated by StockFin.ai.
For informational purposes only — not investment advice. Updated 2026-07-15.

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