Aptus Value Housing Finance India Ltd is a Home Loan Company. Aptus has been formed to primarily address the housing finance needs of self-employed, low and middle income families primarily from semi-urban and rural areas. Company targets first-time home buyers where collateral is self- occupied residential property.
ProductsHousing Loan- Loan for constructing an independent house or an apartment on the customer’s owned land or purchasing new or second-hand houses, and for house renovations.Business Loans- Business loans to individuals who require financial support for their business by providing self-occupied property as collateral with a maximum limit of 60% of the property value.Quasi Home Loans- For refinancing customers’ investments in construction or for purchasing a house up to Rs. 25 lakhs.Insurance Support* - The company has collaborated with insurance companies to offer Credit Shield Insurance and Property Insurance.[1]
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Housing | 96.95 | 34.22 | 80781.98 | 0.00 | 642.96 | 17.84 | 2754.85 | 14.30 | 9.55 | 10327.38 | 90.96 | 2360.96 | 642.96 | 3.81 | 2.35 | 4.44 |
| 2. | Piramal Finance. | 1811.30 | 66.15 | 41058.13 | 0.00 | 326.99 | 150.22 | 2871.55 | 21.42 | 7.73 | 10150.20 | 58.14 | 620.66 | 407.79 | 1.50 | 0.60 | 2.61 |
| 3. | LIC Housing Fin. | 539.90 | 5.38 | 29697.90 | 1.85 | 1349.37 | 1.62 | 7179.25 | 3.48 | 8.93 | 28804.92 | 93.85 | 5521.36 | 1349.25 | 0.77 | 1.80 | 7.08 |
| 4. | PNB Housing | 1007.85 | 11.95 | 26255.36 | 0.50 | 626.49 | 32.82 | 2167.91 | 16.08 | 9.46 | 8184.49 | 93.96 | 2196.76 | 626.49 | 1.46 | 2.52 | 3.62 |
| 5. | Aadhar Hsg. Fin. | 499.70 | 21.94 | 21676.80 | 0.00 | 266.47 | 17.12 | 897.13 | 17.38 | 11.42 | 3375.53 | 76.35 | 987.93 | 266.47 | 3.14 | 4.31 | 2.55 |
| 6. | Aptus Value Hou. | 287.10 | 21.52 | 14375.75 | 1.57 | 201.86 | 47.57 | 380.98 | 21.47 | 14.26 | 1418.08 | 87.52 | 667.97 | 201.86 | 3.56 | 7.14 | 1.23 |
| 7. | Can Fin Homes | 949.80 | 13.73 | 12646.98 | 1.26 | 251.43 | 18.89 | 1049.45 | 9.04 | 9.34 | 4054.47 | 91.95 | 921.34 | 251.43 | 2.32 | 2.20 | 6.61 |
| – | Median: 16 Co. | 460.8 | 19.19 | 11966.9 | 0.42 | 182.9 | 28.91 | 572.17 | 14.98 | 9.82 | 2139.53 | 77.97 | 611.96 | 182.9 | 1.58 | 2.44 | 2.67 |
Standalone figures in ₹ crores
| Dec 2022 | Dec 2023 | Dec 2024 | Jun 2023 | Jun 2024 | Jun 2025 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 245 | 276 | 327 | 255 | 299 | 356 | 254 | 288 | 354 | 228 | 269 | 314 | 381 |
Expenses | 40 | 46 | 42 | 30 | 51 | 51 | 50 | 50 | 37 | 43 | 41 | 48 | 46 |
Operating Profit | 205 | 230 | 285 | 225 | 248 | 304 | 204 | 238 | 317 | 185 | 227 | 266 | 335 |
Other Income | 8 | 8 | 7 | 5 | 7 | 10 | 9 | 8 | 15 | 9 | 7 | 9 | 35 |
Profit before tax | 142 | 155 | 180 | 152 | 162 | 198 | 141 | 159 | 220 | 134 | 150 | 176 | 252 |
Tax % | 25% | 22% | 21% | 22% | 21% | 22% | 22% | 23% | 23% | 20% | 21% | 22% | 20% |
Net Profit | 106 | 121 | 142 | 119 | 127 | 155 | 110 | 122 | 170 | 107 | 119 | 137 | 202 |
EPS in Rs | 2.14 | 2.42 | 2.84 | 2.39 | 2.55 | 3.10 | 2.20 | 2.45 | 3.39 | 2.14 | 2.38 | 2.74 | 4.03 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 78 | 126 | 199 | 304 | 435 | 535 | 679 | 929 | 1,088 | 1,294 | 1,418 |
Expenses | 23 | 33 | 46 | 60 | 72 | 85 | 120 | 167 | 166 | 175 | 177 |
Operating Profit | 55 | 93 | 153 | 244 | 363 | 450 | 559 | 762 | 921 | 1,119 | 1,241 |
Other Income | 0 | 0 | 3 | 11 | 20 | 17 | 24 | 35 | 28 | 37 | 68 |
Interest | 28 | 36 | 52 | 112 | 170 | 182 | 180 | 243 | 324 | 406 | 446 |
Depreciation | 1 | 2 | 2 | 3 | 6 | 6 | 7 | 7 | 9 | 12 | 13 |
Profit before tax | 26 | 56 | 101 | 140 | 207 | 279 | 396 | 547 | 617 | 737 | 850 |
Net Profit | 18 | 37 | 66 | 103 | 181 | 218 | 308 | 425 | 481 | 575 | 668 |
EPS in Rs | 2.81 | 4.70 | 8.45 | 13.03 | 19.55 | 23.48 | 6.20 | 8.53 | 9.63 | 11.51 | 13.36 |
Dividend Payout % | -0% | -0% | -0% | -0% | -0% | -0% | -0% | 23% | 47% | 39% | – |
Standalone figures in ₹ crores
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 62 | 79 | 79 | 79 | 95 | 95 | 99 | 100 | 100 | 100 | 100 |
Reserves | 150 | 442 | 506 | 610 | 1,575 | 1,796 | 2,667 | 3,011 | 3,308 | 3,681 | 3,932 |
Borrowings | 277 | 306 | 826 | 1,552 | 1,830 | 2,174 | 2,347 | 3,481 | 3,993 | 4,855 | 4,965 |
Other Liabilities | 11 | 18 | 40 | 22 | 16 | 24 | 38 | 37 | 35 | 48 | 48 |
Total Liabilities | 501 | 845 | 1,450 | 2,263 | 3,515 | 4,089 | 5,151 | 6,629 | 7,436 | 8,684 | 9,046 |
Fixed Assets | 2 | 5 | 4 | 4 | 10 | 10 | 12 | 15 | 22 | 35 | 36 |
Gross Block | 5.64 | 9.96 | 6.71 | 9.27 | 21.18 | 26.31 | 34.71 | 45.08 | 61.03 | 85.51 | – |
Accumulated Depreciation | 3.56 | 5.29 | 2.37 | 5.29 | 11.08 | 16.75 | 22.74 | 29.81 | 39.12 | 50.81 | – |
CWIP | 0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
Investments | 7 | 8 | 60 | 90 | 151 | 205 | 255 | 205 | 207 | 209 | 341 |
Other Assets | 492 | 833 | 1,386 | 2,169 | 3,354 | 3,875 | 4,884 | 6,408 | 7,206 | 8,440 | 8,669 |
Total Assets | 501 | 845 | 1,450 | 2,263 | 3,515 | 4,089 | 5,151 | 6,629 | 7,436 | 8,684 | 9,046 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | – | – | – | – | -533 | -488 | -676 | -1,129 | -508 | -641 |
Cash from Investing Activity | – | – | – | – | -156 | 68 | -62 | 110 | 21 | -95 |
Cash from Financing Activity | – | – | – | – | 1,064 | 346 | 726 | 1,045 | 322 | 641 |
Net Cash Flow | – | – | – | – | 375 | -74 | -11 | 27 | -164 | -95 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
Inventory Days | – | – | – | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – | – | – | – |
Cash Conversion Cycle | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
Working Capital Days | 115 | -14 | -55 | -16 | -10 | -8 | -9 | -2 | -4 | 8 |
ROCE % | – | 14% | 14% | 14% | 13% | 12% | 13% | 14% | 13% | 14% |
Direct from BSE filings, auto-summarised
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Stock Analysis
Aptus Value Housing Finance India Ltd. is a Home Loan Company. Aptus has been formed to primarily address the housing finance needs of self-employed, low and middle income families primarily from semi-urban and rural areas. Company targets first-time home buyers where collateral is self- occupied residential property.
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