APTUS · NSE
Aptus Value Housing Finance India Limited
₹237.68
-0.62% (-₹1.48)
Prev. close
₹239.16
Volume
31,01,354
Delivery %
63.4%
As of
18 Sept 2026
Price history
Analyst sentiment
Analysts lean bullish
1 analyst stance · last 90 days · one per analyst
Trackable
none in window
Long-Horizon
none in window
Commentary
1 · 1 bull / 0 neutral / 0 bear
Trackable = verdict-bearing calls · Long-Horizon = 1yr+ horizon, verdict pending · Commentary = context, not graded
Analyst opinions
Market commentary · 1 · levels, conditionals, previews, macro & hedged views — context, not graded
| Call | Analyst | Instrument | Verdict | Actions |
|---|---|---|---|---|
| “Bullish on Aptus Value Housing Finance, raising its price target to ₹405 from ₹395, implying a 42% upside. This is drive…” | Morgan Stanley AnalysisMorgan Stanley India | Aptus Value Housing Finance | PENDING |
Fundamentals
About Aptus Value Housing Finance India Limited
Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions against immovable properties in India. The company offers home and quasi-home loans for the purchase, construction, renovation, and extension of houses; loans against property for construction and purchase of houses; and secured, small business, and refinance loans. It serves shopkeepers, vendors mechanics, and traders; and semi-urban families rural households markets. Aptus Value Housing Finance India Limited was incorporated in 2009 and is headquartered in Chennai, India.
Details
Sector
Financial Services
Industry
Mortgage Finance
CEO
Mr. Munuswamy Anandan
Headquarters
Chennai
Employees
3,807
Website
aptusindia.comExchange
View on NSE ↗Key stats
Market cap
₹11,903.73 Cr
P/E ratio (TTM)
12.1
Dividend yield
2.09%
EPS (TTM)
₹19.66
Beta (1Y · daily vs NIFTY 50)
1.15
Beta (5Y · monthly vs NIFTY 50)
1.21
Shares float
35.23 Cr
EPS · quarter ended Jun 2026
₹5.21
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide. EBITDA is omitted from this chart: coverage begins inside the plotted window, and every plotted period must carry a complete point set — the P&L table below has the available figures.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| — | ₹814.68 Cr | ₹857.73 Cr | ₹1,021.33 Cr | ₹1,257.89 Cr | ₹1,597.04 Cr | |
| EBITDA | — | ₹695.21 Cr | ₹936.84 Cr | — | ₹1,527.42 Cr | ₹1,872.88 Cr |
| ₹267.00 Cr | ₹370.00 Cr | ₹503.01 Cr | ₹611.90 Cr | ₹751.25 Cr | ₹942.94 Cr | |
| Diluted EPS | — | ₹7.53 | ₹10.08 | ₹12.22 | ₹15.01 | ₹18.84 |
Revenue, Total expenses (as filed), Employee benefit expense, Depreciation & amortisation, Other expenses, EBITDA, Tax provision, Other income, Diluted EPS have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹4,520.00 Cr | ₹5,684.00 Cr | ₹7,176.00 Cr | ₹9,005.00 Cr | ₹11,243.00 Cr | ₹13,048.00 Cr | |
| Total debt | — | — | ₹3,795.82 Cr | ₹5,199.61 Cr | ₹6,873.09 Cr | ₹7,903.77 Cr |
| Stockholders' equity | ₹1,980.00 Cr | ₹2,916.00 Cr | ₹3,340.00 Cr | ₹3,768.00 Cr | ₹4,317.00 Cr | ₹5,060.00 Cr |
Inventory, Cash & equivalents, CWIP, Total debt have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹-621.00 Cr | ₹-724.00 Cr | ₹-1,047.00 Cr | ₹-1,356.00 Cr | ₹-1,405.00 Cr | ₹-489.00 Cr | |
| Investing cash flow | — | ₹-62.04 Cr | ₹110.67 Cr | ₹20.71 Cr | ₹-90.02 Cr | ₹-71.99 Cr |
| ₹495.00 Cr | ₹768.00 Cr | ₹978.00 Cr | ₹1,224.00 Cr | ₹1,461.00 Cr | ₹822.00 Cr | |
| Capital expenditure | — | ₹-3.65 Cr | ₹-3.31 Cr | ₹-4.89 Cr | ₹-6.91 Cr | ₹-6.38 Cr |
| End cash position | — | ₹405.20 Cr | ₹446.79 Cr | ₹336.13 Cr | ₹302.59 Cr | ₹563.32 Cr |
Depreciation & amortization, Change in working capital, Investing cash flow, Dividends paid, Capital expenditure, End cash position have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Sep 21 | Dec 21–Jun 22(3Q) | Sep 22–Dec 22(2Q) | Mar 23–Jun 23(2Q) | Sep 23 | Dec 23 | Mar 24 | Jun 24 | Sep 24 | Dec 24–Mar 25(2Q) | Jun 25 | Sep 25–Mar 26(3Q) | Jun 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 62.51% | 62.35% | 62.21% | 62.20% | 62.12% | 62.09% | 61.09% | 53.97% | 53.91% | 52.98% | 40.37% | 23.87% | 23.86% |
| Public | 37.49% | 37.65% | 37.79% | 37.80% | 37.88% | 37.91% | 38.91% | 46.03% | 46.09% | 47.02% | 59.63% | 76.13% | 76.14% |
| Employee trusts | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Aptus Value Housing Finance India Limited | ₹12,015.12 Cr | ₹239.16 | 12.2 | 2.37 | 18.6% | 1.56 | +27.0% | -27.3% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
IPO documents
Annual reports
Concall transcripts
Show all 12
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
20 indices
NSE weights are a free-float market-cap-share estimate, not NSE’s own published (and sometimes capped) index weight. BSE weights are BSE’s own published index weight, not an estimate. Indices without weight data are listed without one, in alphabetical order after the weighted ones.
Aptus Value Housing share price target: Systematix initiates BUY with ₹380 target, sees 48% upside
Systematix Institutional Equities initiated coverage on Aptus Value Housing Finance with a BUY rating and a target price of ₹380, indicating a potential 48% upside. The brokerage anticipates Aptus will achieve approximately 22% CAGR in assets under management and 18% CAGR in earnings per share between FY26 and FY29E. This positive outlook is driven by Aptus' high-yielding loan portfolio and strong return ratios.
Aptus Value HFC Aims For 24% AUM Growth In FY27
Aptus Value Housing Finance reported a 26% year-over-year increase in net profit to Rs261 crore for Q4 FY26 and declared a dividend. The company aims for 22-24% AUM growth in FY27, supported by expansion into new states and deeper market penetration. AUM grew 21% to Rs13,107 crore in FY26.