Aptus Value Housing Finance India Ltd (APTUS)
₹277.15
Mkt cap
₹13,879 Cr
P/E ratio
14.70
P/B
2.74
Div yield
1.62%
ROE
20.10%
ROCE
15.40%
EPS (TTM)
₹18.85
Book value
₹101
52W range
195–359
Sector
Financial Services
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.
Health check
Constructive
ValuationFair
ProfitabilityStrong
TechnicalsBullish
52-week range
−22.89% from high₹277
₹195+42.44% from low₹359
Current
₹277.15
Prev close
₹278.80
Day
−0.59%
Price performance
1D
−0.59%
1W
−9.27%
1M
+4.55%
3M
+7.65%
6M
+5.52%
1Y
−19.59%
YTD
−2.34%
Financials
FRevenue, profit & margin
P/E ratio
14.7×
APTUS is 2% below the sector median of 15.0×
APTUS14.7×
Sector median15.0×
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 299 | 306 | 334 | 351 | 375 | 395 | 421 | 450 | 484 | 520 | 544 | 554 | 574 | |
| Interest | 78 | 85 | 96 | 98 | 109 | 120 | 128 | 143 | 150 | 160 | 165 | 162 | 161 | |
| Expenses | 55 | 45 | 56 | 59 | 61 | 61 | 68 | 67 | 75 | 81 | 91 | 99 | 101 | |
| Financing Profit | 166 | 176 | 181 | 194 | 205 | 215 | 225 | 240 | 259 | 279 | 288 | 292 | 312 | |
| Financing Margin % | 56% | 57% | 54% | 55% | 55% | 54% | 53% | 53% | 54% | 54% | 53% | 53% | 54% | |
| Other Income | 12 | 10 | 11 | 13 | 13 | 10 | 14 | 9 | 15 | 10 | 10 | 15 | 19 | |
| Depreciation | 2 | 2 | 3 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 4 | |
| Profit before tax | 176 | 183 | 190 | 205 | 215 | 222 | 237 | 246 | 271 | 286 | 294 | 304 | 328 | |
| Tax % | 23% | 22% | 22% | 23% | 24% | 23% | 23% | 22% | 24% | 23% | 23% | 22% | 20% | |
| Net Profit | 135 | 142 | 148 | 158 | 164 | 172 | 182 | 190 | 207 | 219 | 227 | 236 | 261 | |
| EPS in Rs | 2.72 | 2.86 | 2.97 | 3.16 | 3.29 | 3.44 | 3.64 | 3.81 | 4.14 | 4.39 | 4.53 | 4.72 | 5.21 | |
| Gross NPA % | 1.15% | 1.29% | 1.19% | 1.19% | 1.07% | 1.32% | 1.25% | 1.28% | 1.19% | 1.49% | 1.55% | 1.56% | 1.52% | |
| Net NPA % | 0.86% | 0.97% | 0.89% | 0.89% | 0.80% | 0.98% | 0.94% | 0.96% | 0.89% | 1.12% | 1.17% | 1.18% | 1.15% | |
| Raw PDF |
Earnings
EResults dates & reactionsNext results
31 Jul '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.27% · closed higher next day 7 of last 17
| Q1FY24 | Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 1 Aug '23◦ | 3 Nov '23 | 2 Feb '24 | 4 May '24◦ | 1 Aug '24◦ | 6 Nov '24 | 31 Jan '25◦ | 6 May '25◦ | 31 Jul '25 | 31 Oct '25 | 4 Feb '26 | 6 May '26◦ |
| Earnings day | −1.77% | +1.21% | −1.43% | −1.72% | +0.57% | −0.94% | +4.65% | +0.88% | −2.15% | +1.62% | −2.75% | +2.86% |
| +1 day | −1.87% | −0.31% | −0.99% | −1.72% | −1.35% | −0.06% | +3.98% | +2.35% | +1.09% | −3.58% | −3.86% | +5.76% |
| +5 days | −1.57% | +3.67% | −4.81% | −3.22% | −2.05% | −7.85% | +8.27% | +1.39% | +1.45% | −7.79% | −8.26% | +0.90% |
| +15 days | −0.09% | −1.93% | −8.10% | −5.93% | −0.91% | −7.02% | −0.43% | +7.18% | +3.31% | −8.37% | −12.12% | −2.66% |
| +30 days | +0.28% | +13.85% | −15.33% | +4.53% | +5.53% | −11.80% | −0.13% | −0.06% | +0.01% | −7.20% | −25.43% | +0.88% |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
CLast 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Interim Dividend - Rs 2.50 Per Share | 2.50 | 15 May '26 | 15 May '26 |
Shareholding
Sas of Jun 202623.86%Promoter
Promoters23.86%
FIIs29.96%0.38
DIIs29.90%0.47
Public16.27%0.08
Ownership trend
Peers
P7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Housing | ₹84.19 | 27.28 | 70,150 | 0.00% | 669 | +14.06% | 2,903 | +15.92% | 8.85% |
| Piramal Finance. | ₹2,085.40 | 105.30 | 47,271 | 0.53% | 461 | +66.80% | 3,368 | +27.62% | 6.47% |
| LIC Housing Fin. | ₹538.95 | 5.29 | 29,646 | 1.86% | 1,493 | +8.68% | 7,212 | −1.25% | 8.59% |
| PNB Housing | ₹1,058.00 | 12.03 | 27,570 | 0.76% | 656 | +19.15% | 2,182 | +7.90% | 9.40% |
| Aadhar Hsg. Fin. | ₹495.00 | 19.52 | 21,648 | 0.00% | 311 | +26.99% | 985 | +18.25% | 11.38% |
| Sammaan Capital | ₹160.64 | — | 18,659 | 0.00% | −8,101 | −594.46% | 1,358 | −35.58% | 4.92% |
| Aptus Value Hou. | ₹277.15 | 14.72 | 13,879 | 1.62% | 261 | +26.04% | 574 | +18.66% | 15.41% |
| Median: 14 Co. | ₹516.98 | 14.96 | 13,075 | 0.65% | 216 | +23.30% | 847 | +14.43% | 9.66% |
Filings
DAnnual reports6
Concall transcripts44
TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026RECFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptNov 2024PPTNov 2024TranscriptAug 2024PPTAug 2024TranscriptMay 2024PPTMay 2024RECMay 2024TranscriptFeb 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Newspaper Publication 15 Jul - Newspaper Publication regarding electronic dispatch of Notice of 17th Annual general Meeting and Annual report for FY 2025-26 and e-voting informationBusiness Responsibility and Sustainability Reporting (BRSR) 13 Jul - Aptus submitted its BRSR for FY2025-26 with ESG, governance and workforce disclosures.Reg. 34 (1) Annual Report. 13 Jul - Submitted FY2025-26 Annual Report and notice for the 17th AGM on July 13, 2026.Notice Of The 17Th Annual General Meeting Of The Company 13 Jul - Aptus announces 17th AGM on 4 August 2026, including financial adoption, director reappointment, borrowing, NCD and ESOP proposals.Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 10 Jul - Regulation 74(5) certificate submitted for quarter ended June 30, 2026.