Aptus Value Housing Finance India Ltd (APTUS)
₹191.28
Mkt cap
₹9,580 Cr
P/E ratio
9.73
P/B
1.89
Div yield
2.35%
ROE
20.10%
ROCE
15.40%
EPS (TTM)
₹19.66
Book value
₹101
52W range
190–323
Sector
Financial Services
Price history
Previous close
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.
NSE APTUSBSE 543335
Health check
Constructive
ValuationCheap
ProfitabilityStrong
TechnicalsBearish
52-week range
−40.73% from high₹191
₹190+0.62% from low₹323
Current
₹191.28
Prev close
₹200.32
Day
−4.51%
Price performance
1D
−4.85%
1W
−2.99%
1M
−18.32%
3M
−31.24%
6M
−28.03%
1Y
−38.51%
YTD
−32.60%
Financials
Revenue, profit & margin
P/E ratio
9.7×
APTUS is 17% below the sector median of 11.8×
APTUS9.7×
Sector median11.8×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 306 | 334 | 351 | 375 | 395 | 421 | 450 | 484 | 520 | 544 | 554 | 574 | 600 | |
| Interest | 85 | 96 | 98 | 109 | 120 | 128 | 143 | 150 | 160 | 165 | 162 | 161 | 170 | |
| Expenses | 45 | 56 | 59 | 61 | 61 | 68 | 67 | 75 | 81 | 91 | 99 | 101 | 108 | |
| Financing Profit | 176 | 181 | 194 | 205 | 215 | 225 | 240 | 259 | 279 | 288 | 292 | 312 | 322 | |
| Financing Margin % | 57% | 54% | 55% | 55% | 54% | 53% | 53% | 54% | 54% | 53% | 53% | 54% | 54% | |
| Other Income | 10 | 11 | 13 | 13 | 10 | 14 | 9 | 15 | 10 | 10 | 15 | 19 | 10 | |
| Depreciation | 2 | 3 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 4 | 3 | |
| Profit before tax | 183 | 190 | 205 | 215 | 222 | 237 | 246 | 271 | 286 | 294 | 304 | 328 | 329 | |
| Tax % | 22% | 22% | 23% | 24% | 23% | 23% | 22% | 24% | 23% | 23% | 22% | 20% | 21% | |
| Net Profit | 142 | 148 | 158 | 164 | 172 | 182 | 190 | 207 | 219 | 227 | 236 | 261 | 261 | |
| EPS in Rs | 2.86 | 2.97 | 3.16 | 3.29 | 3.44 | 3.64 | 3.81 | 4.14 | 4.39 | 4.53 | 4.72 | 5.21 | 5.21 | |
| Gross NPA % | 1.29% | 1.19% | 1.19% | 1.07% | 1.32% | 1.25% | 1.28% | 1.19% | 1.49% | 1.55% | 1.56% | 1.52% | 1.70% | |
| Net NPA % | 0.97% | 0.89% | 0.89% | 0.80% | 0.98% | 0.94% | 0.96% | 0.89% | 1.12% | 1.17% | 1.18% | 1.15% | 1.29% | |
| Raw PDF |
Earnings
Results dates & reactionsNext results
4 Nov '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.58% · closed higher next day 7 of last 18
| Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 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◦ | 31 Jul '26 |
| Earnings day | +1.21% | −1.43% | −1.72% | +0.57% | −0.94% | +4.65% | +0.88% | −2.15% | +1.62% | −2.75% | +2.86% | −5.77% |
| +1 day | −0.31% | −0.99% | −1.72% | −1.35% | −0.06% | +3.98% | +2.35% | +1.09% | −3.58% | −3.86% | +5.76% | −4.91% |
| +5 days | +3.67% | −4.81% | −3.22% | −2.05% | −7.85% | +8.27% | +1.39% | +1.45% | −7.79% | −8.26% | +0.90% | −5.97% |
| +15 days | −1.93% | −8.10% | −5.93% | −0.91% | −7.02% | −0.43% | +7.18% | +3.31% | −8.37% | −12.12% | −2.66% | −7.02% |
| +30 days | +13.85% | −15.33% | +4.53% | +5.53% | −11.80% | −0.13% | −0.06% | +0.01% | −7.20% | −25.43% | +0.88% | −10.13% |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Interim Dividend - Rs 2.50 Per Share | 2.50 | 15 May '26 | 15 May '26 |
Shareholding
as of Sep 202623.86%Promoter
Promoters23.86%
FIIs30.54%0.58
DIIs27.83%2.07
Public17.77%1.50
Ownership trend
Peers
8 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 | ₹77.42 | 22.90 | 64,509 | 0.00% | 757 | +17.73% | 3,251 | +18.29% | 8.85% |
| Piramal Finance. | ₹1,817.00 | 74.41 | 42,996 | 0.61% | 545 | +32.08% | 3,659 | +27.43% | 6.47% |
| PNB Housing | ₹1,060.00 | 11.76 | 27,645 | 0.75% | 617 | +6.01% | 2,423 | +13.88% | 9.40% |
| LIC Housing Fin. | ₹493.70 | 4.61 | 27,157 | 2.03% | 1,507 | +11.65% | 7,194 | +0.21% | 8.59% |
| Aadhar Hsg. Fin. | ₹420.10 | 15.97 | 18,417 | 0.00% | 282 | +19.00% | 993 | +17.06% | 11.38% |
| Sammaan Capital | ₹116.74 | — | 13,560 | 0.00% | 243 | −27.22% | 1,652 | −31.18% | 4.92% |
| Home First Finan | ₹1,072.00 | 18.09 | 11,210 | 0.49% | 170 | +29.08% | 567 | +18.79% | 11.13% |
| Aptus Value Hou. | ₹191.28 | 9.73 | 9,580 | 2.35% | 261 | +19.01% | 600 | +15.38% | 15.41% |
| Median: 14 Co. | ₹456.90 | 11.76 | 10,396 | 0.68% | 252 | +18.37% | 865 | +14.63% | 9.66% |
Filings
Annual reports6
Concall transcripts47
TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026RECFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptNov 2024PPTNov 2024TranscriptAug 2024PPTAug 2024TranscriptMay 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 27 OctAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 14 Oct - Aptus will hold Q2FY27 earnings conference call on November 5, 2026, at 10:00 AM IST.Board Meeting Intimation for Board Meeting Intimation For Consideration And Approval Of The Unaudited Financial Results (Standalone And Consolidated) Of The Company For The Second Quarter And Half Year Ended September 30, 2026 13 Oct - Board meets November 4, 2026 to approve Q2/H1 results and consider first interim dividend; record date November 13.Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 5 Oct - Certificate under Reg.74(5) of SEBI (DP) Regulations for the Quarter ended on 30th September 2026Closure of Trading Window 25 Sep