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Aptus Value Housing Finance India Ltd

Aptus Value Housing Finance India

Mid Cap3,351 EmployeesIPO 2021
Current Price
229.57
-2.45 (-1.06%)Updated
NSE :APTUS
BSE :543335
Today's Range
228.01
229.57
indicator
235.22
52 Week Range
52W Low218.27
52W High364.00
229.57
indicator
Downside5.18%
Upside58.56%

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
12,478.26 Cr
Market Cap
Total market value of company
P/E Ratio
14.60
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
3.44
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
16.82
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
9.66%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
15.00%
ROCE
Return on Capital Employed. >15% is good
Net Margin
41.89%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
28.69%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
33.34%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
31.70%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
27.70%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
1.59
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
86.37
Book Value
Net asset value per share
Dividend Yield
2.03%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
23.90%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • High ROE of 18.6% indicates strong profitability and efficient capital utilization.
  • Robust quarterly profit growth of 27.7% demonstrates operational efficiency and demand.

Weaknesses

5 points
  • High debt-to-equity ratio of 1.59 indicates substantial reliance on debt financing.
  • Promoter holding significantly decreased to 23.87%, raising governance concerns.

Opportunities

5 points
  • Housing finance sector poised for growth due to urbanization and government support.
  • Strong quarterly sales (31.7%) and profit (27.7%) growth indicate market expansion potential.

Threats

5 points
  • Intense competition from established players could pressure margins and market share.
  • Housing finance sector highly sensitive to economic slowdowns and regulatory changes.

Segment-wise Financial Analysis

Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...

Shareholding Pattern

Loading shareholding data...

Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4248.28+₹18.71+8.15%
R3241.07+₹11.50+5.01%
R2238.14+₹8.57+3.73%
R1233.86+₹4.29+1.87%
PIVOT230.931.360.59%
CURRENT229.57--
S1212.23-₹17.34-7.55%
S2219.44-₹10.13-4.41%
S3223.72-₹5.85-2.55%
S4226.65-₹2.92-1.27%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
1.79M
(11 Mar 2026)
+27.6% vs avg
Delivery %
66.4%
(11 Mar 2026)
+6.0% vs avg
Avg Volume (20D)
1.40M
(11 Feb - 11 Mar)
20-day average
Avg Delivery %
60.4%
(11 Feb - 11 Mar)
Trend ↑
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Housing Finance Ltd
73,949.47 ₹ Cr
Best Profit Growth
India Shelter Finance Corporation Ltd
43.00 %
Highest Dividend Yield
GIC Housing Finance Ltd
2.81 %

Peer Comparison

Company Name
AADHARHFC
Aadhar Housing Finance Ltd
AAVAS
AAVAS Financiers Ltd
BAJAJHFL
Bajaj Housing Finance Ltd
CANFINHOME
Can Fin Homes Ltd
GICHSGFIN
GIC Housing Finance Ltd
HOMEFIRST
Home First Finance Company India Ltd
IIFL
IIFL Finance Ltd
INDIASHLTR
India Shelter Finance Corporation Ltd
LICHSGFIN
LIC Housing Finance Ltd
PNBHOUSING
PNB Housing Finance Ltd
SAMMAANCAP
Sammaan Capital Ltd

About

APTUS

Aptus Value Housing Finance India Ltd

Aptus Value Housing Finance India Limited, along with its subsidiary Aptus Finance India Private Limited, is a housing finance company based in India. Their core business revolves around providing various loan products specifically tailored to the needs of low- and middle-income families, primarily residing in rural and semi-urban areas.

The company's loan offerings are diverse and cater to different stages of homeownership. These include loans for the construction of new homes, the purchase of existing properties, renovations and home extensions. They also provide loans secured against existing property, which can be utilized for further construction or purchasing additional housing. This comprehensive approach aims to support individuals throughout their homeownership journey.

Aptus recognizes the importance of risk mitigation and offers complementary financial products alongside its primary loan services. Credit shield and property insurance are available to protect borrowers from unforeseen circumstances and financial hardship. This integrated approach helps minimize risk for both the borrower and the lender.

Beyond home financing, Aptus also extends its services to encompass small business loans and top-up loans. This diversification strategy allows them to cater to a broader client base and further establish their presence within the financial services sector of India's underserved communities. Their focus on the self-employed segment highlights their commitment to supporting entrepreneurs and fostering economic growth at the grassroots level.

In essence, Aptus Value Housing Finance India Limited plays a crucial role in facilitating homeownership and supporting small businesses within India's rural and semi-urban populations. Their holistic approach, encompassing diverse loan products and risk management tools, contributes to financial inclusion and economic empowerment within these often-overlooked communities.

COMPANY FACTS - APTUS

Registered Address

No. 8B, Doshi Towers, 8th Floor,, No: 205, Poonamallee High Road,, Kilpauk,

Chennai

TAMIL NADU

IN

Company Details

Group: Financial Services

Sector: Financials

Industry: Financial Services

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 3,351

IPO Date: 24/08/2021

MANAGEMENT - APTUS

Mr. M. Anandan

Executive Chairman of the Board

Mr. Sanjay Mittal

Chief Financial Officer

Mr. N. Srikanth

Senior Vice President - Human Resources

Mr. V. Kumar

Senior Vice President - Legal and Receivable

Mr. V. Krishnaswami

Chief Technology Officer

Mr. Sanin Panicker

Compliance Officer, Company Secretary

Mr. John Rayappa

Chief Risk Officer

Mr. R. Kumar

Vice President - Operations and Compliance

Mr. P. Balaji

Managing Director, Executive Director

Mr. Vijayaraghavan Kannan

Chief Internal Audit Officer

Mr. S. Kishore

Senior Associate Vice President - Credit

Mr. C.T Manoharan

Executive Director, Chief Business Officer

Investor Questions Answered

Aptus Value Housing Finance India Ltd (APTUS) Stock FAQs

Get answers to the most common questions about Aptus Value Housing Finance India Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Aptus Value Housing Finance India Ltd (APTUS) is ₹229.57. Today, the stock has declined by ₹2.45 (1.06%), trading in a range of ₹228.01 to ₹235.22. The stock opened at ₹233 with a trading volume of 17,89,017 shares.
Aptus Value Housing Finance India Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹12,478.26 crores, P/E ratio of 14.60, ROE of 9.66%, and ROCE of 15.00%. The dividend yield stands at 2.03%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Aptus Value Housing Finance India Ltd (APTUS) is ₹364, while the 52-week low is ₹218.27. Currently trading at ₹229.57, the stock is 7.8% away from its 52-week low and 36.9% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Aptus Value Housing Finance India Ltd stock at ₹229.57 depends on multiple factors. The stock is currently trading with a P/E ratio of 14.60 and P/B ratio of N/A. Today's performance shows a loss of 1.06%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Aptus Value Housing Finance India Ltd offers a dividend yield of 2.03%, which means for every ₹100 invested at the current price of ₹229.57, you can expect to receive approximately ₹2.03 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Aptus Value Housing Finance India Ltd's key financial metrics include: P/E Ratio: 14.60, P/B Ratio: N/A, ROE: 9.66%, ROCE: 15.00%, Dividend Yield: 2.03%, EPS: ₹16.82, Book Value: ₹86.37, Debt-to-Equity: 1.59, and Current Ratio: N/A. The company's market cap stands at ₹12,478.26 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Aptus Value Housing Finance India Ltd stock opened at ₹233 and is currently trading at ₹229.57, showing a decline of ₹2.45 (1.06%). The intraday high is ₹235.22 and low is ₹228.01. The trading volume stands at 17,89,017 shares, indicating strong market participation today.
Aptus Value Housing Finance India Ltd has a Price-to-Earnings (P/E) ratio of 14.60, which means investors are willing to pay ₹14.60 for every ₹1 of earnings. With an EPS of ₹16.82, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Aptus Value Housing Finance India Ltd has a market capitalization of ₹12,478.26 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹229.57) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Aptus Value Housing Finance India Ltd has a book value of ₹86.37 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹229.57, which is 165.8% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Aptus Value Housing Finance India Ltd has a Return on Equity (ROE) of 9.66% and Return on Capital Employed (ROCE) of 15.00%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Aptus Value Housing Finance India Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Aptus Value Housing Finance India Ltd has a debt-to-equity ratio of 1.59, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 1 suggests the company uses more debt than equity for financing. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Aptus Value Housing Finance India Ltd has an Earnings Per Share (EPS) of ₹16.82, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹229.57 and P/E ratio of 14.60, investors are paying 14.60 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Aptus Value Housing Finance India Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Aptus Value Housing Finance India Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Aptus Value Housing Finance India Ltd stock, consider: 1) Fundamental Analysis - Review P/E (14.60), ROE (9.66%), debt-to-equity (1.59), and growth rates. 2) Technical Analysis - Check 52-week range (₹218.27 - ₹364.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹229.57) with book value (₹86.37) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Aptus Value Housing Finance India Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹229.57 is 11379x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Aptus Value Housing Finance India Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹218.27 - ₹364.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 1.59 indicates leverage. 4) Liquidity Risk - Based on trading volume of 17,89,017 shares. 5) Valuation Risk - P/E of 14.60 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Aptus Value Housing Finance India Ltd operates in the industry with key metrics: P/E ratio of 14.60, ROE of 9.66%, market cap of ₹12,478.26 crores, and dividend yield of 2.03%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 1.59), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Aptus Value Housing Finance India Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹229.57, with a 52-week range of ₹218.27 to ₹364.00. Based on fundamentals like P/E (14.60), ROE (9.66%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Aptus Value Housing Finance India Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹229.57. 2) Fundamental Deterioration - Declining ROE (currently 9.66%), increasing debt (D/E: 1.59), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Aptus Value Housing Finance India Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 2.03%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.