āagman

Not investment advice. Data and computed figures, for information only.

Aptus Value Housing Finance India Ltd

NSE: APTUS
₹224.21
+₹2.81 (+1.27%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹10,804 Cr
CMP
₹224.21
52-wk High / Low
₹323 / 193
P/E
11.0
P/B
2.1
Book Value
₹101.0
Div Yield
2.09%
ROCE
15.4%
ROE
20.0%
Face Value
₹2
D/E
1.56

Price−29.6% over 1Y

āagman read

Computed by āagman
Derived from 10 years and 14 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
4
/ 9
4 of 9 F-score tests passed
Graham Number
₹207
√(22.5 × EPS × book value per share)
Cash flow to profit
−0.52
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
15.4%
ROE × earnings retention ratio
ROE stability
2.0
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −0.38DII +0.47
Latest quarter vs the previous one
Cash-accrual divergence
11.8%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 15.9pp over the last year
+PE of 11x is below the sector median of 20.4x
Watch-outs
−Price trades below its 200-day moving average (0.9x)
−Price is 30.5% below its 52-week high
−Promoter holding fell by 38.4pp over the last year
−Balance-sheet accruals of 11.8% of average assets — earnings are not cash-backed

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales306334351375395421450484520544554574600
Expenses4556596161686775819199101108
Operating Profit—————————————
OPM %—————————————
Other Income1011131310149151010151910
Interest859698109120128143150160165162161170
Depreciation2322333333343
Profit before tax183190205215222237246271286294304328329
Net Profit142148158164172182190207219227236261261
EPS (₹)2.862.973.163.293.443.643.814.144.394.534.725.215.21

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 10 years + TTM
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales1262013255006408151,0931,3651,7502,1922,272
Expenses32476786101144196218270371400
Operating Profit———————————
OPM %———————————
Other Income03132319264044485354
Interest3653115185207209277389542650658
Depreciation22366779121314
Profit before tax561011532473454806547939751,2111,255
Net Profit3767112211267370503612751943985
EPS (₹)4.738.4914.1822.7428.777.4510.1012.2615.0318.8319.67

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital797979959599100100100100—
Reserves4425066201,6141,8852,8173,2403,6684,2174,960—
Other Liabilities18406116263941375484—
Total Liabilities8451,4652,3623,7474,5205,6847,1769,00511,24313,048—
Fixed Assets54410101215223539—
CWIP0000000000—
Investments1450053102515153240—
Other Assets8401,4162,3583,7374,4585,5707,1108,93111,15612,768—
Total Assets8451,4652,3623,7474,5205,6847,1769,00511,24313,048—
Borrowing3068401,6032,0222,5152,7283,7965,2006,8737,904—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−303−495−714−735−621−724−1,047−1,356−1,405−489
Cash from Investing Activity280−9765−6211121−90−72
Cash from Financing Activity3005347641,2094957689781,2241,461822
Net Cash Flow−14751377−61−1842−111−34261

Ratios

As of 31 Mar 2026
10 periods
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %—————————15.4
ROE %7.012.017.018.014.015.016.017.019.020.0
EPS (₹)4.738.4914.1822.7428.777.4510.1012.2615.0318.83
Book Value (₹)—————————101.0
Face Value (₹)—————————2
P/E—————————11.0
Div Yield %—————————2.09
NPM %29.432.833.140.340.544.044.443.441.842.0
OPM %——————————
D/E0.591.442.291.181.270.941.141.381.591.56
P/B—————————2.1

Growth

As of 11 Oct 2026
Compounded sales growth
5 years+28.0%
3 years+26.0%
TTM+21.0%
Compounded profit growth
5 years+29.0%
3 years+23.0%
TTM+23.0%
Stock price CAGR
5 years−8.0%
3 years−10.0%
Last year−32.0%
Return on equity
10 years17.0%
5 years18.0%
3 years19.0%
Last year20.0%

Shareholding pattern

As of 31 Dec 2024
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters62.35%62.35%62.21%61.10%52.99%23.86%23.86%
FIIs11.40%11.40%14.06%19.58%27.74%30.34%29.96%
DIIs20.38%20.38%2.59%5.11%9.88%29.43%29.90%
Government———————
Public5.88%5.88%21.15%14.22%9.40%16.35%16.27%
No. of shareholders1,40,8141,40,8141,31,3651,29,4151,55,2701,66,2291,66,122
Change since Jun 2023 (pp)
Promoters −38.49FIIs +18.56DIIs +9.52Public +10.39

Documents

As of 11 Oct 2026
Announcements
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Closure of Trading WindowAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Aug 2026TranscriptAug 2026PPTAug 2026RecordingMay 2026TranscriptMay 2026PPTMay 2026RecordingFeb 2026TranscriptFeb 2026PPTFeb 2026RecordingNov 2025TranscriptNov 2025PPTNov 2025RecordingAug 2025TranscriptAug 2025PPT

Corporate actions

As of 15 May 2026
15 May 2026DIVIDENDInterim Dividend - Rs 2.50 Per Share—
7 Nov 2025DIVIDENDInterim Dividend - Rs 2 Per Share—
16 May 2025DIVIDENDInterim Dividend - Rs 2.5 Per Share—
14 Nov 2024DIVIDENDInterim Dividend - Rs 2 Per Share—
15 May 2024DIVIDENDInterim Dividend - Rs 2.50 Per Share—
9 Feb 2024DIVIDENDInterim Dividend - Rs 2 Per Share—
12 May 2023DIVIDENDInterim Dividend - Rs 2 Per Share—
8 Dec 2022DIVIDENDInterim Dividend - Rs 2 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman