APTUS

Aptus Value Housing Finance India Limited

Affordable housing finance company offering home loans and loans against property

Financial Services›Financial Services›Finance›Housing Finance Company

aptusindia.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹222.50
Market cap
11,144 Cr
Stock P/E
11.3
P/B
2.20
Dividend yield
2.0%
ROE (FY26)
18.6%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

Aptus (Aptus Value Housing Finance India) is a Chennai-based affordable housing finance company that lends mainly home loans and small-business (SME) loans through a branch network that is strongest in southern India.

Company snapshot

7thBy market cap

Ranked among 14 companies in Housing Finance Company.

What we see

Positives
  • ✓Net margin of 42.0% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income228 Cr———277 Cr291 Cr300 Cr309 Cr308 Cr326 Cr353 Cr359 Cr
Other income11 Cr11 Cr17 Cr10 Cr14 Cr15 Cr15 Cr10 Cr10 Cr0 Cr0 Cr10 Cr
Net operating income239 Cr11 Cr17 Cr10 Cr291 Cr305 Cr315 Cr319 Cr317 Cr326 Cr353 Cr370 Cr
Employee cost39 Cr38 Cr43 Cr43 Cr44 Cr43 Cr47 Cr50 Cr53 Cr65 Cr62 Cr64 Cr
Other expenses11 Cr10 Cr13 Cr14 Cr15 Cr17 Cr21 Cr20 Cr20 Cr17 Cr23 Cr23 Cr
Provisions & contingencies————————————
Depreciation3 Cr2 Cr2 Cr3 Cr3 Cr3 Cr3 Cr3 Cr3 Cr3 Cr4 Cr3 Cr
Profit before tax190 Cr205 Cr215 Cr222 Cr237 Cr246 Cr271 Cr286 Cr294 Cr304 Cr328 Cr329 Cr
Tax %21.9%23.2%23.7%22.5%23.1%22.4%23.6%23.2%23.0%22.3%20.3%20.7%
Net profit148 Cr158 Cr164 Cr172 Cr182 Cr191 Cr207 Cr219 Cr227 Cr236 Cr261 Cr261 Cr
EPS (₹)₹2.97₹3.16₹3.29₹3.44₹3.65₹3.82₹4.15₹4.39₹4.54₹4.72₹5.22₹5.21

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———583 Cr782 Cr—1,129 Cr1,295 CrSign in free for the trailing twelve months
Other income13 Cr23 Cr19 Cr26 Cr36 Cr52 Cr48 Cr0 CrSign in free for the trailing twelve months
Net operating income13 Cr23 Cr19 Cr609 Cr818 Cr52 Cr1,177 Cr1,295 CrSign in free for the trailing twelve months
Employee cost48 Cr65 Cr71 Cr84 Cr121 Cr149 Cr177 Cr230 CrSign in free for the trailing twelve months
Other expenses13 Cr18 Cr21 Cr26 Cr37 Cr48 Cr66 Cr81 CrSign in free for the trailing twelve months
Provisions & contingencies————————Sign in free for the trailing twelve months
Depreciation6 Cr6 Cr6 Cr7 Cr7 Cr9 Cr12 Cr13 CrSign in free for the trailing twelve months
Profit before tax153 Cr247 Cr345 Cr480 Cr654 Cr793 Cr975 Cr1,211 CrSign in free for the trailing twelve months
Tax %27.0%14.7%22.6%22.9%23.1%22.9%22.9%22.1%Sign in free for the trailing twelve months
Net profit111 Cr211 Cr267 Cr370 Cr503 Cr612 Cr751 Cr943 CrSign in free for the trailing twelve months
EPS (₹)₹2.83₹4.77₹5.56₹7.58₹10.11₹12.27₹15.04₹18.84Sign in free for the trailing twelve months
Dividend payout %———0.0%19.8%32.6%29.9%23.9%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital79 Cr95 Cr95 Cr99 Cr100 Cr100 Cr100 Cr100 Cr
Reserves620 Cr1,615 Cr1,885 Cr2,817 Cr3,240 Cr3,668 Cr4,217 Cr4,960 Cr
Borrowings1,600 Cr2,015 Cr2,508 Cr2,721 Cr3,786 Cr—6,847 Cr7,874 Cr
Other liabilities30 Cr23 Cr33 Cr47 Cr51 Cr5,236 Cr80 Cr114 Cr
Total liabilities2,328 Cr3,747 Cr4,520 Cr5,684 Cr7,176 Cr9,004 Cr11,243 Cr13,048 Cr
Fixed assets (net)3 Cr3 Cr2 Cr3 Cr4 Cr5 Cr8 Cr8 Cr
CWIP————0.84 Cr1 Cr0 Cr0 Cr
Investments——53 Cr102 Cr51 Cr—53 Cr240 Cr
Loans & advances———5,079 Cr6,592 Cr—10,630 Cr11,930 Cr
Cash & bank107 Cr484 Cr423 Cr405 Cr372 Cr336 Cr406 Cr563 Cr
Other assets2,218 Cr3,259 Cr4,042 Cr95 Cr156 Cr8,662 Cr147 Cr307 Cr
Total assets2,328 Cr3,747 Cr4,520 Cr5,684 Cr7,176 Cr9,004 Cr11,243 Cr13,048 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-713 Cr-735 Cr-621 Cr-724 Cr-1,047 Cr-1,356 Cr-1,405 Cr-592 Cr
Cash from investing45 Cr-97 Cr65 Cr-62 Cr36 Cr21 Cr13 Cr-72 Cr
Cash from financing763 Cr1,209 Cr495 Cr768 Cr978 Cr1,224 Cr1,461 Cr822 Cr
Net cash flow95 Cr377 Cr-61 Cr-18 Cr-33 Cr-111 Cr70 Cr158 Cr
Free cash flow (OCF − Capex)-716 Cr-737 Cr-622 Cr-727 Cr-1,050 Cr-1,361 Cr-1,412 Cr-599 Cr

Ratios

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %16.0%12.3%13.5%12.7%15.1%16.2%17.4%18.6%
Debt / equity2.291.181.270.931.130.011.591.56