APTUS
Aptus Value Housing Finance India Limited (APTUS) Stock Analysis
Aptus Value Housing Finance India Limited is an Indian affordable housing finance company focused on self-employed and informal-income borrowers. It provides home loans in semi-urban and rural Tamil Nadu and expanding southern markets. The company emphasizes secured lending and local underwriting. It is a listed housing finance stock.
Financial Services › Mortgage Finance
₹222.50
+3.14% 1W | -28.60% 52W
Market Cap
11.1k CR
P/E Ratio
11.3
52W High
₹322.8
52W Low
₹193
Div. Yield
2.23%
Beta
0.7
50 DMA
₹244.8
200 DMA
₹253.5
Profit Margin
61.8%
Inst. Own.
49.7%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% |
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 126 | 201 | 325 | 500 | 640 | 815 | 1,093 | 1,365 | 1,750 | 2,192 | 2,272 |
| Interest | 36 | 53 | 115 | 185 | 207 | 209 | 277 | 389 | 542 | 650 | 658 |
| Expenses | 32 | 47 | 67 | 86 | 101 | 144 | 196 | 218 | 270 | 371 | 400 |
| Financing Profit | 58 | 101 | 143 | 230 | 332 | 461 | 621 | 758 | 939 | 1,171 | 1,215 |
| Financing Margin % | 46% | 50% | 44% | 46% | 52% | 57% | 57% | 56% | 54% | 53% | 53% |
| Other Income | 0 | 3 | 13 | 23 | 19 | 26 | 40 | 44 | 48 | 53 | 54 |
| Depreciation | 2 | 2 | 3 | 6 | 6 | 7 | 7 | 9 | 12 | 13 | 14 |
| Profit before tax | 56 | 101 | 153 | 247 | 345 | 480 | 654 | 793 | 975 | 1,211 | 1,255 |
| Tax % | 34% | 34% | 27% | 15% | 23% | 23% | 23% | 23% | 23% | 22% | |
| Net Profit | 37 | 67 | 112 | 211 | 267 | 370 | 503 | 612 | 751 | 943 | 985 |
| EPS in Rs | 4.73 | 8.49 | 14.18 | 22.74 | 28.77 | 7.45 | 10.10 | 12.26 | 15.03 | 18.83 | 19.67 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 20% | 37% | 30% | 24% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 26.0% | 28.0% | – |
| Profit CAGR | 23.0% | 29.0% | – |
Shareholding Pattern
Promoters40.37%
FIIs30.41%
DIIs16.04%
Public13.19%
Promoters23.87%
FIIs35.36%
DIIs25.87%
Public14.89%
Promoters23.86%
FIIs33.19%
DIIs27.29%
Public15.65%
Promoters23.86%
FIIs30.34%
DIIs29.43%
Public16.35%
Promoters23.86%
FIIs29.96%
DIIs29.90%
Public16.27%
Promoters62.21%
FIIs14.06%
DIIs2.59%
Public21.15%
Promoters61.10%
FIIs19.58%
DIIs5.11%
Public14.22%
Promoters52.99%
FIIs27.74%
DIIs9.88%
Public9.40%
Promoters23.86%
FIIs30.34%
DIIs29.43%
Public16.35%
Promoters23.86%
FIIs29.96%
DIIs29.90%
Public16.27%
APTUS
Holdings Analysis
Key strengths & risk signals
64
Overall
84
Fundamental
44
Technical
Risks (4)
HIGH DEBT! D/E of 1.59 - caution advised.
POOR YEAR! Stock declined 28.6% in the last year.
WEAK POSITION! Current price (222.5) is below both moving averages.
BEARISH TREND! 50-day average (244.8) is below 200-day average (253.5) - negative signal.
Strengths (3)
EXCELLENT EFFICIENCY! 61.8% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 37.5 - watch for reversal.
Fundamental & Technical Analysis
64Overall
84Fundamental
44Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 23.0% (EXCELLENT, 15/15). Profit CAGR: 23.3% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 61.8% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.48 indicates stock is cheap relative to growth.
Dividend Yield
6/10
MODERATE DIVIDEND! 2.23% yield - some income benefit.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.59 - caution advised.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 20.68% public ownership - balanced ownership structure.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (244.8) is below 200-day average (253.5) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (222.5) is below both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATING DOWN
52W Performance
1/10
POOR YEAR! Stock declined 28.6% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,679,670 vs down days: 1,779,347. Ratio: 0.94x
RSI
4/5
APPROACHING OVERSOLD! RSI at 37.5 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 22.7% of 52W range - weakness visible.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 3.1% (1 week), -7.3% (1 month), -27.5% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
APTUS
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-14 | Concall PDF | |
| Q3FY262026-02-12 | Concall PDF | |
| Q2FY262025-11-10 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| APTUS | ₹222.50 | 11.3 | 61.8% | 23.0% | 23.3% | -28.6% | 64 | CONSOLIDATING DOWN | +19.0% | 0.0% | +19.3% | +1.9% |
| HOMEFIRST | ₹1,099.80 | 19.9 | 51.4% | 33.7% | 33.3% | -9.0% | 64 | BREAKDOWN | +34.5% | +7.0% | +17.4% | +7.0% |
| CANFINHOME | ₹732.10 | 8.5 | 67.1% | 16.0% | 19.0% | -8.3% | 63 | CONSOLIDATING DOWN | – | +2.7% | +16.7% | -0.9% |
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
| SAMMAANCAP | ₹133.90 | – | – | 21.0% | – | -17.9% | 45 | APPROACHING RESISTANCE | -27.2% | -103.0% | -30.1% | +0.1% |
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| AADHARHFC | ₹447.00 | 17.4 | 48.2% | 21.7% | 26.2% | -12.3% | 70 | BREAKOUT | +19.0% | -9.2% | +15.6% | +2.9% |
| REPCOHOME | ₹340.80 | 4.4 | 56.8% | 44.9% | 14.6% | -16.4% | 73 | APPROACHING SUPPORT | +5.6% | -10.1% | +6.8% | +2.5% |
Data from TradeAlone · Updated daily
