Aptus Value Housing Finance India Ltd Stock Price Today (NSE: APTUS)

Aptus Value Housing Finance India Ltd

260.60+0.50 (+0.19%)
Market Closed

Fundamental Score

...

Aptus Value Housing Finance India Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis

Aptus Value Housing Finance India Ltd share price today is 260.60, up +0.19% on NSE/BSE as of 18 June 2026. Aptus Value Housing Finance India Ltd (APTUS) is a Mid-cap company in the Housing Finance Company sector with a market capitalisation of 14.15K (Cr). The 52-week high for APTUS share price is 364.00 and the 52-week low is 193.03. At a P/E ratio of 16.78x, APTUS is currently trading below its industry average P/E of 18.03x. The company has a Return on Equity (ROE) of 18.58% and a debt-to-equity ratio of 1.57.

Aptus Value Housing Finance India Ltd Share Price Chart — NSE/BSE Historical Performance

No data
High
293.90
Low
250.50
Volume
20.3L
Change
+1.02%

Aptus Value Housing Finance India Ltd share price chart: 1.02% return over the past month. 52-week high ₹364.00, 52-week low ₹193.03.

Aptus Value Housing Finance India Ltd — Last 10 Trading Days

DateOpenHighLowCloseVolume
258.40261.90254.30260.604.53L (Cr)
260.00262.80257.70260.104.26L (Cr)
264.15268.95257.45260.305.53L (Cr)
261.00264.00259.75262.702.05L (Cr)
262.55265.80259.55260.204.20L (Cr)
261.75267.40261.75262.555.25L (Cr)
265.10265.30259.65260.353.46L (Cr)
269.50271.00262.00265.106.88L (Cr)
253.00274.20250.50269.1021.48L (Cr)
255.80257.90253.75254.554.98L (Cr)

Aptus Value Housing Finance India Ltd — Last 12 Months Price History

MonthOpenHighLowCloseChange
260.00262.80254.30260.60+0.23%
262.95293.90250.50260.30-1.01%
201.94267.90194.10260.14+28.82%
235.00242.76193.03194.57-17.20%
266.20292.55234.40244.00-8.34%
281.60290.00257.15275.40-2.20%
279.80296.45271.40279.10-0.25%
317.00322.75275.10279.10-11.96%
320.90332.00303.45317.60-1.03%
318.45353.25307.85319.75+0.41%
329.00364.00315.00317.60-3.47%
324.00354.80317.65327.65+1.13%

AI Research Briefing

Powered by Gemini · 2026-04-05

High growth affordable housing play with a promoter selling problem — watch closely.

Research Confidence
6.0/10Moderate
COMPOUNDERBreakdown — 1M: -10.99%, 3M: -12.79%, 6M: -8.12%.Fair — slightly below industry P/E, but growth needs to justify it.

WHAT'S HAPPENING NOW

No major catalysts in last 3 weeks — thesis is based on structural story only.

CORE STORY

This is a high-growth affordable housing finance play, riding the India housing boom. Not a deep value play, but a growth story.

Why Now
  • FII/DII buying is strong
  • Trading below 52W high
  • High growth rates
Potential Catalysts
  • Sustained high growth in loan disbursals
  • Stabilization of promoter holding
  • Positive news flow on asset quality
Key Risks
  • Heavy promoter selling (down 16.5%)
  • Negative Free Cash Flow
  • Thin interest coverage
Institutional Activity

FIIs and DIIs are accumulating, but promoter is exiting — conflicting signals.

Macro Context

Housing finance sector benefits from government initiatives, but rising interest rates are a headwind.

Order Book / Expansion

No major company news found in last 3 weeks

Cash Flow Quality

No — negative ₹5172.0 Cr FCF over 5 years.

3–6 Month Outlook

Next 3-6 months depend on maintaining growth momentum and stabilizing promoter holding. Watch for asset quality deterioration.

Primary Thesis Risk

Promoter selling signals potential governance issues and undermines the growth story.

For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.

Returns & Performance

Good

Return on Equity (ROE)

18.58%

Profit generated per ₹1 of shareholder equity

Average

Return on Capital (ROCE)

15.05%

Returns generated on total capital deployed

Excellent

Oper. Profit Margin (5Y Avg)

83.60%

Average operating profit margin over 5 years

Good

Dividend Yield

1.59%

Annual dividend as % of current share price

Aptus Value Housing Finance India Ltd Valuation Check

Average

Price to Earnings (P/E)

16.78x

Share price ÷ earnings per share. Lower = cheaper

Poor

Industry Avg P/E

18.03x

Average P/E of all peers in this sector

Market-cap Classification
Mid-cap
Balance of growth potential and stability.

Shareholding Pattern

Excellent

Promoter Holding

23.87%

% shares held by company founders/management

Excellent

FII Holding

35.36%

% shares held by foreign institutional investors

Excellent

DII Holding

25.87%

% held by domestic mutual funds, LIC, banks

Excellent

Promoter Pledged %

0.00%

% of promoter shares pledged as collateral — lower is safer

Growth Engine

Excellent

Profit Growth (Quarterly YoY)

24.50%

Net profit growth vs same quarter last year

Excellent

Revenue Growth (Quarterly YoY)

29.11%

Revenue growth vs same quarter last year

Excellent

Revenue Growth (5-Year CAGR)

28.46%

Compounded annual revenue growth over 5 years

Poor

EPS Growth (5-Year CAGR)

-7.95%

Earnings per share growth over 5 years

Excellent

Net Profit Growth (5-Year CAGR)

28.91%

Compounded annual net profit growth over 5 years

Balance Sheet Health

Poor

Debt to Equity Ratio

1.57x

Total debt ÷ equity. Below 0.5 = financially healthy

Good

Interest Coverage Ratio

2.77x

EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably

Free Cash Flow (5-Year Total)

-5.17K (Cr)

Cash left after capex over 5 years. Positive = self-funded growth

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

Aptus Value Housing Finance India Ltd Fundamental Analysis & Valuation Benchmarking

Educational evaluation of APTUS across key market metrics for learning purposes.

Positive Indicators

9 factors identified

Strong Return on Equity (18.58%)

Observation: Efficient use of shareholders' capital generating superior returns.

Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.

Excellent ROCE Performance (15.05%)

Observation: Superior returns on capital employed across business operations.

Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance.

Strong Operating Margins (83.60%)

Observation: Healthy 5-year operating margins indicate pricing power and cost control.

Analysis: OPM >15% suggests operational efficiency and competitive advantages.

Robust Profit Growth (24.50%)

Observation: Strong year-over-year profit expansion demonstrates business momentum.

Analysis: Profit growth >20% indicates effective execution and market opportunity capture.

Strong Revenue Growth (29.11%)

Observation: Healthy sales growth indicates market demand and execution capability.

Analysis: Revenue growth >15% suggests strong market position and growth potential.

Consistent Growth Track Record (28.46% CAGR)

Observation: Strong 5-year sales compound annual growth rate.

Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.

Strong Profit Growth Track Record (28.91% CAGR)

Observation: Consistent 5-year profit compound annual growth rate.

Analysis: Profit CAGR >15% demonstrates scalable business model.

Strong Institutional Confidence (FII+DII: 61.23%)

Observation: Significant professional investor participation.

Analysis: High institutional holding often signals thorough due diligence.

Zero Share Pledging Risk

Observation: No promoter shares pledged as collateral.

Analysis: Absence of share pledging eliminates potential forced-selling pressure.

Risk Factors

4 factors identified

Weak Earnings Growth (-7.95% CAGR)

Observation: Below-average 5-year EPS growth performance.

Analysis: Low EPS growth may not keep pace with inflation.

Elevated Debt Levels (D/E: 1.57)

Observation: High leverage increases financial risk and interest burden.

Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.

Negative Free Cash Flow (₹-5172.00 Cr over 5Y)

Observation: Cash outflows exceed inflows.

Analysis: Negative FCF requires analysis of capital expenditure cycle.

Low Promoter Commitment (23.87%)

Observation: Reduced promoter stake may indicate limited confidence.

Analysis: Low promoter holding may raise questions about management commitment.

Aptus Value Housing Finance India Ltd vs Housing Finance Company Peers

Peer Comparison - Housing Finance Company

Compare Aptus Value Housing Finance India Ltd with 10 other companies in the same sector

11 companies
Company Info
Fundamental
Valuation
Profitability
Financial Health
Growth
Dividend
Company
Company name
Score
Bull Run comprehensive fundamental score based on 20+ metrics
Price
Current trading price of the stock
Market Cap
Total value of all shares in the market
P/E
Price per share divided by earnings per share
ROE
Net income divided by shareholder equity
ROCE
Earnings before interest and tax divided by capital employed
Debt/Eq
Total debt divided by total equity
Profit 5Y
Average annual profit growth over 5 years
Sales 5Y
Average annual sales growth over 5 years
Dividend
Annual dividend per share divided by price per share
32.4/100
261
₹14148.60
16.8
Average
18.58%
Good
15.05%
Good
1.6
Average
28.91%
Excellent
28.46%
Excellent
1.59%
54.8/100
86
₹87039.71
36.9
Average
13.46%
Average
9.55%
Poor
4.4
Poor
38.71%
Excellent
29.33%
Excellent
0.00%
41.4/100
543
₹30291.98
5.5
Average
16.05%
Good
8.93%
Poor
7.1
Poor
17.76%
Excellent
7.33%
Good
1.82%
44.1/100
1065
₹23669.79
10.8
Average
12.27%
Average
9.46%
Poor
3.6
Poor
23.34%
Excellent
-2.03%
Poor
0.55%
31.1/100
478
₹21011.57
21.3
Average
16.86%
Good
11.42%
Average
2.5
Poor
36.61%
Excellent
17.50%
Excellent
0.00%
24.2/100
173
₹12631.74
9.9
Average
-8.66%
Poor
3.65%
Poor
2.0
Poor
-8.08%
Poor
0.00%
40.1/100
833
₹12107.71
13.1
Average
18.22%
Good
9.34%
Poor
6.6
Poor
17.91%
Excellent
13.82%
Good
1.32%
29.6/100
1369
₹11994.35
19.9
Average
14.11%
Average
10.09%
Average
3.1
Poor
18.16%
Excellent
21.15%
Excellent
0.00%
55.6/100
1076
₹11504.83
25.4
Average
16.46%
Good
11.35%
Average
2.4
Poor
36.87%
Excellent
30.23%
Excellent
0.33%
44.3/100
779
₹9428.70
21.2
Average
15.07%
Good
12.61%
Average
1.9
Average
51.70%
Excellent
38.34%
Excellent
0.58%
28.6/100
396
₹2590.06
5.7
Average
14.39%
Average
10.97%
Average
3.2
Poor
9.13%
Good
4.95%
Average
0.97%

Aptus Value Housing Finance India Ltd PE Ratio History

Historical price-to-earnings ratio for APTUS — last 5 years

YearEPS (₹)Price (₹)P/E Ratio
FY 202515.01₹279.1018.6x
FY 202412.21₹289.4523.7x
FY 202310.08₹319.7531.7x
FY 20227.53₹303.8040.3x

P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.

Aptus Value Housing Finance India Ltd Dividend History

Annual cash dividends paid by APTUS — dividend yield 1.59%

Financial YearDividends Paid (₹ Cr)
FY 2025224.68 Cr
FY 2024199.40 Cr
FY 202399.60 Cr

Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.

Aptus Value Housing Finance India Ltd Quarterly Performance

Latest quarterly metrics for APTUS — revenue growth and profit growth vs same quarter last year

Revenue Growth (YoY)

29.11%

Latest quarter vs same quarter previous year

Net Profit Growth (YoY)

24.50%

Latest quarter net profit vs same quarter previous year

5-Year Revenue CAGR

28.46%

Compounded annual revenue growth over 5 years

5-Year Profit CAGR

28.91%

Compounded annual net profit growth over 5 years

Aptus Value Housing Finance India Ltd Technical Indicators

SMA 50, SMA 200, RSI and volume signals for APTUS — calculated from daily price history

42RSI 14
Neutral — RSI 42

Momentum is balanced — neither overbought nor oversold.

SMA 50
241
▲ Price above SMA 50 — Short-term bullish
SMA 200
281
▼ Price below SMA 200 — Long-term downtrend
30-Day Avg Volume
2172K shares/day
Average daily traded volume over last 30 trading sessions

Technical indicators are for educational purposes only. Not investment advice.

Aptus Value Housing Finance India Ltd Financial Statements

Annual income statement, balance sheet and cash flow for Aptus Value Housing Finance India Ltd (APTUS) — sourced from NSE/BSE filings.

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Fetching financial data for Aptus Value Housing Finance India Ltd

About APTUS (Aptus Value Housing Finance India Ltd)

Aptus Value Housing Finance India Ltd is a distinguished housing finance company focused on serving the underserved, primarily in rural and semi-urban India. The company specialize...s in providing accessible and affordable housing finance solutions to low and middle-income families, empowering them to realize their dream of owning a home. Aptus distinguishes itself through its deep understanding of the specific needs and challenges of this demographic, offering tailored products and services that cater to their unique circumstances. The company's operational model emphasizes strong customer relationships, efficient loan processing, and robust risk management, ensuring sustainable growth and positive social impact. Aptus aims to transform lives and strengthen communities by bridging the housing finance gap and promoting financial inclusion across the country. Aptus’ core offering encompasses a comprehensive suite of housing finance products including home purchase loans, construction loans, home improvement loans, and loans against property. The company recognizes the crucial role of housing in improving livelihoods and therefore extends financial assistance to individuals who may not qualify for traditional bank loans. Understanding the diverse financial capabilities of its customer base, Aptus provides flexible repayment options and personalized loan structures to accommodate varying income levels. Beyond just providing financial assistance, Aptus also seeks to educate and empower its customers by offering guidance on home ownership, financial literacy, and property management. This holistic approach fosters long-term financial well-being and contributes to the overall stability of the communities it serves. Aptus Value Housing Finance India Ltd. operates with a strong emphasis on ethical lending practices and responsible financial stewardship. The company prioritizes transparency and customer service, building trust and lasting relationships with its borrowers. Aptus leverages technology to streamline its operations, enhance efficiency, and deliver a seamless customer experience. From online loan applications to digital payment options, Aptus embraces innovation to adapt to the evolving needs of its customers and the rapidly changing financial landscape. Furthermore, Aptus is committed to sustainable growth and environmental responsibility, actively promoting eco-friendly construction practices and supporting initiatives that contribute to a greener and more sustainable future for the communities it serves.

Company Details

Symbol:APTUS
Industry:Housing Finance Company
Sector:Housing Finance Company

Key Leadership

Mr. Munuswamy Anandan
Executive Chairman
Mr. Parthasarathy Balaji
MD & Director
Mr. John Vijayan Rayappa
Chief Risk Officer

Corporate Events

Recent
Ex-Dividend Date

APTUS Share Price: Frequently Asked Questions

What is the current share price of Aptus Value Housing Finance India Ltd?

Aptus Value Housing Finance India Ltd (APTUS) trades at ₹260.60 on NSE and BSE. Market cap ₹14.15K (Cr). Educational data only.

What is the P/E ratio of Aptus Value Housing Finance India Ltd?

Aptus Value Housing Finance India Ltd has a P/E of 16.78x vs industry average 18.03x.

What is the Bull Run score for Aptus Value Housing Finance India Ltd?

Aptus Value Housing Finance India Ltd has a Bull Run score of 32.4/100 based on 25+ financial parameters.

Does Aptus Value Housing Finance India Ltd pay dividends?

Aptus Value Housing Finance India Ltd has a dividend yield of 1.59%. Past dividends don't guarantee future payments.

What is the ROE of Aptus Value Housing Finance India Ltd?

Aptus Value Housing Finance India Ltd has ROE of 18.58%. Higher ROE indicates better use of shareholder equity.

What is the debt-to-equity ratio of Aptus Value Housing Finance India Ltd?

Aptus Value Housing Finance India Ltd has debt-to-equity of 1.57.

Is Aptus Value Housing Finance India Ltd a good investment?

Bull Run gives Aptus Value Housing Finance India Ltd a score of 32.4/100. This is not investment advice — consult a SEBI-registered advisor.