Aptus Value Housing Finance India Ltd
Fundamental Score
Aptus Value Housing Finance India Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
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. This indicates quality business fundamentals.
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. This indicates sustainable profitability potential.
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. This suggests positive business trajectory.
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. This indicates business expansion success.
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 and market opportunity execution over time.
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 and effective operational leverage over time.
Strong Institutional Confidence (FII+DII: 61.23%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
5 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. Consider growth catalysts and competitive positioning.
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 and cash flow generation.
Negative Free Cash Flow (₹-5172.00 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Low Promoter Commitment (23.87%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Financial Statements
Comprehensive financial data for Aptus Value Housing Finance India Ltd
About APTUS
Business Overview
Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions in India. The company offers home and quasi-home loans for the purchase, construction, renovation, and extension of houses; loans against property for construction and purchase of houses; and secured, small business, and refinance loans. It also provides life, credit shield, and property insurance products. The company serves individual homebuyers; low and middle income salaried and self-employed individuals; and first-time homeowners from rural and semi-urban areas. Aptus Value Housing Finance India Limited was incorporated in 2009 and is headquartered in Chennai, India.
Company Details
Key Leadership
Corporate Events
APTUS Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Aptus Value Housing Finance India Ltd (APTUS)?
As of 06 Feb 2026, 10:01 am IST, Aptus Value Housing Finance India Ltd (APTUS) is currently trading at ₹259.10. The stock has a market capitalization of ₹14.15K (Cr).
Is APTUS share price Overvalued or Undervalued?
APTUS is currently trading at a P/E ratio of 16.78x, compared to the industry average of 18.03x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Aptus Value Housing Finance India Ltd share price?
Key factors influencing APTUS's price include its quarterly earnings growth (Sales Growth: 29.11%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Aptus Value Housing Finance India Ltd a good stock for long-term investment?
Aptus Value Housing Finance India Ltd shows a 5-year Profit Growth of 28.91% and an ROE of 18.58%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.57 before investing.
How does Aptus Value Housing Finance India Ltd compare with its industry peers?
Aptus Value Housing Finance India Ltd competes with major peers in the Housing Finance Company. Investors should compare APTUS's P/E of 16.78x and ROE of 18.58% against the industry averages to determine its competitive standing.
What is the P/E ratio of APTUS and what does it mean?
APTUS has a P/E ratio of 16.78x compared to the industry average of 18.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹17 for every ₹1 of annual earnings.
How is APTUS performing according to Bull Run's analysis?
APTUS has a Bull Run fundamental score of 32.4/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does APTUS belong to?
APTUS operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Aptus Value Housing Finance India Ltd.
What is Return on Equity (ROE) and why is it important for APTUS?
APTUS has an ROE of 18.58%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently Aptus Value Housing Finance India Ltd generates profits from shareholders' equity.
How is APTUS's debt-to-equity ratio and what does it indicate?
APTUS has a debt-to-equity ratio of 1.57, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is APTUS's dividend yield and is it a good dividend stock?
APTUS offers a dividend yield of 1.59%, which means you receive ₹1.59 annual dividend for every ₹100 invested.
How has APTUS grown over the past 5 years?
APTUS has achieved 5-year growth rates of: Sales Growth 28.46%, Profit Growth 28.91%, and EPS Growth -7.95%.
What is the promoter holding in APTUS and why does it matter?
Promoters hold 23.87% of APTUS shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is APTUS's market capitalization category?
APTUS has a market capitalization of ₹14149 crores, placing it in the Mid-cap category.
How volatile is APTUS stock?
APTUS has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for APTUS?
APTUS has a 52-week high of ₹N/A and low of ₹N/A.
What is APTUS's operating profit margin trend?
APTUS has a 5-year average Operating Profit Margin (OPM) of 83.60%, indicating the company's operational efficiency.
How is APTUS's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 29.11% and YoY Profit Growth of 24.50%.
What is the institutional holding pattern in APTUS?
APTUS has FII holding of 35.36% and DII holding of 25.87%. Significant institutional holding often suggests professional confidence in the stock.