Aptus Value Housing Finance India Ltd Share Price
Finance - Housing - Large
As on 31 January 2025 at 14:14 IST
About Aptus Value Housing Finance India Ltd
Aptus Value Housing Finance India Ltd is a housing finance company focused on retail. It serves less and average-income self-employed customers in semi-urban and rural areas. Founded in 2009, the company has built a strong presence over many years with one of the lowest NPAs in the industry. The company is headquartered in Chennai, Tamil Nadu. It is under the leadership of founder M Anandan. The company offers loans for housing, home improvement, business and loans against property. Operating in the financial services sector, especially housing finance. Read More...
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LOGINOver 1 Month
1.97%
Over 6 Months
-6.28%
Over 1 Year
-17.06%
Over 3 Years
-17.87%
Aptus Value Housing Finance India Ltd Summary
Close
₹
299.25
Open
₹
298.85
High
₹
303.75
Low
₹
291.75
Volume
7,62,072
Net Turnover (in ₹ Cr)
₹
15.22
52Wk High
₹
401.65
52Wk Low
₹
267.95
52Wk High / Low
267.95
401.65
Aptus Value Housing Finance India Ltd Fundamentals
Key Financial Data
Market Cap (in ₹Cr)
₹
14,839.48
EPS (TTM)
10.15
Book Value (BV)
71.32
Div. Yield
1.52
%
P/E (TTM)
29.20
Price/Book Value
4.16
Delivery %
67.85
%
Face Value
2
Key Ratios
PE Ratio
32.07
PB Ratio
4.53
EV to Sales
17.59
PEG Ratio
2.49
ROA
6.49
ROE
14.75
Debt-Equity
1.15
Net Profit Margin
42.81
Operating Profit Margin
84.61
Aptus Value Housing Finance India Ltd Financials
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Total Revenue | 1,416.84 | 1,133.64 | 840.22 | 658.21 | 523.72 |
| Total Expenses | 623.69 | 479.92 | 360.20 | 313.12 | 276.43 |
| Profit Before Tax | 793.16 | 653.72 | 480.02 | 345.09 | 247.29 |
| Profit After Tax | 611.90 | 503.01 | 370.14 | 266.94 | 211.01 |
| Operating Profit after Depreciation | 793.16 | 653.72 | 480.02 | 345.09 | 247.29 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Fixed Assets | 21.92 | 15.27 | 11.97 | 9.56 | 10.11 |
| Total Non Current Assets | 8,627.15 | 6,678.76 | 5,215 | 4,069.10 | 3,139.92 |
| Total Current Assets | 377.46 | 497.53 | 469.04 | 451.06 | 606.80 |
| TOTAL ASSETS | 9,004.61 | 7,176.28 | 5,684.04 | 4,520.17 | 3,746.72 |
| Total Shareholder's Fund | 3,767.92 | 3,339.33 | 2,916.16 | 1,979.45 | 1,709.01 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Net Cash from Operating Activities | -1,355.68 | -1,047.11 | -723.53 | -620.96 | -734.80 |
| Net Cash used in Investing Activities | 20.71 | 110.67 | -62.04 | 64.76 | -96.89 |
| Net Cash used in Financing Activities | 1,224.31 | 978.03 | 768.02 | 494.91 | 1,208.87 |
| Particulars (in ₹ Cr.) | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Total Revenue | 1,122.65 | 963.87 | 702.88 | 551.54 | 455.04 |
| Total Expenses | 505.92 | 416.84 | 306.50 | 272.70 | 247.58 |
| Profit Before Tax | 616.72 | 547.03 | 396.38 | 278.84 | 207.46 |
| Profit After Tax | 480.62 | 424.59 | 308.23 | 217.85 | 181.42 |
| Operating Profit after Depreciation | 616.72 | 547.03 | 396.38 | 278.84 | 207.46 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Fixed Assets | 21.92 | 15.27 | 11.97 | 9.56 | 10.10 |
| Total Non Current Assets | 7,145.76 | 6,165.76 | 4,697.49 | 3,660.47 | 2,913.05 |
| Total Current Assets | 289.95 | 463.01 | 453.03 | 428.78 | 602.31 |
| TOTAL ASSETS | 7,435.71 | 6,628.77 | 5,150.53 | 4,089.25 | 3,515.36 |
| Total Shareholder's Fund | 3,407.95 | 3,110.64 | 2,765.90 | 1,891.10 | 1,669.75 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Net Cash from Operating Activities | -507.69 | -1,128.72 | -675.54 | -487.97 | -532.60 |
| Net Cash used in Investing Activities | 21.25 | 110.03 | -62.10 | 67.90 | -156.14 |
| Net Cash used in Financing Activities | 322.10 | 1,045.49 | 726.19 | 345.87 | 1,064 |
| Particulars (in ₹ Cr.) | 2024-09 | 2024-06 | 2024-03 | 2023-12 | 2023-09 |
|---|---|---|---|---|---|
| Total Revenue | 421.39 | 394.94 | 374.54 | 351.42 | 333.58 |
| Total Expenses | 195.98 | 180.41 | 173.80 | 157.11 | 152.27 |
| Profit Before Tax | 108.79 | 101.75 | 106.50 | 106.69 | 93.42 |
| Profit After Tax | 181.97 | 171.75 | 164.03 | 157.59 | 148.02 |
| Operating Profit after Depreciation | 239.57 | 224.22 | 217.35 | 207.54 | 192.19 |
| Particulars (in ₹ Cr.) | 2024-09 | 2024-06 | 2024-03 | 2023-12 | 2023-09 |
|---|---|---|---|---|---|
| Total Revenue | 313.63 | 298.97 | 288.33 | 276.40 | 268.57 |
| Total Expenses | 144.46 | 141.83 | 138.47 | 128.27 | 123.05 |
| Profit Before Tax | 79.12 | 70.93 | 74.67 | 74.71 | 68.46 |
| Profit After Tax | 136.79 | 127.27 | 122.24 | 120.79 | 118.67 |
| Operating Profit after Depreciation | 178.49 | 164.60 | 161.69 | 157.81 | 152.76 |
Aptus Value Housing Finance India Ltd Technicals
Support and Resistance
S3
S2
S1
Pivot
R1
R2
R3
S1
291.07
S2
285.23
S3
281.77
Pivot
294.53
R1
300.37
R2
303.83
R3
309.67
Moving Average
20 SMA
285.38
50 SMA
300.50
100 SMA
325.04
200 SMA
323.11
Aptus Value Housing Finance India Ltd Corporate Actions
Aptus Value Housing Finance India Ltd
₹2/Share
Announcement Date
14 Nov 2024
Record Date
15 Nov 2024
Div Yield
100%
Aptus Value Housing Finance India Ltd Peer Comparison
| Company | Price | Market Cap (in ₹ Cr) |
|---|---|---|
| Aptus Value Housing Finance India Ltd | ₹296.35 | ₹14,811.99 |
| Bajaj Finance Ltd | ₹7,899.30 | ₹4,88,963.88 |
| Bajaj Finserv Ltd | ₹1,744.70 | ₹2,78,569.64 |
| Indian Railway Finance Corporation Ltd | ₹148.35 | ₹1,93,871.29 |
| Jio Financial Services Ltd | ₹234.70 | ₹1,49,111.58 |
| Power Finance Corporation Ltd | ₹413.90 | ₹1,36,591.21 |
Aptus Value Housing Finance India Ltd News
Aptus Value Housing Finance India announces board meeting date
On 31 January 2025
17 Jan 2025, 05:19 pm
Aptus Value Housing Finance India receives credit ratings for NCDs
13 Dec 2024, 06:51 pm
Aptus Value Housing Finance India allots 26,985 equity shares under ESOP
04 Dec 2024, 07:59 pm
Aptus Value Housing Finance India allots 44,063 equity shares under ESOS
03 Dec 2024, 07:37 pm
Board of Aptus Value Housing Finance India recommends interim dividend
Of Rs 2 per share
05 Nov 2024, 03:06 pm
Aptus Value Housing Finance India Ltd Stock Analysis
- Annual revenue for Aptus Value Housing Finance India Ltd increased by 16.47% to ₹1,122.65 crore in FY 2024 from ₹963.87 crore in FY 2023.
- Annual Net Profit for Aptus Value Housing Finance India Ltd increased by 13.20% to ₹480.62 crore in FY 2024 from ₹424.59 crore in FY 2023.
- Promoter Shareholding in Aptus Value Housing Finance India Ltd decreased by 1.71% in the most recent quarter, from 53.91% in September 2024 to 52.98% in December 2024.
- Aptus Value Housing Finance India Ltd delivered a 1-year return of -17.06% compared to the Nifty 50, which provided a return of 8.03% as of the last trading session.
- Aptus Value Housing Finance India Ltd share price moved up by 0.79% from its previous close of INR ₹296.90. The latest Aptus Value Housing Finance India Ltd share price is INR ₹299.25.
- Aptus Value Housing Finance India Ltd share price today has been at a low of 291.75 and a high of 303.75. Over the past 52 weeks, the Aptus Value Housing Finance India Ltd share price has seen a low of 267.95 and a high of 401.65.
About Aptus Value Housing Finance India Ltd
Aptus Value Housing Finance India Ltd is a housing finance company focused on retail. It mainly aids the less or average-income self-employed customers in semi-urban and rural areas. The company operates in the financial services sector, especially in the housing finance segment. It has been operational since 2009, making it a relatively young player with years of experience.
Aptus Value Housing Finance India Ltd has its headquarters in Chennai, Tamil Nadu. Its registered office is in No. 8B, Doshi Towers, 205, Poonamallee High Road, Kilpauk, Chennai-600010. The company was created by M Anandan, who currently serves as the Chairman and Managing Director. The company's promoter group includes M Anandan, his family members, and WestBridge Crossover Fund, LLC. It has the following key management members:
Aptus Value Housing provides loans for housing, home improvement, business and loans against property. The company is not the top player in the housing finance sector. But Aptus has carved out a strong niche in serving self-employed customers in tier 2-4 cities. It has demonstrated consistent growth and maintains a high-quality loan book with one of the lowest NPAs in the industry.
The promoter shareholding stands at 53.91%. This indicates strong promoter confidence in the business. The company operates several branches across various states in South and West India. It primarily focuses on Tamil Nadu, Andhra Pradesh, Karnataka, and Telangana. Their business model emphasizes strong underwriting practices. Additionally, they ensure maintaining high asset quality while serving the underserved segments of the housing finance market.
Market Performance and Growth
Aptus Value Housing Finance has demonstrated remarkable success since its startup in 2009. It is consistently delivering strong financial performance and sustainable growth. The company focuses on serving underserved self-employed customers in rural and semi-urban areas. This has proved to be a winning strategy. They have a deep understanding of customer needs and robust risk assessment. These capabilities have enabled them to maintain one of the industry's lowest NPA levels while expanding their business footprint.
Financial Achievement
The company has shown exceptional financial skills with consistent year-on-year growth in both assets under management (AUM) and profitability. Their success is reflected in their strong return on equity (ROE) metrics and efficient cost management. The company maintains a healthy capital adequacy ratio. Well above regulatory requirements, demonstrating its financial strength and stability. Their ability to raise capital at competitive rates and maintain strong relationships with lending institutions has contributed significantly to their cost-efficient operations.
Risk Management Excellence
One of the critical success factors for Aptus has been its superior risk management practices. The company's in-house developed underwriting model, designed for self-employed customers, has proven highly effective. Their deep understanding of local markets and customer segments has enabled them to maintain asset quality. The company's success in managing credit risk is evident from its consistently low gross NPA ratios. This is setting a benchmark in the industry.
Geographic Expansion
Starting from Tamil Nadu, Aptus has successfully expanded its presence across South India and into select markets in Western India. Their strategic approach to geographic expansion focuses on continuous territories and leveraging their understanding of similar customer segments. This has enabled them to replicate their success across different markets. The company has established a strong branch network while maintaining operational efficiency and service quality.
Technology Integration
The company's investment in technology and digital infrastructure has paid rich dividends. Their digital platforms have improved operational efficiency and enhanced customer experience. The successful integration of technology is in all aspects of operations, from loan origination to collection management. This has contributed significantly to their cost-effective operations and superior customer service.
Customer-Centric Approach
Aptus's success largely stems from its deep understanding of customer needs and its ability to design products. Their focus on providing affordable housing finance solutions to self-employed individuals has created a loyal customer base. The company's emphasis is on transparent practices and customer education. This has helped build trust and long-term relationships.
Strong Corporate Governance
The company's commitment to strong corporate governance practices has been instrumental in gaining stakeholder trust. Their transparent operations, professional management team, and strong board oversight have helped build credibility with investors, lenders, and regulators. This has been crucial in accessing capital markets and maintaining strong relationships with lending institutions.
Employee Development
Investment in human capital has been another critical success factor. The company has built a strong team of professionals with deep domain knowledge and local market understanding. Their focus on training and development has created a skilled workforce. Their workforce is capable of understanding and serving their unique customer segment effectively.
Aptus Value Housing Finance Ltd. is well-positioned to continue its growth trajectory. Their proven business model, vital financial metrics, and focus on the underserved market segment provide a solid foundation for sustained success. The company's ability to maintain high asset quality while growing its loan book demonstrates the sustainability of its business model. This positions it well for future growth in India's expanding housing finance market.
Aptus Value Housing Finance India Ltd has its headquarters in Chennai, Tamil Nadu. Its registered office is in No. 8B, Doshi Towers, 205, Poonamallee High Road, Kilpauk, Chennai-600010. The company was created by M Anandan, who currently serves as the Chairman and Managing Director. The company's promoter group includes M Anandan, his family members, and WestBridge Crossover Fund, LLC. It has the following key management members:
- P Balaji
- Krishnamurthy Vijayan
- V G Kannan
- Mona Kachhwaha
Aptus Value Housing provides loans for housing, home improvement, business and loans against property. The company is not the top player in the housing finance sector. But Aptus has carved out a strong niche in serving self-employed customers in tier 2-4 cities. It has demonstrated consistent growth and maintains a high-quality loan book with one of the lowest NPAs in the industry.
The promoter shareholding stands at 53.91%. This indicates strong promoter confidence in the business. The company operates several branches across various states in South and West India. It primarily focuses on Tamil Nadu, Andhra Pradesh, Karnataka, and Telangana. Their business model emphasizes strong underwriting practices. Additionally, they ensure maintaining high asset quality while serving the underserved segments of the housing finance market.
Success Of the Company
Aptus Value Housing Finance India Ltd. helps low and middle-income employees. Here is their success story:Market Performance and Growth
Aptus Value Housing Finance has demonstrated remarkable success since its startup in 2009. It is consistently delivering strong financial performance and sustainable growth. The company focuses on serving underserved self-employed customers in rural and semi-urban areas. This has proved to be a winning strategy. They have a deep understanding of customer needs and robust risk assessment. These capabilities have enabled them to maintain one of the industry's lowest NPA levels while expanding their business footprint.
Financial Achievement
The company has shown exceptional financial skills with consistent year-on-year growth in both assets under management (AUM) and profitability. Their success is reflected in their strong return on equity (ROE) metrics and efficient cost management. The company maintains a healthy capital adequacy ratio. Well above regulatory requirements, demonstrating its financial strength and stability. Their ability to raise capital at competitive rates and maintain strong relationships with lending institutions has contributed significantly to their cost-efficient operations.
Risk Management Excellence
One of the critical success factors for Aptus has been its superior risk management practices. The company's in-house developed underwriting model, designed for self-employed customers, has proven highly effective. Their deep understanding of local markets and customer segments has enabled them to maintain asset quality. The company's success in managing credit risk is evident from its consistently low gross NPA ratios. This is setting a benchmark in the industry.
Geographic Expansion
Starting from Tamil Nadu, Aptus has successfully expanded its presence across South India and into select markets in Western India. Their strategic approach to geographic expansion focuses on continuous territories and leveraging their understanding of similar customer segments. This has enabled them to replicate their success across different markets. The company has established a strong branch network while maintaining operational efficiency and service quality.
Technology Integration
The company's investment in technology and digital infrastructure has paid rich dividends. Their digital platforms have improved operational efficiency and enhanced customer experience. The successful integration of technology is in all aspects of operations, from loan origination to collection management. This has contributed significantly to their cost-effective operations and superior customer service.
Customer-Centric Approach
Aptus's success largely stems from its deep understanding of customer needs and its ability to design products. Their focus on providing affordable housing finance solutions to self-employed individuals has created a loyal customer base. The company's emphasis is on transparent practices and customer education. This has helped build trust and long-term relationships.
Strong Corporate Governance
The company's commitment to strong corporate governance practices has been instrumental in gaining stakeholder trust. Their transparent operations, professional management team, and strong board oversight have helped build credibility with investors, lenders, and regulators. This has been crucial in accessing capital markets and maintaining strong relationships with lending institutions.
Employee Development
Investment in human capital has been another critical success factor. The company has built a strong team of professionals with deep domain knowledge and local market understanding. Their focus on training and development has created a skilled workforce. Their workforce is capable of understanding and serving their unique customer segment effectively.
Aptus Value Housing Finance Ltd. is well-positioned to continue its growth trajectory. Their proven business model, vital financial metrics, and focus on the underserved market segment provide a solid foundation for sustained success. The company's ability to maintain high asset quality while growing its loan book demonstrates the sustainability of its business model. This positions it well for future growth in India's expanding housing finance market.
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FAQ’s
What is the share price of Aptus Value Housing Finance India Ltd today?
Aptus Value Housing Finance India Ltd share price as on 31 Jan 2025 is ₹
299.25
What is the Market Cap of Aptus Value Housing Finance India Ltd?
The market cap of Aptus Value Housing Finance India Ltd stock is ₹14,839.48 Cr.
What is the PE Ratio of Aptus Value Housing Finance India Ltd?
The Price to Earnings (P/E) Ratio of Aptus Value Housing Finance India Ltd is 32.07
What is the PB Ratio of Aptus Value Housing Finance India Ltd?
The Price to Book (P/B) Ratio of Aptus Value Housing Finance India Ltd is 4.53
What is the 52 week high of Aptus Value Housing Finance India Ltd Share Price?
The 52 week high of Aptus Value Housing Finance India Ltd share price stands at ₹401.65
What is the 52 week low of Aptus Value Housing Finance India Ltd Share Price?
The 52 week low of Aptus Value Housing Finance India Ltd share price stands at ₹267.95
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