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Aptus Value Housing Finance India Limited (APTUS.NS)
Chennai, IN
Aptus Value Housing Finance India Limited is an Indian financial institution specializing in housing finance. It provides a range of loan products for customers looking to construct, purchase, renovate, or extend their homes. The company also offers credit facilities secured by property, along with credit shield and property insurance options. Aptus primarily serves self-employed individuals within lower and middle-income brackets residing in semi-urban and rural areas of India. As of March 31, 2022, its operations spanned 208 branches across five states. Established in 2009, the company's headquarters are located in Chennai, India.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -4.04% | +1.25% | +23.37% | +9.26% | -2.67% | -1.33% | -14.54% | +6.91% | -20.61% | -20.61% | -20.61% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | 0 |
| Buy | 12 | 0 |
| Hold | 1 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Mortgages: +18.2%+24.9% ★ Q1'26: +20.2% (vs Q1'25)
-
EPS growth Financial - Mortgages: +18.3%+25.5% ★ Q1'26: +25.8% (vs Q1'25)
-
FCF margin FCF growth · Financial - Mortgages: +84.8%+43.8% Q1'26: -22.1% (vs Q1'25)
-
EBIT margin Financial - Mortgages: +34.8%+53.9% ★ Q1'26: +55.2% (vs Q1'25)
-
ROIC Financial - Mortgages: +4.9%+7.6% ★ Q1'26: +8.4% (vs Q1'25)
-
Share dilution Financial - Mortgages: 0.0%+0.0% ★ Q1'26: +0.2% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×6.46× ★ Q1'26: 5.97× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 15 Rev. Ana. 15 EPS Ana. |
Mar 2027 13 Rev. Ana. 14 EPS Ana. |
Mar 2028 15 Rev. Ana. 14 EPS Ana. |
Mar 2029 6 Rev. Ana. 3 EPS Ana. |
Mar 2030 3 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|
| Revenue |
8.40B
est: 6.26B (+34.2%)
|
11.34B
est: 8.52B (+33.1%)
|
14.09B
est: 10.46B (+34.8%)
|
17.98B
est: 12.65B (+42.2%)
|
15.91B
15.56B – 16.18B
+25.8% YoY
|
18.82B
15.65B – 19.47B
+18.3% YoY
|
22.52B
18.61B – 23.70B
+19.7% YoY
|
26.32B
26.25B – 26.39B
+16.9% YoY
|
31.97B
26.49B – 33.38B
+21.4% YoY
|
| EBITDA |
4.87B
est: 3.52B (+38.1%)
|
6.61B
est: 4.79B (+37.9%)
|
8.02B
est: 5.91B (+35.8%)
|
9.87B
est: 7.15B (+38.1%)
|
8.99B
8.79B – 9.14B
+25.8% YoY
|
10.64B
8.85B – 11.00B
+18.3% YoY
|
12.73B
10.52B – 13.39B
+19.7% YoY
|
14.88B
14.84B – 14.92B
+16.9% YoY
|
18.07B
14.97B – 18.86B
+21.4% YoY
|
| EBIT |
4.80B
est: 3.48B (+38.0%)
|
6.54B
est: 4.73B (+38.1%)
|
7.93B
est: 5.84B (+35.8%)
|
9.75B
est: 7.06B (+38.0%)
|
8.89B
8.69B – 9.03B
+25.8% YoY
|
10.51B
8.74B – 10.87B
+18.3% YoY
|
12.58B
10.39B – 13.24B
+19.7% YoY
|
14.70B
14.66B – 14.74B
+16.9% YoY
|
17.85B
14.79B – 18.64B
+21.4% YoY
|
| Net Income |
3.70B
est: 3.68B (+0.7%)
|
5.03B
est: 5.04B (-0.2%)
|
6.12B
est: 6.41B (-4.6%)
|
7.51B
est: 6.86B (+9.5%)
|
9.43B
9.01B – 9.52B
+37.4% YoY
|
10.97B
10.36B – 11.32B
+16.3% YoY
|
12.95B
12.27B – 13.68B
+18.1% YoY
|
15.39B
14.84B – 15.60B
+18.8% YoY
|
18.74B
14.57B – 19.82B
+21.8% YoY
|
| SGA |
846.69M
est: 23.45M (+3,509.9%)
|
1.22B
est: 31.90M (+3,718.8%)
|
1.49B
est: 863.60M (+73.1%)
|
1.77B
est: 1.04B (+69.8%)
|
1.31B
1.29B – 1.34B
+25.8% YoY
|
1.55B
1.29B – 1.61B
+18.3% YoY
|
1.86B
1.54B – 1.96B
+19.7% YoY
|
2.17B
2.17B – 2.18B
+16.9% YoY
|
2.64B
2.19B – 2.76B
+21.4% YoY
|
| EPS |
7.58
est: 7.34 (+3.2%)
|
10.11
est: 10.07 (+0.4%)
|
12.27
est: 12.85 (-4.5%)
|
15.04
est: 14.95 (+0.6%)
|
18.66
18.01 – 19.01
+24.9% YoY
|
21.84
20.71 – 22.63
+17.0% YoY
|
25.93
24.51 – 27.34
+18.8% YoY
|
30.65
29.64 – 31.16
+18.2% YoY
|
37.45
29.11 – 39.60
+22.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-16 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-15 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Munuswamy Anandan | Executive Chairman | 167M | male |
| Parthasarathy Balaji | MD & Director | 37M | male |
| John Vijayan Rayappa | Chief Risk Officer | 6M | male |
| Sanjay Mittal | Chief Financial Officer | 5M | male |
| Sanin Panicker | Company Secretary & Compliance Officer | 2M | male |
| V. Krishnaswami | Chief Technology Officer | — | male |
| Gandeeban D. | Chief Information Security Officer | — | male |
| Naveen Kumar R. | Vice President of Operations & Compliance | — | male |
| Sundara Kumar | Senior Vice President of Legal & Receivable | — | male |
| Anitha V. | Chief Compliance Officer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for APTUS.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
