Aptus Value Housing Finance India Ltd

Aptus Value Hou. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Aptus Value Housing Finance India Ltd

₹ 316 1.20%
18 May - close price
aptusindia.com BSE: 543335 NSE: APTUS
About

Aptus Value Housing Finance India Ltd is a Home Loan Company. Aptus has been formed to primarily address the housing finance needs of self-employed, low and middle income families primarily from semi-urban and rural areas. Company targets first-time home buyers where collateral is self- occupied residential property.

Key Points

Products

Housing Loan - Loan for constructing an independent house or an apartment on the customer’s owned land or purchasing new or second-hand houses and for house renovations.
Business Loans - Business loans to individuals who require financial support for their business by providing self-occupied property as collateral with a maximum limit of 60% of the property value.
Quasi Home Loans - For refinancing customers’ investments in construction or for the purchase of a house up to Rs. 25 lakhs.
Insurance Support - The company has collaborated with insurance companies to offer Credit Shield Insurance and Property Insurance. [1]

Website BSE NSE
  • Market Cap ₹ 15,766 Cr.
  • Current Price ₹ 316
  • High / Low ₹ 392 / 240
  • Stock P/E 25.8
  • Book Value ₹ 75.5
  • Dividend Yield 1.42 %
  • ROCE 14.7 %
  • ROE 17.2 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 40.5% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 18.8%

Cons

  • Stock is trading at 4.18 times its book value
  • Promoter holding has decreased over last quarter: -1.00%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
176 182 197 210 225 240 268 286 299 306 334 351 375
30 34 37 35 39 41 51 47 55 45 56 59 65
Operating Profit 145 148 160 175 187 200 217 239 243 261 277 293 309
OPM % 83% 81% 81% 83% 83% 83% 81% 83% 82% 85% 83% 83% 83%
6 4 6 6 9 8 9 9 12 9 11 13 17
Interest 52 56 55 49 49 54 67 77 78 85 96 98 109
Depreciation 1 1 2 1 2 2 2 2 2 2 3 2 2
Profit before tax 98 95 109 131 144 152 157 168 176 183 190 205 215
Tax % 23% 23% 22% 23% 24% 22% 21% 25% 23% 22% 22% 23% 24%
76 74 85 101 110 119 123 126 135 142 148 158 164
EPS in Rs 8.14 1.53 1.72 2.04 2.21 2.39 2.48 2.52 2.72 2.86 2.97 3.16 3.29
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
126 201 325 500 640 815 1,093 1,365
32 47 67 86 101 144 191 227
Operating Profit 94 154 258 414 539 670 902 1,139
OPM % 74% 77% 79% 83% 84% 82% 82% 83%
0 3 13 23 19 26 36 52
Interest 36 53 115 185 207 209 277 388
Depreciation 2 2 3 6 6 7 7 9
Profit before tax 56 101 153 247 345 480 654 793
Tax % 34% 34% 27% 15% 23% 23% 23% 23%
37 67 112 211 267 370 503 612
EPS in Rs 4.73 8.49 14.18 22.74 28.77 7.45 10.10 12.26
Dividend Payout % -0% -0% -0% -0% -0% -0% 20% 37%
Compounded Sales Growth
10 Years: %
5 Years: 33%
3 Years: 29%
TTM: 25%
Compounded Profit Growth
10 Years: %
5 Years: 41%
3 Years: 32%
TTM: 22%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 20%
Return on Equity
10 Years: %
5 Years: 16%
3 Years: 16%
Last Year: 17%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 79 79 79 95 95 99 100 100
Reserves 442 506 620 1,614 1,885 2,817 3,240 3,668
306 840 1,603 2,022 2,515 2,728 3,796 5,200
18 40 61 16 26 39 41 37
Total Liabilities 845 1,465 2,362 3,747 4,520 5,684 7,176 9,004
5 4 4 10 10 12 15 22
CWIP -0 -0 -0 -0 -0 -0 -0 -0
Investments 1 45 -0 -0 53 102 51 51
840 1,416 2,358 3,737 4,458 5,570 7,110 8,931
Total Assets 845 1,465 2,362 3,747 4,520 5,684 7,176 9,004

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-303 -495 -714 -735 -621 -724 -1,047 -1,356
2 8 0 -97 65 -62 111 21
300 534 764 1,209 495 768 978 1,224
Net Cash Flow -1 47 51 377 -61 -18 42 -111

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days -0 -0 -0 -0 -0 -0 -0 -0
Inventory Days
Days Payable
Cash Conversion Cycle -0 -0 -0 -0 -0 -0 -0 -0
Working Capital Days -5 -56 -8 -9 -7 -7 -1 -2
ROCE % 14% 14% 14% 13% 14% 15%

Shareholding Pattern

Numbers in percentages

3 Recently
Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
62.51% 62.35% 62.35% 62.35% 62.21% 62.21% 62.21% 62.21% 62.13% 62.10% 61.10%
10.28% 11.02% 11.40% 11.50% 12.42% 14.05% 14.06% 14.15% 14.83% 15.42% 19.58%
20.19% 20.15% 20.38% 20.46% 2.63% 2.57% 2.59% 2.96% 2.78% 5.21% 5.11%
7.02% 6.49% 5.88% 5.69% 22.74% 21.18% 21.15% 20.68% 20.27% 17.28% 14.22%
No. of Shareholders 2,48,9281,88,1101,40,8141,38,4341,35,1341,31,7321,31,3651,38,4921,36,9881,42,1171,29,415

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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DRHP

Credit ratings

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