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

₹ 322 0.83%
03 Dec - 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 ₹ 16,112 Cr.
  • Current Price ₹ 322
  • High / Low ₹ 402 / 286
  • Stock P/E 23.9
  • Book Value ₹ 80.3
  • Dividend Yield 1.40 %
  • 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 4.01 times its book value
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -8.60%

* 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

Part of BSE 400 MidSmallCap Index BSE 500 Nifty Total Market Nifty 500 Multicap 50:25:25 BSE 250 SmallCap Index

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
197 210 225 240 268 286 299 306 334 351 375 395 421
37 35 39 41 51 47 55 45 56 59 65 61 68
Operating Profit 160 175 187 200 217 239 243 260 277 293 309 334 353
OPM % 81% 83% 83% 83% 81% 83% 82% 85% 83% 83% 83% 85% 84%
6 6 9 8 9 9 12 10 11 13 17 10 14
Interest 55 49 49 54 67 77 78 85 96 98 109 120 128
Depreciation 2 1 2 2 2 2 2 2 3 2 2 3 3
Profit before tax 109 131 144 152 157 168 176 183 190 205 215 222 237
Tax % 22% 23% 24% 22% 21% 25% 23% 22% 22% 23% 24% 23% 23%
85 101 110 119 123 126 135 142 148 158 164 172 182
EPS in Rs 1.72 2.04 2.21 2.39 2.48 2.52 2.72 2.86 2.97 3.16 3.29 3.44 3.64
Raw PDF

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 TTM
126 201 325 500 640 815 1,093 1,365 1,542
32 47 67 86 101 144 196 225 253
Operating Profit 94 154 258 414 539 670 897 1,140 1,290
OPM % 74% 77% 79% 83% 84% 82% 82% 83% 84%
0 3 13 23 19 26 40 52 54
Interest 36 53 115 185 207 209 277 389 455
Depreciation 2 2 3 6 6 7 7 9 10
Profit before tax 56 101 153 247 345 480 654 793 879
Tax % 34% 34% 27% 15% 23% 23% 23% 23%
37 67 112 211 267 370 503 612 675
EPS in Rs 4.73 8.49 14.18 22.74 28.77 7.45 10.10 12.26 13.53
Dividend Payout % 0% 0% 0% 0% 0% 0% 20% 37%
Compounded Sales Growth
10 Years: %
5 Years: 33%
3 Years: 29%
TTM: 26%
Compounded Profit Growth
10 Years: %
5 Years: 41%
3 Years: 32%
TTM: 23%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 1%
1 Year: 7%
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 Sep 2024
Equity Capital 79 79 79 95 95 99 100 100 100
Reserves 442 506 620 1,614 1,885 2,817 3,240 3,668 3,914
306 840 1,603 2,022 2,515 2,728 3,796 5,200 6,196
18 40 61 16 26 39 41 37 54
Total Liabilities 845 1,465 2,362 3,747 4,520 5,684 7,176 9,005 10,264
5 4 4 10 10 12 15 22 28
CWIP 0 0 0 0 0 0 0 0 0
Investments 1 45 0 0 53 102 51 51 65
840 1,416 2,358 3,737 4,458 5,570 7,110 8,931 10,172
Total Assets 845 1,465 2,362 3,747 4,520 5,684 7,176 9,005 10,264

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 -3
ROCE % 14% 14% 14% 13% 14% 15% 15%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
62.35% 62.35% 62.35% 62.21% 62.21% 62.21% 62.21% 62.13% 62.10% 61.10% 54.09% 53.91%
11.02% 11.40% 11.50% 12.42% 14.05% 14.06% 14.15% 14.83% 15.42% 19.58% 22.81% 22.46%
20.15% 20.38% 20.46% 2.63% 2.57% 2.59% 2.96% 2.78% 5.21% 5.11% 9.14% 9.48%
6.49% 5.88% 5.69% 22.74% 21.18% 21.15% 20.68% 20.27% 17.28% 14.22% 13.96% 14.16%
No. of Shareholders 1,88,1101,40,8141,38,4341,35,1341,31,7321,31,3651,38,4921,36,9881,42,1171,29,4151,30,2891,53,109

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

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