Skip to content
thestock.space

Aptus Value Housing Finance India (APTUS) had a P/E of 8.5× on 6 Nov 2026, and the shares are 43% below their 52-week high. Net profit grew 23% a year over 3 years; its ROE of 20% is the highest among the 7 largest Mortgage Finance peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 1.60× book value and its dividend yield is 2.6%. It is a small-cap company with a market cap of ₹8,759 Cr, ranked 9th of 21 Mortgage Finance companies by market cap; the shares fell 39% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹179.93
Day high
₹183.28
Day low
₹172.00
Prev. close
₹179.93
Volume
2.4 Cr

Health check

2 good · 1 fair · 3 to check
  • ReturnsBehind

    −38.9% over a year, better than 0 of 7 peers.

  • Price tagIn line

    P/B 1.60 vs peer median 1.55.

  • GrowthSlow

    Profit +23.3% a year over 3 years.

  • ProfitabilityStrong

    ROE 20.3% vs peer median 14.3%.

  • Balance sheetSolid

    Return on assets 7.89%. Bad-loan data isn’t covered.

  • Red flags1 to check

    43% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Mortgage Finance

20 listed peers. Screen the industry

Small cap

₹8,759 Cr, #9 of 21 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Sep 2026: sales ₹1,680 Cr · profit ₹1,025 Cr
Market cap
₹8,759 Cr
Small cap
P/E
8.5
Industry 12.2
Price to book
1.60
Peers 1.55
Dividend yield
2.57%
ROE
20.3%
Peers 14.3%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹20.48
Face value ₹2
OPM (TTM)
73.5%
Net margin 61.1%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+18.4%
Latest quarter vs a year ago
Price to sales
5.21

Strengths and risks

Strengths

  • Return on equity of 20.3%.
  • Dividend yield of 2.57%.

Risks to check

  • 43% below its 52-week high.

Derived automatically from reported figures. Not a recommendation.

About Aptus Value Housing Finance India

Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions against immovable properties 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 serves shopkeepers, vendors mechanics, and…

Headquarters
Chennai
Employees
3,807
Sector
Financial Services
ISIN
INE852O01025
Website
aptusindia.com

Price range

52 weeks

₹172.00₹309.00

Today

₹172.00₹183.28
Avg volume (3M)
22.6 L
1-year return
minus 38.9%
From 52-week high
minus 43.4%

Analyst consensus

18 analysts
BuyMean target ₹315.89 plus 80.6%

Target range, with today’s price

Low ₹215.00High ₹458.00

Today’s price ₹174.88 is below the lowest analyst target.

Consensus from Yahoo Finance. Not a recommendation.

Peers · Mortgage Finance

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJAJHFLBajaj Housing Finance80.00minus 3.80%66,63223.72.7712.4%2.2%26.7%0.00%minus 24.1%
LICHSGFINLIC Housing Finance536.00plus 1.32%29,4835.00.6714.3%1.8%24.7%1.87%minus 7.8%
PNBHOUSINGPNB Housing Finance1,100.20plus 0.02%28,69412.21.4212.3%2.5%29.9%0.73%plus 18.1%
AADHARHFCAadhar Housing Finance429.65minus 1.96%18,83616.12.4815.8%–26.2%0.00%minus 13.9%
SAMMAANCAPSammaan Capital132.27minus 1.12%16,343–0.57−35.0%––0.00%minus 28.2%
HOMEFIRSTHome First Finance Company India1,090.90minus 1.13%11,40818.52.4414.3%4.0%33.3%0.48%minus 7.7%
CANFINHOMECan Fin Homes748.95plus 0.72%9,9738.61.5519.4%2.6%20.5%2.14%minus 13.7%
APTUSAptus Value Housing Finance India174.88minus 2.81%8,7598.51.6020.3%7.9%23.3%2.57%minus 38.9%
Median of 7 peers–−1.12%18,83614.21.5514.3%2.5%26.5%0.48%−13.7%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
370406433441463
160162161170171
3.13.43.63.53.9
286304328329340
23.2%22.3%20.3%20.7%21.4%
219236261261267
4.384.725.215.215.34

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+23.3%
EPS CAGR 3Y
+23.2%
ROE
20.3%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
8581,0211,2581,597
–+19.1%+23.2%+27.0%
276388541648
7.29.312.113.3
6547939751,211
23.1%22.9%22.9%22.1%
503612751943
–+21.6%+22.8%+25.5%
10.0812.2115.0118.84

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
99.699.8100100
3,2403,6684,2174,960
3,7965,2006,8737,904
41.137.153.783.9
7,1769,00511,24313,048
14.920.733.838.5
0.50.10.10.4
51.551.552.9240
458349410569
6,6528,58410,74712,200
7,1769,00511,24313,048

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−1,047−1,356−1,405−489
11120.7−90−72
9781,2241,461822
41.6−111−33.5261
−3.3−4.9−6.9−6.4
−1,050−1,361−1,412−496
−99.6−199−225−225

Shareholding pattern

Source: NSE filings
23.9%
promoters
  • Promoters23.86%
  • Public76.14%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202623.86%76.14%0.00
30 Jun 202623.86%76.14%minus 0.01
31 Mar 202623.87%76.13%0.00
31 Dec 202523.87%76.13%0.00
30 Sep 202523.87%76.13%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you