Aptus Value Housing Finance India Ltd.
NSE: APTUS · Housing Finance Company
Snapshot
Unlock Aptus Value Housing Finance India Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Aptus Value Housing Finance India Limited is a housing finance company providing home loans and loans against property to self-employed individuals in semi-urban and rural markets. The company offers a range of financial products including home construction, purchase, renovation, and extension loans.
Business Model
The company generates revenue primarily through interest income earned on its loan portfolio, which is focused on the lower- and middle-income segments. It operates through a branch-based distribution model to reach customers in underserved semi-urban and rural regions.
- Branch Network:208 branches
- Operational States:5
Growth Outlook
Growth is driven by the increasing demand for affordable housing finance in semi-urban and rural India. The company continues to expand its branch network to penetrate deeper into these markets and capture a larger share of the self-employed customer segment.
Key Risks
- Credit Risk. The company is exposed to potential defaults from its target segment of self-employed, lower- and middle-income borrowers who may have volatile income streams.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its customer base.
- Geographic Concentration. Operating in a limited number of states makes the company vulnerable to regional economic downturns or localized natural disasters.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding affordable housing could adversely affect the company's business operations.
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Key Metrics
REVENUE
₹2,306 Cr
TTM · consolidated
NET PROFIT
₹985 Cr
TTM · consolidated
EPS
₹19.69
TTM · consolidated
RETURN ON EQUITY
21.0%
TTM · consolidated
P/E
13.1x
Q1 FY27 · consolidated
EV/EBITDA
13.6x
Q1 FY26 · standalone
EBITDA MARGIN
83.5%
TTM · consolidated
NET PROFIT MARGIN
43.5%
Q1 FY27 · consolidated
DEBT TO EQUITY
1.3%
Q1 FY26 · standalone
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Aptus Value Housing Finance India Ltd.APTUS | ₹12,962 Cr | 13.15 | — | 22.9% | 83.5% | 21.0% | — | -21.3% |
Sammaan Capital Ltd.SAMMAANCAP | ₹18,398 Cr | -1.77 | — | -17.1% | 46.1% | -35.5% | 19.9% | +15.7% |
Home First Finance Company India Ltd.HOMEFIRST | ₹12,649 Cr | 21.63 | — | 21.3% | 79.0% | 16.9% | — | -3.3% |
Can Fin Homes Ltd.CANFINHOME | ₹10,751 Cr | 9.52 | — | 8.2% | 92.1% | 20.5% | 26.9% | +6.7% |
Aavas Financiers Ltd.AAVAS | ₹10,341 Cr | 15.04 | — | 13.3% | 73.9% | 14.6% | — | -17.2% |
India Shelter Finance Corporation LimitedINDIASHLTR | ₹7,366 Cr | 13.89 | — | 25.7% | 72.3% | 17.9% | — | -25.7% |
As of Q1 FY27
Financials
Aptus Value Housing Finance India Ltd.
NSE: APTUS · Housing Finance Company
Snapshot
Unlock Aptus Value Housing Finance India Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Aptus Value Housing Finance India Limited is a housing finance company providing home loans and loans against property to self-employed individuals in semi-urban and rural markets. The company offers a range of financial products including home construction, purchase, renovation, and extension loans.
Business Model
The company generates revenue primarily through interest income earned on its loan portfolio, which is focused on the lower- and middle-income segments. It operates through a branch-based distribution model to reach customers in underserved semi-urban and rural regions.
- Branch Network:208 branches
- Operational States:5
Growth Outlook
Growth is driven by the increasing demand for affordable housing finance in semi-urban and rural India. The company continues to expand its branch network to penetrate deeper into these markets and capture a larger share of the self-employed customer segment.
Key Risks
- Credit Risk. The company is exposed to potential defaults from its target segment of self-employed, lower- and middle-income borrowers who may have volatile income streams.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its customer base.
- Geographic Concentration. Operating in a limited number of states makes the company vulnerable to regional economic downturns or localized natural disasters.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding affordable housing could adversely affect the company's business operations.
Start your research today
Unlock AI insights, financials, peers and live data on Aptus Value Housing Finance India Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹2,306 Cr
TTM · consolidated
NET PROFIT
₹985 Cr
TTM · consolidated
EPS
₹19.69
TTM · consolidated
RETURN ON EQUITY
21.0%
TTM · consolidated
P/E
13.1x
Q1 FY27 · consolidated
EV/EBITDA
13.6x
Q1 FY26 · standalone
EBITDA MARGIN
83.5%
TTM · consolidated
NET PROFIT MARGIN
43.5%
Q1 FY27 · consolidated
DEBT TO EQUITY
1.3%
Q1 FY26 · standalone
Peers · Housing Finance Company
As of Q1 FY27