Aptus Value Housing Finance India Limited

BSE: APTUS543335ISIN INE852O01025

Financial Services
Housing Finance Company
BSE 500

Share price

₹206.35+4.65 (+2.31%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹308.85
52W low: ₹190.35
Off 52W high: -33.19%
1M return: -7.74%
3M return: -21.98%
6M return: -22.70%
1Y return: -30.02%
20D avg volume: 1,53,439
50 DMA: ₹231.16
200 DMA: ₹250.39

Key ratios Consolidated

Market cap: ₹10,335 Cr
Current price: ₹206.35
52W high / low: ₹308.85 / ₹190.35
Face value: ₹2.00
P/E: 10.50
P/B: 1.89
EPS (TTM): ₹19.66
Book value / share: ₹109.17
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 1.29
Net debt: ₹5,976 Cr
Interest cover: 2.87
Dividend yield: 2.18%
Dividend / share (TTM): ₹4.50
Payout: 22.89%
Cash conversion cycle: —

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	623.58	600.29	593.12	568.53	544.04	520.26	484.04	450.05	421.39	394.94	374.55	351.42
	11.09	10.37	18.78	14.94	9.65	9.88	15.20	14.64	14.15	9.69	16.61	11.23
	634.67	610.65	593.12	568.53	553.69	530.14	499.24	464.68	435.55	404.63	391.15	362.65
	294.37	281.56	265.56	264.75	259.42	244.60	228.28	219.15	198.82	183.01	176.13	157.50
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	70.86	64.01	62.10	64.88	53.06	50.44	46.70	43.46	43.53	43.37	43.30	38.24
	171.45	169.68	160.51	162.49	165.01	160.43	149.78	142.91	127.94	119.87	108.52	98.45
	3.92	3.49	3.57	3.38	3.20	3.13	3.34	3.28	2.84	2.60	2.33	2.40
	24.27	22.90	23.45	17.09	20.06	20.01	20.52	16.58	14.99	13.52	12.57	10.42
	340.29	329.09	327.56	303.78	294.26	285.55	270.96	245.53	236.73	221.62	215.03	205.14
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	340.29	329.09	327.56	303.78	294.26	285.55	270.96	245.53	236.73	221.62	215.03	205.14
	72.91	68.15	66.61	67.60	67.71	66.30	63.94	—	—	—	—	—
	267.38	260.94	260.95	236.19	226.55	219.25	207.03	190.50	181.97	171.75	164.03	157.59
	5.34	5.21	5.22	4.72	4.54	4.39	4.15	3.82	3.65	3.44	3.29	3.16
Key metrics
	—	—	—	—	—	—	—	391.72	367.51	344.09	325.88	305.99
	—	—	—	—	—	—	—	87.00%	87.20%	87.10%	87.00%	87.10%
	42.90%	43.50%	44.00%	41.50%	41.60%	42.10%	42.80%	42.30%	43.20%	43.50%	43.80%	44.80%
	14.60%	15.40%	22.50%	26.30%	29.10%	31.70%	29.20%	28.10%	—	—	—	—
	18.00%	19.00%	26.00%	24.00%	24.50%	27.70%	26.20%	20.90%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	2,386	2,245	1,750	1,365	1,093	814.68
	55.18	53.24	47.99	51.67	35.64	25.53
	2,407	2,245	1,798	1,417	1,129	840.22
	1,106	1,034	823.56	623.69	475.28	360.20
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	261.85	230.48	177.06	148.91	121.31	84.36
	664.13	648.45	540.51	387.86	275.91	208.59
	14.36	13.28	12.06	9.31	7.21	6.61
	87.71	80.61	65.61	48.43	36.72	26.18
	1,301	1,211	974.84	793.16	653.72	480.02
	0.00	0.00	0.00	0.00	0.00	0.00
	1,301	1,211	974.84	793.16	653.72	480.02
	275.27	268.21	223.59	—	—	—
	1,025	942.94	751.25	611.90	503.01	370.14
	20.49	18.84	15.04	12.27	10.11	7.58
Key metrics
	—	—	—	1,190	936.84	695.22
	—	—	—	87.20%	85.70%	85.30%
	42.99%	42.00%	42.90%	44.80%	46.00%	45.40%
	19.37%	28.30%	28.20%	24.90%	34.20%	—
	21.60%	25.50%	22.80%	21.60%	35.90%	—
	—	-598.79	-1,412	—	—	—
	—	-0.63	-1.87	—	—	—
	—	1.29	1.29	—	—	—
	—	5,976	5,149	—	—	—
Balance sheet
	—	13,048	11,243	—	—	—
	—	563.32	405.73	—	—	—
	—	0.00	0.00	—	—	—
	—	0.00	0.00	—	—	—
	—	8.07	7.53	—	—	—
	—	6,539	5,555	—	—	—
	—	5,060	4,317	—	—	—
Cash flow
	—	-592.41	-1,405	—	—	—
	—	-71.99	13.12	—	—	—
	—	821.99	1,461	—	—	—
	—	6.38	6.91	—	—	—

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	424.08	417.84	377.85	370.28	380.98	355.67	354.36	329.07	313.63	298.97	288.33	276.40
	11.37	10.30	18.98	15.15	35.09	10.15	15.49	8.79	9.32	7.46	11.83	8.24
	435.45	428.14	396.83	385.43	416.07	365.82	369.86	337.86	322.95	306.43	300.15	284.64
	181.58	185.19	183.66	184.29	164.20	167.40	150.27	157.89	147.30	144.43	140.80	129.23
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	49.16	52.61	44.97	49.63	30.62	33.28	28.81	28.75	32.05	39.12	37.79	32.98
	113.21	113.10	106.05	109.52	115.02	113.14	109.64	108.25	96.53	91.07	84.69	80.70
	3.58	3.26	3.40	3.19	3.07	3.09	3.34	3.28	2.84	2.60	2.33	2.40
	9.17	10.65	9.04	8.19	10.87	8.83	6.56	8.26	9.17	9.26	8.26	—
	253.88	242.95	213.18	201.14	251.87	198.43	219.59	179.96	175.65	162.00	159.36	155.41
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	253.88	242.95	213.18	201.14	251.87	198.43	219.59	179.96	175.65	162.00	159.36	155.41
	53.16	50.23	36.71	41.33	50.01	43.70	49.95	—	—	—	—	—
	200.72	192.72	176.47	159.82	201.86	154.73	169.63	141.75	136.79	127.27	122.24	120.79
	4.01	3.85	3.53	3.19	4.04	3.10	3.40	2.84	2.74	2.55	2.45	2.42
Key metrics
	—	—	—	—	—	—	—	291.49	275.02	255.67	246.38	238.51
	—	—	—	—	—	—	—	88.60%	87.70%	85.50%	85.50%	86.30%
	47.30%	46.10%	46.70%	43.20%	53.00%	43.50%	47.90%	43.10%	43.60%	42.60%	42.40%	43.70%
	11.30%	17.50%	6.60%	12.50%	21.50%	19.00%	22.90%	19.10%	—	—	—	—
	-0.60%	24.60%	4.00%	12.70%	47.60%	21.60%	38.80%	17.40%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	1,590	1,485	1,294	1,088	928.75	678.97
	55.80	79.38	36.92	34.81	30.79	23.91
	1,646	1,564	1,331	1,123	959.54	702.88
	734.72	699.54	593.75	505.92	412.50	306.50
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	196.37	158.50	128.73	121.23	108.22	74.06
	441.88	443.72	405.49	323.05	242.28	179.20
	13.43	12.76	12.06	9.31	7.21	6.61
	37.05	36.93	33.25	30.07	26.61	17.30
	911.15	864.61	737.20	616.73	547.03	396.38
	0.00	0.00	0.00	0.00	0.00	0.00
	911.15	864.61	737.20	616.73	547.03	396.38
	181.43	171.74	161.76	—	—	—
	729.73	692.87	575.44	480.62	424.59	308.23
	14.58	13.86	11.52	9.64	8.53	6.28
Key metrics
	—	—	—	949.09	796.52	582.19
	—	—	—	87.20%	85.80%	85.70%
	45.89%	46.70%	44.50%	44.20%	45.70%	45.40%
	11.97%	14.70%	19.00%	17.10%	36.80%	—
	9.25%	20.40%	19.70%	13.20%	37.80%	—
	—	18.17	-649.08	—	—	—
	—	0.03	-1.12	—	—	—
	—	0.93	0.99	—	—	—
	—	3,662	3,565	—	—	—
Balance sheet
	—	9,553	8,684	—	—	—
	—	318.24	163.42	—	—	—
	—	—	0.00	—	—	—
	—	0.00	0.00	—	—	—
	—	7.52	7.53	—	—	—
	—	3,980	3,728	—	—	—
	—	4,274	3,781	—	—	—
Cash flow
	—	23.45	-642.17	—	—	—
	—	-17.64	-95.11	—	—	—
	—	149.01	642.12	—	—	—
	—	5.28	6.91	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: +16.93%
Sales CAGR 5Y: —
Profit CAGR 3Y: +17.73%
Profit CAGR 5Y: —
Sales YoY (TTM): +11.97%
Profit YoY (TTM): +9.25%

Consolidated

Sales CAGR 3Y: +27.11%
Sales CAGR 5Y: —
Profit CAGR 3Y: +23.30%
Profit CAGR 5Y: —
Sales YoY (TTM): +19.37%
Profit YoY (TTM): +21.60%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 23.85%

Quarter	September 2026	June 2026
Promoter %	23.85%	23.85%

Holder	Type	Holding	Previous	Change
MUNUSWAMY ANANDAN	Promoter	19.20%	19.20%	0.00%
SBI CONSERVATIVE HYBRID FUND	Public	8.12%	9.39%	-1.27%
MALABAR INDIA FUND LIMITED	Public	4.43%	4.36%	+0.07%
KOTAK SMALL CAP FUND	Public	3.57%	4.83%	-1.26%
SMALLCAP WORLD FUND, INC	Public	3.38%	2.74%	+0.64%
GOVERNMENT PENSION FUND GLOBAL	Public	3.12%	3.18%	-0.06%
ADITYA BIRLA SUN LIFE MUTUAL FUND	Public	2.79%	—	—
PADMA ANANDAN	Promoter	2.69%	2.69%	0.00%
BANDHAN VALUE FUND	Public	2.45%	—	—
THELEME INDIA MASTER FUND LIMITED	Public	1.98%	—	—
AKASH BHANSHALI	Public	1.52%	1.52%	0.00%
NIPPON LIFE INDIA TRUSTEE LTD	Public	1.25%	—	—
A R CHADHA AND CO INDIA PRIVATE LIMITED	Public	1.21%	1.21%	0.00%
BORDER TO COAST EMERGING MARKETS EQUITY FUND	Public	1.21%	—	—
TATA AIG GENERAL INSURANCE COMPANY LIMITED	Public	1.18%	1.18%	0.00%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Housing Finance Limited S	67,800	81.37	24.16	—	+17.18% TTM	+18.86% TTM	-25.76%
Lic Housing Finance Ltd.	28,603	520.00	4.85	—	-0.37% TTM	+6.78% TTM	-9.38%
PNB Housing Finance Limited	28,193	1,081.00	12.00	—	+10.03% TTM	+9.37% TTM	+16.06%
Aadhar Housing Finance Limited	18,882	430.70	16.55	—	+17.72% TTM	+20.23% TTM	-15.47%
Sammaan Capital Limited	14,641	126.05	-2.03	—	-17.09% TTM	-301.99% TTM	-32.27%
Home First Finance Company India Limited S	11,304	1,081.00	18.24	—	+19.25% TTM	+36.85% TTM	-9.60%
Aptus Value Housing Finance India Limited	10,335	206.35	10.50	—	+19.37% TTM	+21.60% TTM	-30.02%
Can Fin Homes Ltd. S	9,651	724.80	8.37	—	+7.87% TTM	+25.13% TTM	-15.86%
AAVAS Financiers Limited	8,924	1,125.40	18.19	—	+25.43% TTM	+14.21% TTM	-31.41%
India Shelter Finance Corporation Limited	7,018	642.50	13.94	—	+31.12% TTM	+33.15% TTM	-27.57%
Repco Home Finance Limited	2,053	328.10	4.26	—	+6.22% TTM	+3.84% TTM	-27.01%
GIC Housing Finance Ltd.	676	125.60	4.29	—	+1.24% TTM	+22.22% TTM	-27.25%
SRG Housing Finance Limited S	159	100.95	4.64	—	+31.34% TTM	+35.05% TTM	-65.50%
Reliance Home Finance Limited S	67	1.38	2.89	-84.90%	-64.52% TTM	+778.93% TTM	-59.05%
Ind Bank Housing Ltd S	49	48.55	12.40	—	+1,267.86% TTM	+1,729.17% TTM	+27.60%
India Home Loan Limited S	42	29.49	282.66	—	-11.09% TTM	-12.50% TTM	-19.09%
STAR HOUSING FINANCE LIMITED S	32	4.06	4.82	—	+23.80% TTM	-38.86% TTM	-75.36%
Sahara HousingFina Corporation Ltd. S	26	36.61	86.20	—	-12.62% TTM	-51.61% TTM	-31.35%
Manraj Housing Finance Ltd. S	17	34.00	-94.44	-2.50%	—	+63.04% TTM	—
Hindustan Housing Co. Ltd. S	0	—	0.04	4.40%	+12.13% TTM	-7.76% TTM	—

Filings & corporate actions

Recent announcements

Asset Cover details for the Quarter ended 30th September 20264 Nov 2026 · Others / Reg. 54 - Asset Cover details
The Board of Directors of the Company has approved interim dividend of Rs.2 per equity shares and fixed a record date for the purpose of payment of dividend as 13th November 20264 Nov 2026 · Corp. Action / Dividend
Investor Presentation for the Quarter ended 30th September 20264 Nov 2026 · Company Update / Investor Presentation
Investor Press release for the Quarter ended 30th September 20264 Nov 2026 · Company Update / Press Release / Media Release
Unaudited Financial results for the Quarter ended 30th September 20264 Nov 2026 · Result / Financial Results
Outcome of the Board Meeting held on 04th November 20264 Nov 2026 · Board Meeting / Outcome of Board Meeting
Intimation of Re-schedule of Earnings Conference call27 Oct 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Earnings Conference Call.14 Oct 2026 · Company Update / Analyst / Investor Meet
Aptus Value Housing Finance India Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 04/11/2026 ,inter alia, to consider and approve To consider ....13 Oct 2026 · Board Meeting / Board Meeting
Certificate under Reg.74(5) of SEBI (DP) Regulations for the Quarter ended on 30th September 20265 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Closure of Trading Window for the Quarter ended 30th September 202625 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Intimation of Investor/Analyst Meet5 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Investor Meet3 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Analyst/Investor Meet31 Aug 2026 · Company Update / Analyst / Investor Meet
Allotment of 12,500 Equity shares of Rs.2/- each under Aptus Employee stock option Scheme 202131 Aug 2026 · Company Update / Allotment of ESOP / ESPS
Intimation of Investor/Analyst Meet21 Aug 2026 · Company Update / Analyst / Investor Meet
Earnings call Transcript for the First Quarter ended on 30th June 20267 Aug 2026 · Company Update / Earnings Call Transcript
Submission of voting results of 17th AGM along with scrutinizer report6 Aug 2026 · AGM/EGM / AGM
Proceedings of the 17th Annual General Meeting of the Company held on 04th August 20264 Aug 2026 · AGM/EGM / AGM
Clarifications regarding certain comments made during the Earnings Call held on August 01, 20263 Aug 2026 · Company Update / General
Copy of Newspaper Publication of Unaudited financial results for the quarter ended 30th June 20261 Aug 2026 · Company Update / Newspaper Publication
Audio Recording of the earnings call for the First quarter ended on 30th June 20261 Aug 2026 · Company Update / Analyst / Investor Meet
Allotment of 25,000 Equity shares of Rs.2/- each under Aptus Employee stock option scheme 202131 Jul 2026 · Company Update / Allotment of ESOP / ESPS
Asset Cover details for the quarter ended on 30th June 202631 Jul 2026 · Others / Reg. 54 - Asset Cover details
Investor presentation for the Quarter ended on 30th June 202631 Jul 2026 · Company Update / Investor Presentation
Investor Press release for the Quarter ended on 31st June 202631 Jul 2026 · Company Update / Press Release / Media Release
Outcome of the Board Meeting held on 31st July 202631 Jul 2026 · Result / Financial Results
Outcome of the Board Meeting held on 31st July 202631 Jul 2026 · Board Meeting / Outcome of Board Meeting
Newspaper Publication regarding electronic dispatch of Notice of 17th Annual general Meeting and Annual report for FY 2025-26 and e-voting information15 Jul 2026 · Company Update / Newspaper Publication
Business Responsibility and sustainability Report for the Financial year 2025-202613 Jul 2026 · Others / Business Responsibility and Sustainability Reporting (BRSR)
Annual Report for the Financial Year 2025-202613 Jul 2026 · Others / Reg. 34 (1) Annual Report
We wish to inform you that the 17th Annual general Meeting of the Company will be Held on Tuesday, 04th August 2026 at 11:00 A.M Through Video Conferencing13 Jul 2026 · AGM/EGM / AGM
Certificate under Reg 74(5) of SEBI (DP) regulations for the quarter ended 30th July, 202610 Jul 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Intimation of Schedule of Earnings Conference Call.8 Jul 2026 · Company Update / Analyst / Investor Meet
Aptus Value Housing Finance India Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 31/07/2026 ,inter alia, to consider and approve the Unaudited ....7 Jul 2026 · Board Meeting / Board Meeting
Allotment of 50,000 equity shares of Rs.2/- each under Aptus Employee Stock Option Scheme 202126 Jun 2026 · Company Update / Allotment of ESOP / ESPS
Closure of Trading Window for the quarter ended 30th June 202626 Jun 2026 · Insider Trading / SAST / Closure of Trading Window
Intimation of Investor/Analyst Meet19 Jun 2026 · Company Update / Analyst / Investor Meet
Intimation of investor/Analyst Meet3 Jun 2026 · Company Update / Analyst / Investor Meet
Intimation of Investor/Analyst Meet1 Jun 2026 · Company Update / Analyst / Investor Meet

Corporate actions

Purpose	Ex date	Record date	Payment date
Interim Dividend	13 Nov 2026	13 Nov 2026	—
Interim Dividend - Rs. - 2.5000	15 May 2026	15 May 2026	—
Interim Dividend - Rs. - 2.0000	7 Nov 2025	7 Nov 2025	—
Interim Dividend - Rs. - 2.5000	16 May 2025	16 May 2025	—
Interim Dividend - Rs. - 2.0000	14 Nov 2024	15 Nov 2024	—

Board meetings

4 Nov 2026 Board Meeting - Financial Results
31 Jul 2026 Board Meeting - Financial Results