APTUS · Aptus Value Housing Finance India Ltd · Consumer Financial Services
APTUS · Aptus Value Housing Finance India Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
44.3% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹600 Cr
Revenue YoY
PAT YoY
+19.0%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
2.5
P/S (TTM)
5.5
Sector P/E
25.4
Dividend yield
+1.8%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| APTUS (this stock) | 14.2 | 2.5 | +43.3% | +19.5% | 1.56 | +1.8% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
falling 3q
MF
24.50% (+0.27pp)
rising 3q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
No related news.
Concalls & investor presentations
AI-generatedKey takeaway: Aptus Value Housing Finance India Limited provided a transcript of its earnings conference call for the first quarter ended June 30, 2026, which was held on August 1, 2026. The company confirmed that no unpublished price sensitive information was shared during the meeting. The transcript is available on the company's website, and the communication was directed to both BSE Limited and the National Stock Exchange of India Ltd.
The document presented factual information regarding the earnings conference call and compliance with regulations.
Sourced from an exchange-filed transcript, dated 07 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Aptus Value Housing Finance India Limited submitted an investor presentation regarding its unaudited financial results for the first quarter ended June 30, 2026. The document included details about the company's assets under management (AUM) and highlighted its contiguous branch expansion, a fully in-house team, and a fully digital loan origination system (LOS). The presentation was made available on the company's website and was filed with both the BSE and NSE, as required by SEBI regulations. The communication was signed by Sanin Panicker, the Company Secretary and Compliance Officer.
The document presented factual information without emphasizing growth or challenges.
Sourced from an exchange-filed presentation, dated 31 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Aptus Value Housing Finance India Limited provided a transcript of its earnings conference call for the fourth quarter and year ended March 31, 2026, which was held on May 7, 2026. The document stated that the transcript is available on the company's website and confirmed that no unpublished price sensitive information was shared during the meeting. The communication was addressed to BSE Limited and the National Stock Exchange of India Limited, requesting them to take the information on record.
The document presented factual information regarding the earnings conference call without emphasizing any particular sentiment.
Sourced from an exchange-filed transcript, dated 14 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Aptus Value Housing Finance India Limited reported its audited financial results for the fourth quarter and financial year ended March 31, 2026. The presentation highlighted a 21% growth in Assets Under Management (AUM) to ₹13,107 Cr, driven by record quarterly disbursements of ₹1,242 Cr. Management noted a strategic decision to discontinue sanctions below ₹7 lakh, which temporarily affected disbursements in earlier quarters but led to a strong rebound in Q4. The company expanded its branch network to 339, with plans for further growth in Maharashtra and Odisha. On asset quality, the Gross Non-Performing Assets (GNPA) increased to 1.52%, while the Net NPA stood at 1.15%. Profit After Tax (PAT) for the quarter was ₹261 Cr, reflecting a 26% year-on-year growth. The total income for FY26 grew by 25% to ₹2,246 Cr, with a return on assets (RoA) of 7.9% and return on equity (RoE) of 20.1%.
Management emphasized growth and strategic initiatives in the presentation.
Sourced from an exchange-filed presentation, dated 06 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Aptus Value Housing Finance India Limited provided a transcript of its earnings conference call for the third quarter ended December 31, 2025, which was held on February 5, 2026. The document confirmed that no unpublished price sensitive information was shared during the meeting. The transcript is available on the company's website, and the communication was directed to both BSE Limited and the National Stock Exchange of India Ltd.
The document presented factual information regarding the earnings conference call without emphasizing any particular sentiment.
Sourced from an exchange-filed transcript, dated 12 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Aptus Value Housing Finance India Limited reported its unaudited financial results for the third quarter ended December 31, 2025, highlighting a 21% growth in Assets Under Management (AUM) to ₹12,330 Cr, driven by an 11% increase in disbursements to ₹1,030 Cr. The company expanded its branch network to 335 locations, adding 37 new branches. Management noted that Gross NPA and Net NPA remained stable at 1.56% and 1.18%, respectively. Total income for the nine months of FY26 grew by 27% year-on-year to ₹1,652 Cr, with net profit for the quarter at ₹239 Cr, reflecting a 26% increase year-on-year. The return on assets (RoA) and return on equity (RoE) for the quarter were reported at 7.9% and 20.2%, respectively. Management emphasized a focus on technology and data-led decision-making to enhance underwriting and portfolio quality, while also indicating a strategic shift towards higher-ticket loans.
Management emphasized growth and stability in key financial metrics.
Sourced from an exchange-filed presentation, dated 04 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedAptus Value Housing Finance India Limited (APTUS) reported FY2025-26 results with no material defaults in loan repayments or statutory dues, and no undisputed arrears beyond six months. The company maintained adequate internal controls, with no material weaknesses identified. Key audit matters included impairment allowances under Ind AS 109 and IT system controls. The company emphasized corporate governance, compliance with RBI/NHB/SEBI regulations, and a double materiality assessment covering 15 topics. No significant legal disputes or regulatory penalties were noted, and the company maintained a going concern basis with no material uncertainties.
- No defaults in loan repayments or statutory dues, with no undisputed arrears beyond six months.
- Adequate internal controls with no material weaknesses identified.
- Key audit matters focused on impairment allowances and IT system controls.
- Compliance with RBI/NHB/SEBI regulations and strong corporate governance.
- No significant legal disputes or regulatory penalties reported.
Key takeaway: APTUS demonstrated strong compliance, no defaults, and robust internal controls in FY2025-26, with no material risks identified.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Auditor Qualification (1 item); Regulatory Action (2 items); Default / Covenant Breach (3 items); Investigation or enforcement mention (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Auditor Qualification
1 occurrenceOlder (3+ years ago)
The company's statutory auditors have resigned due to ineligibility to continue as auditors of more than certain entities as per RBI circular no. RBI/2021-22/25 dated April 27, 2021.
Regulatory Action
2 occurrencesEarlier (1-3 years ago)
The company failed to obtain prior written permission from RBI while appointing a director, resulting in a change in management due to more than 30% change in directors (excluding Independent Directors), leading to a monetary penalty of ₹3,10,000 imposed by RBI.
Older (3+ years ago)
National Housing Bank levied Rs. 5,000 (including GST) for contravention of Section 29C(1) of the National Housing Bank Act, 1987 and non-compliance with Para 28 of the Housing Finance Companies (NHB) Directions, 2010 during the period ended March 31, 2021.
Default / Covenant Breach
3 occurrencesEarlier (1-3 years ago)
The company has overdue amounts remaining outstanding as at the balance sheet date, amounting to Rs. 7,213.69 lakhs with respect to 1119 Borrowers.
Older (3+ years ago)
The Company has overdue amounts remaining outstanding as at the balance sheet date, with total amount in stage III amounting to Rs. 6056.19 lakhs with respect to 924 Borrowers.
The company has overdue amounts of Rs.5,065.53 lakhs from 634 borrowers as of the balance sheet date, reported in Note 35.6.4 of the standalone financial statements.
Investigation or enforcement mention
1 occurrenceEarlier (1-3 years ago)
The company reported instances of fraud during the years ended March 31, 2024 and March 31, 2023.
Routine disclosures
Contingent Liability
5 occurrencesRecent (last 12 months)
The company has contingent liabilities related to guarantees or securities provided to banks on behalf of its subsidiary, with an outstanding balance of 15,048 as of the balance sheet date.
Earlier (1-3 years ago)
The company has provided guarantees or security to banks on behalf of its subsidiary, with an outstanding amount of Rs. 45,907 lakhs as of the balance sheet date.
The company has provided guarantees or security to banks on behalf of its subsidiary, with an aggregate amount of 54,000 lakhs during the year and a balance outstanding of 63,131 lakhs as of the balance sheet date.
Older (3+ years ago)
The company has made investments, guarantees, loans, or advances to subsidiaries and other parties, with details provided in a table, and there are overdue amounts in respect of loans granted by the company.
The company has a contingent liability related to a fixed deposit earmarked for securitisation of INR 233.89 lakhs and a guarantee for NHB Refinance of INR 562.50 lakhs as of March 31, 2021.
Related-Party Transaction
3 occurrencesEarlier (1-3 years ago)
The company has related-party transactions, such as contributions to a trust controlled by the company.
Older (3+ years ago)
The Company granted loans and provided guarantees under Section 186 of the Companies Act, 2013 to Aptus Finance India Private Limited, a wholly owned subsidiary. Details are in Note no. 34.2 of the Standalone Financial Statements.
The company has a related party transaction involving contributions to a trust controlled by the company in relation to CSR expenditure, as per relevant accounting standards.
Management & Board Governance
2 occurrencesEarlier (1-3 years ago)
Mr. Suman Bollina resigned as a Non-executive Non-Independent Director on May 04, 2023.
Older (3+ years ago)
Mr. Suman Bollina, a Non-executive Non-Independent Director, resigned from the Board on May 04, 2023.