Aptus Value Housing Finance India Ltd
APTUS
Finance
₹ 333.30
Price
₹ 16,676
Market Cap
Mid Cap
22.20
P/E Ratio
📊 Score Snapshot
6.06 / 25
Performance
19.35 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
32.41 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -27.94 | -26.94 | -21.16 | -15.08 | - | - | - | - |
| Adj Cash PAT | -1,396 | -1,345 | -1,054 | -749.00 | -610.00 | -709.00 | -711.00 | -503.00 |
| Adj Cash PAT To PAT | -1.86 | -2.20 | -2.10 | -2.02 | -2.28 | -3.36 | -6.35 | -7.51 |
| Adj EPS | 15.03 | 12.26 | 10.10 | 7.45 | - | - | - | - |
| Adj Number Of Shares | 49.97 | 49.92 | 49.80 | 49.66 | - | - | - | - |
| Adj PE | 19.92 | 26.78 | 24.05 | 45.97 | - | - | - | - |
| Adj Peg | 0.88 | 1.25 | 0.68 | - | - | - | - | - |
| Bvps | 86.39 | 75.48 | 67.07 | 58.72 | - | - | - | - |
| Cash Revenue | 1,750 | 1,365 | 1,093 | 815.00 | 640.00 | 500.00 | 325.00 | 201.00 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.51 | 1.38 | 0.83 | - | - | - | - | - |
| Fcfe | 290.00 | 78.00 | 18.00 | -536.00 | -110.00 | -292.00 | 52.00 | 31.00 |
| Fcfe Margin | 16.57 | 5.71 | 1.65 | -65.77 | -17.19 | -58.40 | 16.00 | 15.42 |
| Fcfe To Adj PAT | 0.39 | 0.13 | 0.04 | -1.45 | -0.41 | -1.38 | 0.46 | 0.46 |
| Market Cap | 14,961 | 16,391 | 12,096 | 17,009 | - | - | - | - |
| PB | 3.47 | 4.35 | 3.62 | 5.83 | - | - | - | - |
| PE | 19.92 | 26.78 | 24.05 | 45.97 | - | - | - | - |
| Peg | 0.88 | 1.25 | 0.68 | - | - | - | - | - |
| PS | 8.55 | 12.01 | 11.07 | 20.87 | - | - | - | - |
| ROE | 18.58 | 17.22 | 16.08 | 15.11 | 14.48 | 17.52 | 17.45 | 12.12 |
| Share Price | 299.40 | 328.35 | 242.90 | 342.50 | - | - | - | - |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 484.00 | 450.00 | 421.00 | 395.00 | 375.00 | 351.00 | 334.00 | 306.00 | 299.00 | 286.00 | 268.00 | 240.00 | 225.00 | 210.00 |
| Interest | 150.00 | 143.00 | 128.00 | 120.00 | 109.00 | 98.00 | 96.00 | 85.00 | 78.00 | 77.00 | 67.00 | 54.00 | 49.00 | 49.00 |
| Expenses - | 75.00 | 67.00 | 68.00 | 61.00 | 61.00 | 59.00 | 56.00 | 45.00 | 55.00 | 47.00 | 51.00 | 41.00 | 39.00 | 35.00 |
| Other Income - | 15.20 | 8.94 | 14.16 | 9.69 | 12.66 | 13.23 | 10.88 | 9.75 | 12.07 | 8.54 | 8.81 | 8.42 | 9.11 | 6.07 |
| Depreciation | 3.00 | 3.00 | 3.00 | 3.00 | 2.00 | 2.00 | 3.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 1.00 |
| Profit Before Tax | 271.00 | 246.00 | 237.00 | 222.00 | 215.00 | 205.00 | 190.00 | 183.00 | 176.00 | 168.00 | 157.00 | 152.00 | 144.00 | 131.00 |
| Tax % | 23.62 | 22.76 | 23.21 | 22.52 | 23.72 | 22.93 | 22.11 | 22.40 | 23.30 | 25.00 | 21.66 | 21.71 | 23.61 | 22.90 |
| Net Profit - | 207.00 | 190.00 | 182.00 | 172.00 | 164.00 | 158.00 | 148.00 | 142.00 | 135.00 | 126.00 | 123.00 | 119.00 | 110.00 | 101.00 |
| Profit For PE | 207.00 | 190.00 | 182.00 | 172.00 | 164.00 | 158.00 | 148.00 | 142.00 | 135.00 | 126.00 | 123.00 | 119.00 | 110.00 | 101.00 |
| Profit For EPS | 207.00 | 190.00 | 182.00 | 172.00 | 164.00 | 158.00 | 148.00 | 142.00 | 135.00 | 126.00 | 123.00 | 119.00 | 110.00 | 101.00 |
| EPS In Rs | 4.14 | 3.81 | 3.64 | 3.44 | 3.29 | 3.16 | 2.97 | 2.86 | 2.72 | 2.52 | 2.48 | 2.39 | 2.21 | 2.04 |
| PAT Margin % | 42.77 | 42.22 | 43.23 | 43.54 | 43.73 | 45.01 | 44.31 | 46.41 | 45.15 | 44.06 | 45.90 | 49.58 | 48.89 | 48.10 |
| PBT Margin | 55.99 | 54.67 | 56.29 | 56.20 | 57.33 | 58.40 | 56.89 | 59.80 | 58.86 | 58.74 | 58.58 | 63.33 | 64.00 | 62.38 |
| Tax | 64.00 | 56.00 | 55.00 | 50.00 | 51.00 | 47.00 | 42.00 | 41.00 | 41.00 | 42.00 | 34.00 | 33.00 | 34.00 | 30.00 |
| Yoy Profit Growth % | 26.00 | 21.00 | 23.00 | 21.00 | 21.00 | 26.00 | 20.00 | 20.00 | 23.00 | 24.00 | 45.00 | 62.00 | 45.00 | 47.00 |
| Adj PAT | 207.00 | 190.00 | 182.00 | 172.00 | 164.00 | 158.00 | 148.00 | 142.00 | 135.00 | 126.00 | 123.00 | 119.00 | 110.00 | 101.00 |
| Adj PAT Margin | 42.77 | 42.22 | 43.23 | 43.54 | 43.73 | 45.01 | 44.31 | 46.41 | 45.15 | 44.06 | 45.90 | 49.58 | 48.89 | 48.10 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,750 | 1,365 | 1,093 | 815.00 | 640.00 | 500.00 | 325.00 | 201.00 | 126.00 |
| Interest | 541.00 | 389.00 | 277.00 | 209.00 | 207.00 | 185.00 | 115.00 | 53.00 | 36.00 |
| Expenses - | 271.00 | 225.00 | 196.00 | 144.00 | 101.00 | 86.00 | 67.00 | 47.00 | 32.00 |
| Other Income - | 47.99 | 51.67 | 40.28 | 25.53 | 18.63 | 23.39 | 13.26 | 2.99 | 0.07 |
| Depreciation | 12.00 | 9.00 | 7.00 | 7.00 | 6.00 | 6.00 | 3.00 | 2.00 | 2.00 |
| Profit Before Tax | 975.00 | 793.00 | 654.00 | 480.00 | 345.00 | 247.00 | 153.00 | 101.00 | 56.00 |
| Tax % | 22.97 | 22.82 | 23.09 | 22.92 | 22.61 | 14.57 | 26.80 | 33.66 | 33.93 |
| Net Profit - | 751.00 | 612.00 | 503.00 | 370.00 | 267.00 | 211.00 | 112.00 | 67.00 | 37.00 |
| Profit For PE | 751.00 | 612.00 | 503.00 | 370.00 | 267.00 | 211.00 | 112.00 | 67.00 | 37.00 |
| Profit For EPS | 751.00 | 612.00 | 503.00 | 370.00 | 267.00 | 211.00 | 112.00 | 67.00 | 37.00 |
| EPS In Rs | 15.03 | 12.26 | 10.10 | 7.45 | - | - | - | - | - |
| Dividend Payout % | 30.00 | 37.00 | 20.00 | - | - | - | - | - | - |
| PAT Margin % | 42.91 | 44.84 | 46.02 | 45.40 | 41.72 | 42.20 | 34.46 | 33.33 | 29.37 |
| PBT Margin | 55.71 | 58.10 | 59.84 | 58.90 | 53.91 | 49.40 | 47.08 | 50.25 | 44.44 |
| Tax | 224.00 | 181.00 | 151.00 | 110.00 | 78.00 | 36.00 | 41.00 | 34.00 | 19.00 |
| Adj PAT | 751.00 | 612.00 | 503.00 | 370.00 | 267.00 | 211.00 | 112.00 | 67.00 | 37.00 |
| Adj PAT Margin | 42.91 | 44.84 | 46.02 | 45.40 | 41.72 | 42.20 | 34.46 | 33.33 | 29.37 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 39.15 | - | 29.84 | 22.78 | 16.79 | 15.64 | 5.30 | 2.37 |
| Average Total Assets | 10,124 | 9,078 | 8,090 | - | 6,430 | 5,102 | 4,134 | 3,054 | 1,914 | 1,155 |
| Average Total Equity | 4,042 | 3,777 | 3,554 | - | 3,128 | 2,448 | 1,844 | 1,204 | 642.00 | 553.00 |
| Cash Equivalents | 424.00 | 623.00 | 350.00 | 333.00 | 460.00 | 446.00 | 438.00 | 603.00 | 111.00 | 14.00 |
| Fixed Assets | 35.00 | 28.00 | 22.00 | 20.00 | 15.00 | 12.00 | 10.00 | 10.00 | 4.00 | 4.00 |
| Gross Block | - | - | 61.07 | - | 45.12 | 34.75 | 26.34 | 25.75 | 9.31 | 6.71 |
| Investments | 53.00 | 65.00 | 51.00 | 51.00 | 51.00 | 102.00 | 53.00 | - | - | 45.00 |
| Lease Liabilities | 26.00 | 20.00 | - | - | - | - | - | - | 6.00 | - |
| Loans N Advances | 10,630 | 9,481 | 5.00 | - | 6.00 | 1.00 | - | 1.00 | 1.00 | - |
| Long Term Borrowings | 6,847 | 6,176 | - | 4,317 | - | - | - | - | 1,590 | 840.00 |
| Net Debt | 6,396 | 5,508 | 4,799 | 3,933 | 3,285 | 2,180 | 2,024 | 1,419 | 1,492 | 781.00 |
| Other Asset Items | 102.00 | 67.00 | 8,576 | 7,487 | 6,644 | 5,124 | 4,020 | 3,133 | 2,246 | 1,403 |
| Other Borrowings | - | - | 5,200 | - | 3,796 | 2,728 | 2,515 | 2,022 | -3.00 | - |
| Other Liability Items | 50.00 | 44.18 | 34.00 | 30.97 | 32.00 | 32.00 | 24.00 | 15.00 | 55.00 | 37.00 |
| Reserves | 4,217 | 3,914 | 3,668 | 3,440 | 3,240 | 2,817 | 1,885 | 1,614 | 620.00 | 506.00 |
| Share Capital | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 99.00 | 95.00 | 95.00 | 79.00 | 79.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | 9.00 | - |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 11,243 | 10,264 | 9,005 | 7,892 | 7,176 | 5,684 | 4,520 | 3,747 | 2,362 | 1,465 |
| Total Borrowings | 6,873 | 6,196 | 5,200 | 4,317 | 3,796 | 2,728 | 2,515 | 2,022 | 1,603 | 840.00 |
| Total Equity | 4,317 | 4,014 | 3,768 | 3,540 | 3,340 | 2,916 | 1,980 | 1,709 | 699.00 | 585.00 |
| Total Equity And Liabilities | 11,243 | 10,264 | 9,005 | 7,892 | 7,176 | 5,684 | 4,520 | 3,747 | 2,362 | 1,465 |
| Total Liabilities | 6,926 | 6,250 | 5,237 | 4,352 | 3,836 | 2,768 | 2,540 | 2,038 | 1,663 | 880.00 |
| Trade Payables | 4.00 | 10.14 | 3.00 | 3.92 | 9.00 | 8.00 | 2.00 | 1.00 | 5.00 | 3.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 1,461 | 1,224 | 978.00 | 768.00 | 495.00 | 1,209 | 764.00 | 534.00 |
| Cash From Investing Activity | 13.00 | 21.00 | 111.00 | -62.00 | 65.00 | -97.00 | - | 8.00 |
| Cash From Operating Activity | -1,405 | -1,356 | -1,047 | -724.00 | -621.00 | -735.00 | -714.00 | -495.00 |
| Cash Paid For Loan Advances | -2,141 | -1,965 | -1,553 | -1,126 | -879.00 | -920.00 | - | - |
| Cash Paid For Purchase Of Fixed Assets | -7.00 | -5.00 | -3.00 | -4.00 | -1.00 | -2.00 | -3.00 | -2.00 |
| Cash Paid For Purchase Of Investments | -2,878 | -1,443 | -1,588 | -1,026 | -229.00 | -1,048 | - | - |
| Cash Paid For Redemption Of Debentures | - | -197.00 | -21.00 | -21.00 | -242.00 | -109.00 | - | - |
| Cash Paid For Repayment Of Borrowings | -1,997 | -1,265 | -865.00 | -1,147 | -446.00 | -381.00 | -111.00 | -64.00 |
| Cash Received From Borrowings | 3,678 | 2,781 | 1,954 | 1,378 | 1,158 | 853.00 | 874.00 | 598.00 |
| Cash Received From Issue Of Debentures | - | 100.00 | - | - | 25.00 | 50.00 | - | - |
| Cash Received From Issue Of Shares | 15.00 | 13.00 | 15.00 | 581.00 | 4.00 | 803.00 | 2.00 | - |
| Cash Received From Sale Of Investments | 2,878 | 1,443 | 1,639 | 982.00 | 177.00 | 1,048 | - | - |
| Change In Other Working Capital Items | -6.00 | 14.00 | -5.00 | 1.00 | 1.00 | 1.00 | -826.00 | -571.00 |
| Change In Payables | - | -5.00 | 1.00 | 6.00 | 1.00 | - | 3.00 | 1.00 |
| Change In Working Capital | -2,147 | -1,957 | -1,557 | -1,119 | -877.00 | -920.00 | -823.00 | -570.00 |
| Direct Taxes Paid | -226.00 | -186.00 | -156.00 | -117.00 | -84.00 | -55.00 | -37.00 | -29.00 |
| Dividends Paid | -225.00 | -199.00 | -100.00 | - | - | - | - | - |
| Dividends Received | - | - | - | - | - | - | 4.00 | 2.00 |
| Interest Paid | -556.00 | -409.00 | -279.00 | -207.00 | -209.00 | -182.00 | -121.00 | -52.00 |
| Interest Received | 18.00 | 30.00 | 27.00 | 11.00 | 15.00 | 15.00 | 1.00 | - |
| Investment Income | 8.00 | - | - | - | - | 3.00 | - | - |
| Net Cash Flow | 70.00 | -111.00 | 42.00 | -18.00 | -61.00 | 377.00 | 51.00 | 47.00 |
| Other Cash Financing Items Paid | -8.00 | -7.00 | -5.00 | -23.00 | -3.00 | -6.00 | - | - |
| Other Cash Investing Items Paid | -4.00 | -5.00 | 36.00 | -26.00 | 103.00 | -112.00 | -2.00 | 8.00 |
| Profit From Operations | 1,522 | 1,196 | 944.00 | 718.00 | 548.00 | 421.00 | 267.00 | 156.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Aptus | 2025-03-31 | - | 27.74 | 9.88 | 9.40 | 0.00 |
| Aptus | 2024-12-31 | - | 21.86 | 9.68 | 15.47 | 0.00 |
| Aptus | 2024-09-30 | - | 22.45 | 9.48 | 14.16 | 0.00 |
| Aptus | 2024-06-30 | - | 22.81 | 9.14 | 13.96 | 0.00 |
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