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Aptus Value Housing Finance India Q1 FY27 Share Price & Earnings Call Analysis

₹200.32+0.86% today
Market cap
₹10,055 Cr
P/E
10.21
ROE
20.11%
PEG
0.44
Price to sales
4.41
Debt to equity
1.56
52W high / low
₹318 / ₹195
Sales growth (5Y)
27.94%
EBITDA margin
82.40%
Net profit margin
43.01%
Promoter holding
23.86%
Sales (last year)
₹2,272 Cr

Aptus Value Housing Finance India Ltd is a Home Loan Company. Aptus has been formed to primarily address the housing finance needs of self-employed, low and middle income families primarily from semi-urban and rural areas. Company targets first-time home buyers where collateral is self- occupied residential property.

Guidance scorecard · Q1 FY27 call

What Aptus Value Housing Finance India Ltd's management guided
and where it ranks in Finance

#21of 59 in
Finance
Revenue20–40%MarginsFlatCapexPlannedFundraisingPlannedOrder bookRising

RevenueQ1 FY27 call

20–40%
  • FY27 AUM growth guidance: 22% to 24%
  • Q1 disbursements grew 36% YoY; July '26 disbursements up 25% YoY
  • Branch expansion target: 60-70 branches in FY27; 33 branches added in Q1 with further additions planned in Q2 and Q3
  • Focus on increasing average ticket size and onboarding higher quality customers
  • Geographic expansion continuing, including entry into new states like Odisha and Maharashtra
  • Distribution channels strengthening via connector network (currently 1,000 connectors) and digital marketing
  • Product expansion planned beyond home loans and SME loans, especially through NBFC to leverage existing customer base

2 more points from Aptus Value Housing Finance India Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what Aptus Value Housing Finance India Ltd said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • Aptus Value Housing Finance India Limited is focusing on branch expansion, with 33 branches opened in Q1 FY27 and a full-year target of 60 to 70 branches.
  • Investments are being made in IT infrastructure alongside branch expansion to enhance operations and digital capabilities.
  • The company is pursuing geographic expansion into new states like Maharashtra and Odisha, aiming for contiguous branch growth and deeper market penetration.

2 more points from Aptus Value Housing Finance India Ltd's call on capex

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

Planned

See what Aptus Value Housing Finance India Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Rising

Ask what Aptus Value Housing Finance India Ltd said on the order book →

Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Aptus Value Housing Finance India Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Financials of Aptus Value Housing Finance India Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Aptus Value Housing Finance India Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +299306334351375395421450484520544554574
Interest78859698109120128143150160165162161
Expenses +554556596161686775819199101
Financing Profit166176181194205215225240259279288292312
Financing Margin %56%57%54%55%55%54%53%53%54%54%53%53%54%
Other Income +1210111313101491510101519
Depreciation2232233333334
Profit before tax176183190205215222237246271286294304328
Tax %23%22%22%23%24%23%23%22%24%23%23%22%20%
Net Profit +135142148158164172182190207219227236261
EPS in Rs2.722.862.973.163.293.443.643.814.144.394.534.725.21
Gross NPA %1.15%1.29%1.19%1.19%1.07%1.32%1.25%1.28%1.19%1.49%1.55%1.56%
Net NPA %0.86%0.97%0.89%0.89%0.80%0.98%0.94%0.96%0.89%1.12%1.17%1.18%

Financials of Aptus Value Housing Finance India Ltd

Profit & Loss

Annual income statement trend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +1262013255006408151,0931,3651,7502,192
Interest3653115185207209277389542648
Expenses +32476786101144196218270373
Financing Profit581011432303324616217589391,171
Financing Margin %46%50%44%46%52%57%57%56%54%53%
Other Income +031323192640444853
Depreciation223667791213
Profit before tax561011532473454806547939751,211
Tax %34%34%27%15%23%23%23%23%23%22%
Net Profit +3767112211267370503612751943
EPS in Rs4.738.4914.1822.7428.777.4510.1012.2615.0318.83
Dividend Payout %0%0%0%0%0%0%20%37%30%24%

Financials of Aptus Value Housing Finance India Ltd

Balance Sheet

Capital structure and asset base

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital797979959599100100100100
Reserves4425066201,6141,8852,8173,2403,6684,2174,960
Borrowing3068401,6032,0222,5152,7283,7965,2006,8737,904
Other Liabilities +18406116263941375484
Total Liabilities8451,4652,3623,7474,5205,6847,1769,00511,24313,048
Fixed Assets +54410101215223539
CWIP0000000000
Investments1450053102515153240
Other Assets +8401,4162,3583,7374,4585,5707,1108,93111,15612,768
Total Assets8451,4652,3623,7474,5205,6847,1769,00511,24313,048

Financials of Aptus Value Housing Finance India Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-303-495-714-735-621-724-1,047-1,356-1,405-592
Cash from Investing Activity +280-9765-6211121-90-72
Cash from Financing Activity +3005347641,2094957689781,2241,461822
Net Cash Flow-14751377-61-1842-111-34158
Free Cash Flow-303-498-717-737-622-727-1,050-1,361-1,412-599
CFO/OP-306%-303%-262%-164%-100%-90%-99%-102%-80%-20%

Financials of Aptus Value Housing Finance India Ltd

Ratios

Working capital efficiency and return ratios

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %7%12%17%18%14%15%16%17%19%20%

Guidance history

How Aptus Value Housing Finance India Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%FlatPlannedPlannedRising
Q4 FY26 call →20–40%FlatPlannedPlannedRising
Q3 FY26 call →20–40%FlatPlannedPlannedFlat
Q2 FY26 call →20–40%FlatPlannedPlannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

6out of 100

Momentum score · price trend

6 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−36.8%15%
Last 6 months−23.0%14%
Last 3 months−27.7%5%

The price is 47.6% below its all-time high of ₹382.2 (17 Mar 2022). Stocks more than 20% below their peak have their score halved, so 13 became 6.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Aptus Value Housing Finance India Ltd: 0.4 × 15 + 0.4 × 14 + 0.2 × 5 = 13, halved to 6 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Aptus Value Housing Finance India Ltd's management said in earlier quarters

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