Aptus Value Housing Finance India Limited

NSE

APTUS

Stock

Yield per half year: -1.21%
Dividend yield: 2.07%
Sector: Financials

Reporting Aptus Value Housing Finance India Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Капитализация, млрд ₹					169.18	157.9	137.06			137.31	154.71	-6.78
Выручка, млрд ₹	0.9053	2.02	2.08	3.16	4.3	6.06	8.17	10.29	12.58	10.29	8.28	23.95
Чистая прибыль, млрд ₹	0.3719	0.6657	1.11	2.11	2.67	3.7	5.03	6.12	7.51	6.12	5.01	22.98
EV, млрд ₹			14.97	14.22	20.83	191.23	152.84	152.34	215.87	152.34	146.62	59.62
EBIT, млрд ₹	0.5618	1.55	1.48	2.41	3.39	6.89	9.3	11.81		11.81	6.76	37.42
EBITDA, млрд ₹	0.000727	1.59	1.53	2.47	3.45	6.95	9.37	11.9		11.9	6.83	36.95
OIBDA, млрд ₹					4.18	7.98	10.8	14.01		14.01	9.24	35.31
Баланс стоимость, млрд ₹	5.21	5.85	6.98	17.09	19.79	29.16	33.39	37.68	43.17	37.68	32.64	16.88
FCF, млрд ₹	-3.06	0.8234	-7.16	-7.37	-6.22	-7.27	-10.5	-13.61	-14.12	-13.61	-10.3440	17.82
Операционный денежный поток, млрд ₹	-3.03	0.8479	-7.13	-7.35	-6.21	-7.24	-10.47	-13.56	-14.05	-13.56	-10.3060	17.74
Операционная прибыль, млрд ₹	0.5611	1.55	1.47	2.41	3.39	4.73	6.47	8.22		8.22	5.04	27.81
Операционные расходы, млрд ₹	0.3435	0.423	0.6702	0.8845	0.978	1.17	1.65	2.07		2.07	1.35	18.54
CAPEX, млрд ₹	0.0329	0.0244	0.0273	0.0249	0.014	0.0365	0.0331	0.0489	0.0691	0.0489	0.0403	37.62

	2020Q2	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд ₹						166.14				154.95				150.51						157.20	-3.24
Выручка, млрд ₹										2.09	2.21	2.3	2.48	2.64	3.91	4.05	4.36	3.22	3.44	3.80	-2.53
Чистая прибыль, млрд ₹										1.26	1.35	1.42	1.48	1.58	1.64	1.72	1.82	1.91	2.07	1.83	4.77
EV, млрд ₹							193.16		181.77		152.9		179.38		204.53		175.36		215.87	185.61	7.14
EBIT, млрд ₹								1.51	1.57	1.68	1.76	1.81	1.9	2.05	2.15	2.22	2.37			2.14	4.52
EBITDA, млрд ₹								1.52	1.59	1.7	1.78	1.83	1.92	2.08	2.17	2.24	2.4			2.16	4.56
OIBDA, млрд ₹															2.78	2.78	3.04			2.87	3.03
Баланс стоимость, млрд ₹								30.35	31.75	31.75	33.39	33.39	35.4		37.68	37.68	40.14		43.17	38.81	4.05
FCF, млрд ₹	-1.14	-1.14	0.000462				0.0438		0.0461	0.0349	0.0459	0.039	0.0527	0.048						0.0441	6.58
Операционный денежный поток, млрд ₹			0.000462	-1	-1		0.0438		0.0461	0.0349	0.0459	0.039	0.0527	0.048						0.0441	6.58
Операционная прибыль, млрд ₹									1.57	1.68	1.76	1.81	1.9	2.05	2.24	2.25	2.46	2.58		2.32	4.71
Операционные расходы, млрд ₹									0.4456	0.4142	0.4659	0.4421	0.532	0.5105	0.5587	0.5689	0.5852	0.6332		0.5713	4.40
CAPEX, млрд ₹	0.0026	0.0026	0.0042	0.0042	0.0042															0.0036	10.07

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Наличность, млрд ₹	0.165	0.1332	1.09	6	4.32	4.44	4.6	3.36	4.24	3.36	4.19	-0.37
Short Term Investments ₹		0.4493	-0.0264	-1.16	-0.0961	0.3879	0.1322	0.1611		0.1611	-0.1150	-167.38
Long term investments ₹					0.5275	1.22	0.7983				0.8486	14.81
Total Receivables ₹		0.0022	0.0087	0.0027	0.0896	0.1504	0.00014	0.000256		0.000256	0.0486	-37.57
Total Current Assets ₹	0.165	0.12	1.07	4.84	4.23	4.05	4.47	3.42		3.42	4.20	-6.71
Чистые активы, млрд ₹		0.0317	0.032	0.0974	0.0929	0.1135	33.39			0.1135	6.75	301.51
Активы, млрд ₹	8.45	14.45	23.28	37.47	45.2	56.84	71.76	90.05	112.43	90.05	75.26	19.99
Short Term Debt ₹		1.36	1.66	2.68	4.73	5.98	10.02	12.61		12.61	7.20	36.31
Задолженность, млрд ₹	3.24	8.61	16.29	20.38	25.41	27.68	38.37	52.37	69.27	52.37	42.62	22.21
Чистый долг, млрд ₹	2.52	8.33	14.97	14.22	20.83	22.84	33.36	-3.49	64.23	-3.49	27.55	25.26
Долг, млрд ₹			16.06	20.22	25.15	27.28	37.96	52		52	32.52	20.79
Interest income ₹			3.11	4.85	6.24	7.92	10.58				6.54	27.75
Расходы на обслуживание долга ₹			1.16	1.85	2.07	2.09	2.76	3.88	5.41	3.88	3.24	21.18
Чист. проц. доходы, млрд ₹			1.95	3.01	4.17	5.83	7.82	13.2		10.58	6.81	34.40
Амортизация, млрд ₹	-0.5611	0.0439	0.0545	0.0581	0.0568	0.0661	0.0721	0.0931		0.0931	0.0692	9.89
Себестоимость, млрд ₹		0.0507	0.0664	0.0782	0.0721	0.0801	0.0915	0.1158		0.1158	0.0875	8.17
Товарно материальные запасы ₹			1.1	6.03	-40.26	51.19		3.5		3.5	4.31	26.05

	2020Q1	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд ₹			7.18	7.18	4.44	4.44		7.49		4.6		3.33		3.5		6.23		4.24	4.38	-1.62
Short Term Investments ₹						-0.3879				-0.1322									-0.2601	-41.62
Long term investments ₹		0.5275		0.371		1.22		3.54		0.7983		0.6919							1.32	13.27
Total Receivables ₹		0.0896		43.79	0.1504	0.1504		58.13		0.00014				0.000256					11.69	-72.06
Total Current Assets ₹	4.84	4.41	7.18	7.18	4.59	4.05		7.49		4.47		3.33		3.5					4.57	-2.88
Чистые активы, млрд ₹		0.0929		0.0832		0.1135		0.1113		33.39									6.76	224.43
Активы, млрд ₹				51.68	49.93	56.84	60.26	69.57		71.76		78.92		90.04		102.64		112.43	91.16	9.40
Short Term Debt ₹						5.98				10.02				12.61					9.54	28.23
Задолженность, млрд ₹				24.65	21.86	27.68	29.91	37.82		38.37		43.52		52.36		62.5		69.27	53.20	12.54
Чистый долг, млрд ₹				16.82	21.49	22.84	29.39	29.91		33.36		39.84		48.49		-6.23		64.23	35.94	14.00
Долг, млрд ₹						27.28		37.4		37.96		43.17		52		61.76			46.46	10.55
Interest income ₹				1.92	2.04	2.17	2.33	2.18	2.77	2.91	2.97	3.25	3.38						3.06	4.06
Расходы на обслуживание долга ₹									0.7716	0.7766	0.8474	0.9614	0.9845	1.09	1.2	1.28	1.43	1.5	1.30	6.59
Чист. проц. доходы, млрд ₹					1.55	1.68	1.79	1.61	2	2.13	2.12	2.28	2.4	3.6					2.51	11.07
Амортизация, млрд ₹								0.0231	0.0174	0.0151	0.0195	0.0263	0.024	0.0233	0.026	0.0284	0.0328		0.0269	6.45
Себестоимость, млрд ₹							0.5592	0.6914	0.7891	0.7916	0.8668	0.9878	1.01	1.11	1.22	1.31			1.13	5.81
Товарно материальные запасы ₹						5.33								3.5					4.42	-18.97

Share

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	2.82	4.74	3.86	7.53	10.08	12.21	15.03	12.21	9.74	31.24
Цена акции ао			339.9	303.8	319.75	289.45	319.65	319.65	314.51	-1.22
Число акций ао, млн	496.88	480.97	499.88	491.28	498.97	500.95	499.81	500.95	498.18	-0.00
FCF/акцию	-14.41	-15.33	-12.45	-14.8	-21.05	-27.16	-28.25	-27.16	-20.7420	17.81

	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS							2.52	2.71	2.85	2.96	3.15	3.27	3.42	3.63	3.81	4.14		3.65	4.83
Цена акции ао				352.9	298.55	305.84	310.97	268.24	257.58	269.59	300.86					299.35	319.65	289.41	4.41
Число акций ао, млн	496.88	480.97	499.88				498.29				500.28							495.26	0.14
FCF/акцию							0.0699	0.0918	0.078	0.1054	0.0959							0.0882	6.53

Efficiency

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	7.14	11.38	15.96	12.35	13.49	15.12	16.08	17.22	18.58	17.22	16.86	16.10	6.61
ROA, %	4.4	4.61	4.79	5.63	5.91	7.25	7.82	7.56	7.42	7.56	4.25	7.19	4.66
ROIC, %					8.16	8.32	9.84	9.33		9.33	9.97	8.91	3.41
ROS, %	41.09	32.93	53.69	66.82	62.07	61.07	61.53	59.47	59.47	59.47	55.32	60.72	-0.85
ROCE, %	10.78	26.46	21.13	14.13	17.15	12.13	12.99	13.14	31.34	31.34	8.56	17.35	12.82
Ebit margin, %				76.47	78.92	113.62	113.73	114.76	114.76	114.76		107.16	7.78
Рентаб EBITDA, %	0.0803	78.73	73.69	78.31	80.24	114.71	114.62	115.66	115.66	115.66	61.72	108.18	7.59
Чистая рентаб, %	41.09	32.93	53.69	66.82	62.07	61.07	61.53	59.47	59.72	59.47	55.32	60.77	-0.77
Operation Margin, %	61.98	76.56	71.02	76.47	78.92	78.11	79.09	79.92	79.92	79.92	56.13	79.19	0.25
Доходность FCF, %					-3.68	-4.61	-7.66					-5.3167	27.68

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %				3.92	3.88	3.96	4.05	4.26	4.48		5.68	5.67	5.72		6.33		16.86	5.58	7.16
ROA, %	1.65	2.03	1.93	1.97	1.77		1.89		3.75		3.64		3.55		3.68		4.25	3.30	14.26
ROS, %							61.26	61.82	59.61	59.65	41.94	42.45	41.78	59.21	60.22	59.47	55.32	52.63	6.98
ROCE, %	3.99	4.62	4.88	4.96	4.93		5.28		2.52		2.55		2.46			31.34	8.56	8.83	42.79
Ebit margin, %									76.34	77.65	54.97	54.77	54.35			114.76		71.30	8.13
Рентаб EBITDA, %					78.89	81.39	80.54	79.71	77.4	78.56	55.57	55.41	55			115.66	61.72	72.04	8.04
Чистая рентаб, %						60.05	61.26	61.82	59.61	59.65	41.94	42.45	41.78	59.21	60.22		55.32	49.12	7.50
Operation Margin, %						80.56	79.86	78.86	76.34	77.65	57.38	55.67	56.54	80.32		79.92	56.13	65.97	6.85
Доходность FCF, %						0.0225				0.0319								0.0272	19.07

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E					63.38	45.49	23.75	25.47	20.19	25.47	36.28	35.66	-20.45
P/BV					8.55	5.77	3.58	4.14	3.51	4.14	3.47	5.11	-16.31
P/S					39.34	27.78	14.62	15.14	12.06	15.14	11.12	21.79	-21.06
P/FCF					-27.18	-21.71	-13.05	-10.09	-10.09	-10.09	9.16	-16.4240	-17.98
E/P					0.0158	0.0234	0.0367	0.0446	0.0446	0.0446	0.14	0.0330	23.07
EV/EBIT				5.89	6.14	27.77	16.44	12.9	12.9	12.9		15.23	16.01
EV/EBITDA			5.45	3.25	3.74	27.51	16.31	12.8		12.8	38.04	12.72	31.54
EV/S				4.5	4.84	31.55	18.7	14.8	14.8	14.8	13.61	16.94	25.05
EV/FCF				-1.93	-3.35	-26.3	-14.55	-11.2	-11.2	-11.2	11.74	-13.3200	27.30
Debt/EBITDA			5.85	4.62	4.51	3.92	4.05	4.37	4.37	4.37	17.17	4.24	-0.63
Netdebt/Ebitda	3460.89	5.23	9.78	5.75	6.04	3.29	3.56	-0.2929	-0.2929	-0.2929	-0.25	2.46	-154.59
Debt/Ratio				0.5396	0.5564	0.48	0.529	0.5774	0.5774	0.5774	0.30	0.5440	0.74
Debt/Equity				1.18	1.27	0.9356	1.14	1.38	1.39	1.39	3.05	1.22	1.82
Debt/Net Income				9.58	9.42	7.37	7.55	8.5	8.5	8.5	13.96	8.27	-2.03
PEG									7.82	7.82		7.82	0.00
Бета							1.79	1.09	2.14	2.14	1.20	1.67	6.13
Индекс Альтмана					4.92	3.81	2.64	2.15	2.15	2.15	1.01	3.13	-15.26

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E						123.4	23.75	23.52	25.28	28.35	25.43	26.24	26.89	20.48	20.22		36.28	23.85	-4.48
P/BV		5.92	5.84		4.78	4.88	3.58		3.94		4.14		4.52		3.51		3.47	3.94	-0.39
P/S						74.1	14.62	14.37	15.34	17.16	13.73	12.87	12.15	9.34	10.09		11.12	11.64	-5.97
P/FCF						4446				3135.67						-10.09	9.16	2523.86	-113.14
E/P		0.0061				0.0081				0.0105						0.0446	0.14	0.0173	64.44
EV/EBIT									94.63		95.12		74.08			12.9		69.18	-39.24
EV/EBITDA			98.71		28.87		23.19		24.72		25.49		19.73				38.04	24.40	-7.33
EV/S									72.24		52.29		40.26		62.8	14.8	13.61	48.48	-27.17
EV/FCF									3403.98							-11.2	11.74	1696.39	-105.74
Debt/EBITDA			13.94		16.57		21.34		22.46		23.92		25.78			4.37	17.17	19.57	-27.18
Netdebt/Ebitda	15.38	16.39	15.83	19.3	18.82		18.75		20.73		22.31		-2.6			-0.2929	-0.25	11.78	-143.53
Debt/Ratio									0.547		0.5775		0.6017			0.5774	0.30	0.5759	1.36
Debt/Equity									1.22		1.38		1.54			1.39	3.05	1.38	3.32
Debt/Net Income									29.16		31.7		33.94			8.5	13.96	25.82	-26.52
PEG																7.82		7.82	0.00
Бета															0.4013	2.14	1.20	1.27	130.93
Индекс Альтмана															2.15	2.15	1.01	2.15	0.00

Dividends

IFRS

Reporting Annual Quarterly

	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.996	0.996	1.99	2.25		2.25		1.56	22.60
Дивиденд		2	4	4.5	2.5	4.5		3.25	5.74
Див доход, ао, %		0.6697	1.15	2.1	2.04	2.07	1.35	1.49	32.11
Дивиденды / прибыль, %	37.31	26.91	19.8	32.59	29.91	32.59	18.71	29.30	-4.33
Dividend Coverage Ratio					2.72	2.72		2.72	0.00

	2022Q4	2023Q2	2025Q2	Industry average	5 quarters average	CAGR 5
Дивиденд	2	2			2.00	0.00
Див доход, ао, %	0.6432	0.7765		1.35	0.7098	9.87
Dividend Coverage Ratio			2.72		2.72	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2021	2022	2023	2024	2025	LTM	CAGR 5
CAPEX/Выручка, %	0.3265	0.6026	0.4048	0.4749	0.5492	0.4749	10.96
Персонал, чел			2 405	2 405			0.00

	CAGR 5

	CAGR 5