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South India-focused affordable housing finance company lending to low-income, often self-employed, home buyers.
South India-focused affordable housing finance company lending to low-income, often self-employed, home buyers.
Lends at relatively high rates to borrowers without formal income proof and funds itself with bank loans and bonds, so profit is the gap between those rates and its funding cost, less credit losses. Its loans are mostly secured on the home, which limits losses when borrowers fall behind.
Moat: narrow (distribution, process know-how). In-house sourcing and collections model built for informal-income borrowers in its home markets.
Headquarters: Chennai, India · Founded: 2009 · Employees: 3,807
Size Aptus Value Housing Finance India (APTUS.NS) is an India Financials company (Finance/Rental/Leasing) with a market value of $927M, the 616th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹174.88 on 6 Nov 2026.
Performance Over six months the shares fell 36.4%, against -11.1% for the median peer and 0.0% for the India market (cap-weighted) — 4th lowest of 21 in its peer set.
Growth Revenue grew 17.5% over the last twelve months (peer median +7.8%); the operating margin is 57.3% (peer median 31.2%).
Valuation It trades at 1.60× book value against a peer median of 1.20× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 23.2%; Aptus Value Housing Finance India delivers 20.3%, so the price asks more than the business earns today.
Next results Next results expected around 4 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹24.1B | ₹22.4B | ₹18.0B | ₹14.1B | ₹11.3B |
| Revenue growth | — | +25% | +28% | +25% | — |
| Gross profit | ₹17.3B | ₹22.3B | ₹17.8B | ₹14.0B | ₹11.2B |
| EBITDA | ₹13.9B | ₹19.2B | ₹15.7B | ₹12.2B | ₹9.80B |
| Net income | ₹10.3B | ₹9.43B | ₹7.51B | ₹6.12B | ₹5.03B |
| Free cash flow | n/a | ₹9.14B | ₹7.54B | ₹6.35B | ₹5.25B |
| Capital expenditure | n/a | ₹63.8M | ₹69.1M | ₹48.9M | ₹33.1M |
| Total debt | ₹84.2B | ₹79.0B | ₹68.7B | ₹52.0B | ₹38.0B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Aptus Value Housing Finance India APTUS.NS | $927M | -36% | +18% | 20% | 1.60× | 23.2% |
| Aavas Financiers AAVAS.NS | $955M | -20% | +12% | 14% | 1.67× | 24.3% |
| Home First Finance Company India HOMEFIRST.NS | $1.21B | -10% | +19% | 14% | 2.45× | 31.6% |
| Aadhar Housing Finance AADHARHFC.NS | $1.99B | -14% | +18% | 16% | 2.48× | 31.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | APTUS.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -20.3% | -2.3% | 2nd lowest of 21 |
| 6-month return | -36.4% | -11.1% | 4th lowest of 21 |
| Return on equity | 20.3% | 11.0% | 3rd highest of 21 |
| Price / book | 1.60× | 1.20× | 7th most expensive of 21 |
| Trailing P/E | 8.5× | 11.9× | 4th cheapest of 17 |
| ROE the price implies | 23.2% | 7.6% | 8th most demanding of 21 |
| ROE delivered | 20.3% | 11.7% | 3rd highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Aptus Value Housing Finance India APTUS.NS | India | $927M | -36% | +18% | 20% | 1.60× | 23.2% | 20.3% |
| Jaccs 8584.T | Japan | $935M | -19% | +2% | 6% | 0.49× | 3.8% | 5.5% |
| SY Holdings Group Limited 6069.HK | Hong Kong | $917M | -25% | +17% | 13% | 1.58× | 7.2% | 13.0% |
| Mcmillan Shakespeare MMS.AX | Australia | $913M | +12% | +8% | 89% | 10.41× | 85.9% | 89.2% |
| Aavas Financiers AAVAS.NS | India | $955M | -20% | +12% | 14% | 1.67× | 24.3% | 14.0% |
| Sun Hung Kai & 0086.HK | Hong Kong | $958M | -7% | -11% | 6% | 0.33× | 3.9% | 6.2% |
| Willis Lease Finance WLFC | United States | $992M | -37% | +22% | 10% | 1.47× | 11.2% | 10.2% |
| Orient 8585.T | Japan | $831M | -24% | +4% | 4% | 0.54× | 4.4% | 4.2% |
| Can Fin Homes CANFINHOME.NS | India | $1.05B | -16% | +8% | 19% | 1.55× | 29.3% | 19.4% |
| Japan Investment Adviser 7172.T | Japan | $804M | -6% | +16% | 18% | 1.56× | 7.9% | 17.8% |
| Allied 0373.HK | Hong Kong | $800M | -34% | -40% | 2% | 0.13× | 3.4% | 1.7% |
| Burford Capital BUR.L | United Kingdom | $798M | -19% | -415% | -98% | 0.93× | 12.6% | -98.3% |
| SBFC Finance SBFC.NS | India | $1.08B | -5% | +28% | 14% | 2.52× | 31.2% | 13.6% |
| Hotai Finance 6592.TW | Taiwan | $1.08B | -6% | -9% | 10% | 0.92× | 3.4% | 9.7% |
| Navient NAVI | United States | $790M | -1% | -17% | -2% | 0.33× | 5.6% | -2.0% |
| Tourism Finance Corporation of India TFCILTD.NS | India | $787M | +92% | +28% | 12% | 5.34× | 65.6% | 12.4% |
| Lufax 6623.HK | Hong Kong | $773M | -59% | +5% | -3% | 0.07× | 3.8% | n/a |
| Paisalo Digital PAISALO.NS | India | $752M | +52% | +24% | 15% | 3.56× | 49.6% | 14.7% |
| Funding Circle FCH.L | United Kingdom | $744M | +49% | +53% | 29% | 2.30× | 26.2% | 28.5% |
| RFA Financial RFA.TO | Canada | $741M | -6% | +32% | -14% | 0.74× | 5.5% | -13.8% |
| FinVolution Group Sponsored ADR FINV | United States | $740M | -43% | -2% | 12% | 0.29× | 4.1% | 11.7% |