APTUS VALUE HOUSING FINANCE INDIA LIMITED

Cash flow Aptus Value Housing Finance India Limited

Stocks

APTUS

INE852O01025

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Market Closed - NSE India S.E. Other stock markets 04:49:28 11/06/2026 pm IST			5-day change	1st Jan Change
258.45 ^INR	+2.34%		+0.33%	-7.40%

05/06	Aptus Value Housing Finance India Limited Partial Redemption Payment for Non-Convertible Debentures	CI
08/05	Jefferies Adjusts Aptus Value Housing Finance India's Price Target to INR350 From INR365, Keeps at Buy	MT

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Published financial data: APTUS VALUE HOUSING FINANCE INDIA LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	623.89Cr	791.67Cr	1.06TCr	1.32TCr	1.67TCr
Interest Expense, Total	206.53Cr	208.59Cr	275.91Cr	387.86Cr	540.51Cr
Net Interest Income	417.35Cr	583.08Cr	782.49Cr	932Cr	1.13TCr
Commission and Fees	12Cr	18Cr	26Cr	41Cr	57Cr
Other Revenues, Total	19Cr	30Cr	43Cr	48Cr	72Cr
Revenues Before Provison For Loan Losses	448.7Cr	631.01Cr	851.92Cr	1.02TCr	1.26TCr
Provision For Loan Losses	-	34Cr	34Cr	29Cr	28Cr
Total Revenues	448.7Cr	596.54Cr	817.79Cr	991.87Cr	1.23TCr
Salaries And Other Employee Benefits	71Cr	84Cr	121.31Cr	148.92Cr	177.06Cr
Cost of Services Provided, Total	43.54L	67.44L	83.11L	82.15L	97.86L
Depreciation & Amortization - (IS) - (Collected)	5.68Cr	6.61Cr	7.21Cr	9.31Cr	12Cr
Other Operating Expenses	26Cr	26Cr	36Cr	48Cr	65Cr
Total Operating Expenses	103.62Cr	117.14Cr	165.24Cr	206.66Cr	254.73Cr
Operating Income	345.08Cr	479.39Cr	652.55Cr	785.22Cr	974.48Cr
Other Non Operating Income (Expenses)	65T	62.1L	1.17Cr	7.94Cr	36.17L
EBT, Excl. Unusual Items	345.09Cr	480.02Cr	653.72Cr	793.16Cr	974.84Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
EBT, Incl. Unusual Items	345.09Cr	480.02Cr	653.72Cr	793.16Cr	974.84Cr
Income Tax Expense	78Cr	109.88Cr	150.71Cr	181.26Cr	223.59Cr
Earnings From Continuing Operations	266.94Cr	370.14Cr	503.01Cr	611.9Cr	751.25Cr
Net Income to Company	266.94Cr	370.14Cr	503.01Cr	611.9Cr	751.25Cr
Net Income - (IS)	266.94Cr	370.14Cr	503.01Cr	611.9Cr	751.25Cr
Net Income to Common Incl Extra Items	266.94Cr	370.14Cr	503.01Cr	611.9Cr	751.25Cr
Net Income to Common Excl. Extra Items	266.94Cr	370.14Cr	503.01Cr	611.9Cr	751.25Cr
Per Share Items
Net EPS - Basic	5.56	7.58	10.11	12.27	15.04
Basic EPS - Continuing Operations	5.56	7.58	10.11	12.27	15.04
Basic Weighted Average Shares Outstanding	48Cr	49Cr	50Cr	50Cr	50Cr
Net EPS - Diluted	5.55	7.53	10.08	12.21	15.01
Diluted EPS - Continuing Operations	5.55	7.53	10.08	12.21	15.01
Diluted Weighted Average Shares Outstanding	48Cr	49Cr	50Cr	50Cr	50Cr
Normalized Basic EPS	4.49	6.14	8.21	9.94	12.2
Normalized Diluted EPS	4.48	6.11	8.19	9.9	12.18
Dividend Per Share	-	-	4	4.5	4.5
Payout Ratio	-	-	19.8	32.59	29.91
Supplemental Items
Total Revenues (As Reported)	655.24Cr	840.22Cr	1.13TCr	1.42TCr	1.8TCr
Effective Tax Rate - (Ratio)	22.65	22.89	23.05	22.85	22.94
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	83Cr	115.51Cr	147.73Cr	186.98Cr	220.25Cr
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-4.23Cr	-5.63Cr	2.98Cr	-5.72Cr	3.34Cr
Normalized Net Income	215.68Cr	300.01Cr	408.57Cr	495.72Cr	609.27Cr
Non-Cash Pension Expense	6L	7L	8L	12.48L	13.37L
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	5L	4.38Cr	4.59Cr	3.52Cr	6.57Cr
Total Stock-Based Compensation	5L	4.38Cr	4.59Cr	3.52Cr	6.57Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	422.74Cr	405.2Cr	446.79Cr	336.13Cr	302.59Cr
Long-Term Investments - (FS Template)	6.96Cr	33Cr	60Cr	60Cr	155.86Cr
Trading Asset Securities, Total	53Cr	101.65Cr	-	-	-
Loans and Lease Receivables - (FS Template)	3.99TCr	5.08TCr	6.59TCr	8.53TCr	11TCr
Other Receivables	8.96Cr	15Cr	31Cr	17Cr	42Cr
Gross Property Plant And Equipment	23Cr	31Cr	40Cr	55Cr	79Cr
Accumulated Depreciation	-14Cr	-19Cr	-26Cr	-34Cr	-45Cr
Net Property Plant And Equipment	9.29Cr	11Cr	14Cr	21Cr	34Cr
Other Intangibles, Total	26.78L	61.65L	84.07L	1.31Cr	1.01Cr
Other Current Assets, Total	9.54Cr	9.93Cr	8.7Cr	12Cr	52Cr
Deferred Tax Assets Long-Term (Collected)	17Cr	23Cr	20Cr	25Cr	22Cr
Other Long-Term Assets, Total	2.86Cr	5.59Cr	3.23Cr	3.7Cr	4.46Cr
Total Assets	4.52TCr	5.68TCr	7.18TCr	9TCr	11TCr
Liabilities
Accounts Payable, Total	1.88Cr	7.9Cr	8.74Cr	3.47Cr	3.55Cr
Accrued Expenses, Total	5.68Cr	11Cr	14Cr	16Cr	26Cr
Short-Term Borrowings	35Cr	50Cr	40Cr	25Cr	80Cr
Current Portion of Long-Term Debt	435.04Cr	543.75Cr	957.13Cr	1.23TCr	1.89TCr
Current Portion of Leases	3.49Cr	3.98Cr	4.67Cr	5.34Cr	5.92Cr
Long-Term Debt	2.04TCr	2.13TCr	2.79TCr	3.93TCr	4.88TCr
Long-Term Leases	3.6Cr	3.82Cr	5.09Cr	9.28Cr	20Cr
Current Income Taxes Payable	4.45Cr	3.11Cr	-	-	-
Unearned Revenue, Current	37.64L	77.64L	55.42L	43T	43T
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	9.96Cr	13Cr	13Cr	9.79Cr	17Cr
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	1.64Cr	1.85Cr	2Cr	2.05Cr	2.37Cr
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	1.66Cr	2.25Cr	2.62Cr	5.42Cr	5.04Cr
Total Liabilities	2.54TCr	2.77TCr	3.84TCr	5.24TCr	6.93TCr
Common Stock, Total	95Cr	99Cr	100Cr	100Cr	100Cr
Additional Paid In Capital	1.16TCr	1.72TCr	1.74TCr	1.75TCr	1.77TCr
Retained Earnings	713.71Cr	1.08TCr	1.49TCr	1.9TCr	2.43TCr
Comprehensive Income and Other	8.04Cr	12Cr	15Cr	16Cr	21Cr
Total Common Equity	1.98TCr	2.92TCr	3.34TCr	3.77TCr	4.32TCr
Total Equity	1.98TCr	2.92TCr	3.34TCr	3.77TCr	4.32TCr
Total Liabilities And Equity	4.52TCr	5.68TCr	7.18TCr	9TCr	11TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	48Cr	50Cr	50Cr	50Cr	50Cr
ECS Total Common Shares Outstanding	48Cr	50Cr	50Cr	50Cr	50Cr
Book Value / Share	41.12	58.68	67.05	75.52	86.37
Tangible Book Value	1.98TCr	2.92TCr	3.34TCr	3.77TCr	4.32TCr
Tangible Book Value Per Share	41.11	58.67	67.03	75.49	86.34
Total Debt	2.52TCr	2.73TCr	3.8TCr	5.2TCr	6.87TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.64Cr	1.83Cr	1.99Cr	2.03Cr	2.37Cr
Net Debt	2.04TCr	2.22TCr	3.35TCr	4.86TCr	6.57TCr
Full Time Employees	1.91T	2.27T	2.4T	2.92T	3.35T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	266.94Cr	370.14Cr	503.01Cr	611.9Cr	751.25Cr
Depreciation, Depletion & Amortization	5.24Cr	6.14Cr	6.7Cr	8.59Cr	11Cr
Total Depreciation, Depletion & Amortization	5.24Cr	6.14Cr	6.7Cr	8.59Cr	11Cr
Amortization of Deferred Charges, Total	44.36L	47.45L	50.94L	71.89L	80.25L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-	-	-16Cr
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-7L
(Gain) Loss on Sale of Investments - (CF)	-	-	-8.49Cr	-4.17Cr	-7.67Cr
Total Asset Writedown	-76.08L	-5.33Cr	-	-	-
Provision for Credit Losses	5.82Cr	34Cr	34Cr	29Cr	28Cr
Stock-Based Compensation (CF)	5L	4.38Cr	4.59Cr	3.52Cr	6.85Cr
Change in Accounts Payable	1.2Cr	6.01Cr	1.13Cr	-5.27Cr	8L
Change in Other Net Operating Assets (Collected)	-877.92Cr	-1.13TCr	-1.55TCr	-1.95TCr	-2.15TCr
Other Operating Activities	-22Cr	-15Cr	-36Cr	-49Cr	-33Cr
Cash from Operations	-620.96Cr	-723.53Cr	-1.05TCr	-1.36TCr	-1.4TCr
Capital Expenditure	-1.4Cr	-3.65Cr	-3.31Cr	-4.89Cr	-6.91Cr
Sale of Property, Plant, and Equipment	-	27.5L	-	-	7L
Investment in Marketable and Equity Securities, Total	50Cr	-74Cr	87Cr	-4.66Cr	-108.36Cr
Other Investing Activities, Total	16Cr	16Cr	27Cr	30Cr	25Cr
Cash from Investing	65Cr	-62Cr	110.67Cr	21Cr	-90Cr
Long-Term Debt Issued, Total	1.18TCr	1.38TCr	1.95TCr	2.88TCr	3.68TCr
Total Debt Issued	1.18TCr	1.38TCr	1.95TCr	2.88TCr	3.68TCr
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-691.33Cr	-1.17TCr	-890.88Cr	-1.47TCr	-2TCr
Total Debt Repaid	-691.33Cr	-1.17TCr	-890.88Cr	-1.47TCr	-2TCr
Issuance of Common Stock	3.56Cr	580.97Cr	15Cr	13Cr	15Cr
Common Dividends Paid	-	-	-100Cr	-199.4Cr	-224.68Cr
Common & Preferred Stock Dividends Paid	-	-	-100Cr	-199.4Cr	-224.68Cr
Other Financing Activities, Total	-72.01L	-19Cr	-77.74L	-1.22Cr	-2.02Cr
Cash from Financing	494.91Cr	768.02Cr	978.03Cr	1.22TCr	1.46TCr
Miscellaneous Cash Flow Adjustments	-	-	-	-	1T
Net Change in Cash	-61Cr	-18Cr	42Cr	-110.66Cr	-34Cr
Supplemental Items
Cash Interest Paid	209.04Cr	206.46Cr	279.15Cr	409.42Cr	555.72Cr
Cash Income Tax Paid (Refund)	84Cr	116.85Cr	155.92Cr	186.14Cr	226.12Cr
Net Debt Issued / Repaid	492.07Cr	206.49Cr	1.06TCr	1.41TCr	1.67TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	6.46	7.25	7.82	7.56	7.42
Return On Equity %	14.47	15.12	16.08	17.22	18.58
Return on Common Equity	14.47	15.12	16.08	17.22	18.58
Margin Analysis
Gross Profit Margin %	99.92	99.94	99.96	99.97	99.95
SG&A Margin	15.93	14.19	14.9	15.07	14.43
Income From Continuing Operations Margin %	59.49	62.05	61.51	61.69	61.12
Net Income Margin %	59.49	62.05	61.51	61.69	61.12
Net Avail. For Common Margin %	59.49	62.05	61.51	61.69	61.12
Normalized Net Income Margin	48.07	50.29	49.96	49.98	49.57
Asset Turnover
Asset Turnover	0.11	0.12	0.13	0.12	0.12
Short Term Liquidity
Current Ratio	9.04	8.86	6.82	6.89	5.46
Quick Ratio	9.02	8.85	6.81	6.88	5.43
Operating Cash Flow to Current Liabilities	-1.25	-1.14	-1.01	-1.05	-0.7
Long Term Solvency
Total Debt/Equity	127.06	93.56	113.67	138	159.22
Total Debt / Total Capital	55.96	48.34	53.2	57.98	61.42
LT Debt/Equity	103.14	73.07	83.67	104.52	113.47
Long-Term Debt / Total Capital	45.42	37.75	39.16	43.92	43.77
Total Liabilities / Total Assets	56.21	48.7	53.47	58.16	61.61
Tier 1 Capital Ratio %	73.78	85.39	76.6	72.44	71.08
Total Capital Ratio %	73.63	85.61	77.38	73.03	71.31
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	32.6	33.8	37.09	21.98	22.98
Gross Profit, 1 Yr. Growth %	32.6	33.82	37.12	21.99	22.95
Earnings From Cont. Operations, 1 Yr. Growth %	26.51	38.66	35.9	21.65	22.77
Net Income, 1 Yr. Growth %	26.51	38.66	35.9	21.65	22.77
Normalized Net Income, 1 Yr. Growth %	39.55	39.1	36.19	21.33	22.91
Diluted EPS Before Extra, 1 Yr. Growth %	17.09	35.68	33.86	21.13	22.93
Common Equity, 1 Yr. Growth %	15.82	47.32	14.51	12.83	14.56
Total Assets, 1 Yr. Growth %	20.64	25.75	26.25	25.48	24.86
Tangible Book Value, 1 Yr. Growth %	15.83	47.31	14.51	12.82	14.58
Cash From Operations, 1 Yr. Growth %	-15.49	16.52	44.72	29.47	3.63
Capital Expenditures, 1 Yr. Growth %	-43.72	160.44	-9.39	47.65	41.39
Dividend Per Share, 1 Yr. Growth %	-	-	-	12.5	0
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	42.75	32.77	35.43	28.95	22.95
Gross Profit, 2 Yr. CAGR %	42.76	32.78	35.46	28.97	22.94
Earnings From Cont. Operations, 2 Yr. CAGR %	54.59	32.44	37.27	28.57	22.21
Net Income, 2 Yr. CAGR %	54.59	32.44	37.27	28.57	22.21
Normalized Net Income, 2 Yr. CAGR %	50.18	39.32	37.63	28.54	22.12
Diluted EPS Before Extra, 2 Yr. CAGR %	40.04	26.04	34.77	27.34	22.03
Common Equity, 2 Yr. CAGR %	68.33	30.63	29.88	13.67	13.7
Total Assets, 2 Yr. CAGR %	39.53	23.17	26	25.86	25.17
Tangible Book Value, 2 Yr. CAGR %	68.42	30.63	29.88	13.66	13.7
Cash From Operations, 2 Yr. CAGR %	-6.87	-0.77	29.86	36.88	15.83
Capital Expenditures, 2 Yr. CAGR %	-28.28	21.07	53.62	15.66	44.48
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	6.07
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	43.8	39.41	34.2	30.54	27.25
Gross Profit, 3 Yr. CAGR %	43.81	39.42	34.21	30.56	27.26
Earnings From Cont. Operations, 3 Yr. CAGR %	58.75	49.09	33.58	31.85	26.61
Net Income, 3 Yr. CAGR %	58.75	49.09	33.58	31.85	26.61
Normalized Net Income, 3 Yr. CAGR %	50.5	46.39	38.27	31.97	26.64
Diluted EPS Before Extra, 3 Yr. CAGR %	48.46	38.57	28.6	30.06	25.85
Common Equity, 3 Yr. CAGR %	50.13	61.01	25.02	23.93	13.97
Total Assets, 3 Yr. CAGR %	45.57	34.78	24.19	25.83	25.53
Tangible Book Value, 3 Yr. CAGR %	50.23	61.06	25.02	23.92	13.97
Cash From Operations, 3 Yr. CAGR %	7.83	0.35	12.53	29.73	24.76
Capital Expenditures, 3 Yr. CAGR %	-16.89	10.24	9.92	51.6	23.67
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	45.8	40.21	35.12	29.43
Gross Profit, 5 Yr. CAGR %	-	45.84	40.23	35.14	29.44
Earnings From Cont. Operations, 5 Yr. CAGR %	-	58.33	49.78	40.52	28.91
Net Income, 5 Yr. CAGR %	-	58.33	49.78	40.52	28.91
Normalized Net Income, 5 Yr. CAGR %	-	53.6	45.22	38.97	31.57
Diluted EPS Before Extra, 5 Yr. CAGR %	-	48.46	42.83	33.96	25.93
Common Equity, 5 Yr. CAGR %	-	41.12	41.68	40.08	20.36
Total Assets, 5 Yr. CAGR %	-	46.4	37.4	31.14	24.58
Tangible Book Value, 5 Yr. CAGR %	-	41.18	41.73	40.1	20.36
Cash From Operations, 5 Yr. CAGR %	-	19.03	16.15	13.62	13.84
Capital Expenditures, 5 Yr. CAGR %	-	2.09	6.26	12.38	22.62