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5433

Aptus Value Housing Finance India BSE:543335 Stock Report

Last Price

₹305.65

Market Cap

₹151.9b

7D

8.1%

1Y

n/a

Updated

19 May, 2022

Data

Company Financials +
543335 fundamental analysis
Snowflake Score
Valuation0/6
Future Growth2/6
Past Performance3/6
Financial Health1/6
Dividends0/6

543335 Stock Overview

Aptus Value Housing Finance India Limited operates as a home loan company in India.

Aptus Value Housing Finance India Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Aptus Value Housing Finance India
Historical stock prices
Current Share Price₹305.65
52 Week High₹394.95
52 Week Low₹280.55
Beta0
1 Month Change-8.17%
3 Month Change-14.12%
1 Year Changen/a
3 Year Changen/a
5 Year Changen/a
Change since IPO-11.79%

Recent News & Updates

Shareholder Returns

543335IN MortgageIN Market
7D8.1%0.2%1.2%
1Yn/a-12.2%8.1%

Return vs Industry: Insufficient data to determine how 543335 performed against the Indian Mortgage industry.

Return vs Market: Insufficient data to determine how 543335 performed against the Indian Market.

Price Volatility

Is 543335's price volatile compared to industry and market?
543335 volatility
543335 Average Weekly Movement6.8%
Mortgage Industry Average Movement5.9%
Market Average Movement7.2%
10% most volatile stocks in IN Market10.0%
10% least volatile stocks in IN Market4.8%

Stable Share Price: 543335 is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: 543335's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
20091,910M. Anandanhttps://www.aptusindia.com

Aptus Value Housing Finance India Limited operates as a home loan company in India. It offers home construction, purchase, renovation, and extension loans; loans against property for construction and purchase; and credit shield and property insurance for self-employed lower- and middle-income customers from semi urban and rural markets. The company also provides finance in the form of loan against immovable properties.

Aptus Value Housing Finance India Fundamentals Summary

How do Aptus Value Housing Finance India's earnings and revenue compare to its market cap?
543335 fundamental statistics
Market Cap₹151.88b
Earnings (TTM)₹3.70b
Revenue (TTM)₹6.32b

41.0x

P/E Ratio

5.2x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
543335 income statement (TTM)
Revenue₹6.32b
Cost of Revenue₹0
Gross Profit₹6.32b
Other Expenses₹2.61b
Earnings₹3.70b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)7.45
Gross Margin100.00%
Net Profit Margin58.60%
Debt/Equity Ratio93.3%

How did 543335 perform over the long term?

See historical performance and comparison

Valuation

Is Aptus Value Housing Finance India undervalued compared to its fair value and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


41.03x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: 543335 (₹305.65) is trading above our estimate of fair value (₹122.18)

Significantly Below Fair Value: 543335 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 543335 is poor value based on its PE Ratio (41x) compared to the Indian Mortgage industry average (17.5x).

PE vs Market: 543335 is poor value based on its PE Ratio (41x) compared to the Indian market (20.7x).


Price to Earnings Growth Ratio

PEG Ratio: 543335 is poor value based on its PEG Ratio (2.3x)


Price to Book Ratio

PB vs Industry: 543335 is overvalued based on its PB Ratio (5.2x) compared to the IN Mortgage industry average (1.9x).


Future Growth

How is Aptus Value Housing Finance India forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

Future Growth Score

2/6

Future Growth Score 2/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


17.6%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 543335's forecast earnings growth (17.6% per year) is above the savings rate (6.7%).

Earnings vs Market: 543335's earnings (17.6% per year) are forecast to grow slower than the Indian market (17.9% per year).

High Growth Earnings: 543335's earnings are forecast to grow, but not significantly.

Revenue vs Market: 543335's revenue (18.5% per year) is forecast to grow faster than the Indian market (11.8% per year).

High Growth Revenue: 543335's revenue (18.5% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 543335's Return on Equity is forecast to be low in 3 years time (15.5%).


Past Performance

How has Aptus Value Housing Finance India performed over the past 5 years?

Past Performance Score

3/6

Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


29.5%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 543335 has a high level of non-cash earnings.

Growing Profit Margin: 543335's current net profit margins (58.6%) are lower than last year (59.5%).


Past Earnings Growth Analysis

Earnings Trend: 543335's earnings have grown significantly by 29.5% per year over the past 5 years.

Accelerating Growth: 543335's earnings growth over the past year (38.7%) exceeds its 5-year average (29.5% per year).

Earnings vs Industry: 543335 earnings growth over the past year (38.7%) exceeded the Mortgage industry 14.3%.


Return on Equity

High ROE: 543335's Return on Equity (12.7%) is considered low.


Financial Health

How is Aptus Value Housing Finance India's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

1/6

Financial Health Score 1/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 543335's Assets to Equity ratio (1.9x) is low.

Allowance for Bad Loans: Insufficient data to determine if 543335 has a sufficient allowance for bad loans.

Low Risk Liabilities: 543335 reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.

Loan Level: Insufficient data to determine if 543335 has an appropriate level of Loans to Assets ratio.

Low Risk Deposits: 543335 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Level of Bad Loans: Insufficient data to determine if 543335 has an appropriate level of bad loans.


Dividend

What is Aptus Value Housing Finance India current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate 543335's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 543335's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 543335's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 543335's dividend payments have been increasing.


Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 543335's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

2.0yrs

Average board tenure


CEO

M. Anandan (70 yo)

no data

Tenure

₹60,112,000

Compensation

Mr. M. Anandan serves as the Chairman of the Board and Managing Director of Aptus Value Housing Finance India Ltd. Mr. Anandan served as the Managing Director of Cholamandalam MS General Insurance Company...


CEO Compensation Analysis

Compensation vs Market: M.'s total compensation ($USD773.39K) is above average for companies of similar size in the Indian market ($USD450.14K).

Compensation vs Earnings: M.'s compensation has increased by more than 20% in the past year.


Board Members

Experienced Board: 543335's board of directors are not considered experienced ( 2 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: 543335 only recently listed within the past 12 months.


Top Shareholders

Company Information

Aptus Value Housing Finance India Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Aptus Value Housing Finance India Limited
  • Ticker: 543335
  • Exchange: BSE
  • Founded: 2009
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Implied Market Cap: ₹151.883b
  • Shares outstanding: 496.92m
  • Website: https://www.aptusindia.com

Number of Employees


Location

  • Aptus Value Housing Finance India Limited
  • 8B, Doshi Towers
  • 205, Poonamalle High Road
  • Chennai
  • Tamil Nadu
  • 600010
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/19 00:00
End of Day Share Price2022/05/19 00:00
Earnings2022/03/31
Annual Earnings2022/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.