Aptus Value Housing Finance India share price today

Aptus Value Housing Finance India Ltd's share price was ₹206.28 at the close on 4 November 2026. It has been falling for 8 weeks. That is 19.5% below its average price over the last 200 trading days. Over the past 13 weeks it has done worse than the NIFTY 500, and it has been behind for 15 weeks running.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today Aptus Value Housing Finance India Ltd is in stage 4. The phase helps read everything below.

In the last 52 weeks it traded between ₹191 and ₹307, and at that close it sat 13% of the way up from that low.

Over the last 5.2 years the share price moved −42% while the NIFTY 500 moved +50%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 24 July 2026. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: bad loans at their highest share in 15 quarters, revenue up on a year earlier for 11 quarters in a row (every quarter we can compare) and profit up on a year earlier for 11 quarters in a row (every quarter we can compare).

1. Bad loans at their highest share in 15 quarters

   Gross NPA, the share of loans not being repaid, was 1.7% in the June 2026 quarter, from 1.49% a year earlier.

   Why: Bad loans rose because the smaller nonbank arm that lends against property had higher losses.

   From the earnings call on 29 Sep 2026.

2. Revenue up on a year earlier for 11 quarters in a row (every quarter we can compare)

   In the June 2026 quarter revenue was ₹600 crore, +15.4% on a year earlier.

3. Profit up on a year earlier for 11 quarters in a row (every quarter we can compare)

   In the June 2026 quarter profit was ₹261 crore, +19.2% on a year earlier.

For April to June 2026 (the quarter ended 30 June 2026), Aptus Value Housing Finance India reported total income of ₹600 crore, up 15.4% from ₹520 crore a year earlier, and a profit of ₹261 crore, up 19.2% from ₹219 crore.

Aptus Value Housing Finance India results: April to June 2026 against a year earlier

The next results, for July to September 2026, are due by 14 November 2026: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

Aptus Value Housing Finance India's management discussed these results on a call held on 29 September 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 June 2026). Income and profit in ₹ crore.

Aptus Value Housing Finance India closed at ₹206.28 on 4 November 2026, down 29.5% from ₹292.40 a year earlier (7 November 2025) and down 40.6% over five years. Its highest weekly close since August 2021 was ₹382.20 on 17 March 2022.

Aptus Value Housing Finance India share price: then and now

Weekly closing prices. Each change is the move from that price to the 4 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

278 weekly closes from 27 August 2021 to 4 November 2026.

4 Nov 2026: Aptus Value Housing Finance India closed at ₹206.28, up 7.8% on the week and down 8.9% on the month. 29 Sep 2026: Aptus Value Housing Finance India held its results call for April to June 2026. Management guided: FY27 AUM growth 22-24%.

Earlier

• Results for April to June 2026: Total income up 15.4% and profit up 19.2% on a year earlier.
• 15 May 2026: ex-date for an interim dividend of ₹2.50 a share.
• 7 Nov 2025: ex-date for an interim dividend of ₹2 a share.

Aptus Value Housing Finance India paid ₹4.50 a share in regular dividends in the 12 months to 5 November 2026 (2 payments), a yield of 2.18% at the ₹206.28 close on 4 November 2026. The last was an interim dividend of ₹2.50 a share, ex-date 15 May 2026.

Aptus Value Housing Finance India dividends since 1 April 2021

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date.

Yes. Aptus Value Housing Finance India Ltd paid out 24% of its profit as dividends in FY26, and it paid a dividend in 4 of its last 11 reported years.

From the NSE corporate-actions record, read 5 November 2026.

On the call for April to June 2026, held on 29 September 2026, Aptus Value Housing Finance India's management guided: FY27 AUM growth 22-24%.

“Therefore, we will definitely not return to a credit cost of 25-30 basis points for the company. However, for the year, we will definitely maintain a credit cost of 60 basis points.”Amit Singh, on the call for April to June 2026

What management guided

• AUM growth above 20% and ROE around 20% for the foreseeable future; risk filters will not be loosened to accelerate growth.
• Consolidated mix maintained around 48% home loans and 29% NBFC, with balance in quasi-home loans, top-up, and insurance.
• FY27 consolidated credit cost maintained around 60 basis points; HFC component expected around 25-30 basis points.
• New-state branches expected to reach ₹70-80 lakh monthly disbursement in 6-10 months versus ₹1 crore in mature states within 8-9 months.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for April to June 2026, 29 September 2026.

When Aptus Value Housing Finance India reports July to September 2026, these are the 3 checks that show whether the story is still on course. First: Consolidated credit cost versus the annual framework - check whether NBFC LAP losses remain contained.

Aptus Value Housing Finance India is on 2 of our India lists: 52 week high & low and Dividend stocks.

Aptus Value Housing Finance India Ltd earned ₹261 Cr of net profit in the Jun 2026 quarter, +19.2% on the same quarter a year earlier. That is the 11th quarter in a row of profit growth. Full-year FY26 profit was ₹943 Cr. Over 10 years profit has grown 48.6% a year on average. That is 43.5% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹219 Cr.

For the full year, FY26 profit was ₹943 Cr (+25.6% on the year before).

Why profit moved: revenue changed +15.4% on a year earlier and the margin moved +1.4 percentage points. Sales did the work, and the margin was about flat.

On average over the last four quarters, profit changed +23.6% and revenue +21.6%. Profit and revenue are moving at about the same pace.

Aptus Value Housing Finance India Ltd reported ₹600 Cr of income in the Jun 2026 quarter, +15.4% on the same quarter a year earlier. That is the 11th quarter in a row with growth on the year before. Over 10 years it has grown 39.6% a year on average. The last full year, FY26, came in at ₹2,192 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

The last four reported quarters add to ₹2,272 Cr.

FY26 revenue was ₹2,192 Cr, +25.3% on the year before.

Recent pace: the last four quarters grew +21.6% on average, against 39.6% a year over the longer run, so this year is growing slower than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +21.2%, against +25.0% a year over the last 8 quarters (rolling over); profit over the last 12 months grew +23.4%, against +23.9% a year (stabilising).

Aptus Value Housing Finance India Ltd's net margin was 43.5% in the Jun 2026 quarter, 1.4 percentage points higher than the same quarter a year ago. Across 11 years it has been between 23.1% and 46.0%. The latest quarter is within that range.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

Aptus Value Housing Finance India Ltd's gross NPA, the share of loans that have stopped being repaid, is 1.70% in Jun 2026, up from 1.49% a year ago. After the money already set aside for bad loans, 1.29% is left (net NPA). Across the 12 quarters on file it has been between 1.07% and 1.70%.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Falling bad loans mean the loan book is healing; rising ones mean new damage.

In Jun 2026, gross NPA was 1.70% and net NPA 1.29%, against 1.49% and 1.12% a year ago.

In short: a lender's profit growth is only as good as its loans, and this loan book is not yet clearly improving. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up.

Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown.

Aptus Value Housing Finance India Ltd's revenue was ₹2,192 Cr in FY26, +25.3% on the year before, so the loan book is growing. The latest quarter was +15.4% on a year earlier. The net margin on that income is 43.5%, +1.4 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

Aptus Value Housing Finance India Ltd's P/BV is 2.0×, about the lowest it has ever been. Its usual P/BV (the middle reading) is 4.2×, over 5 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Why the multiple is where it is: over the past year book value grew while the price moved −29.5%. Price and book value moved together, so the multiple stayed in its range.

Where the price move came from: over 5 years the price moved −9.9% a year; about +12.9% a year came from book-value growth and about −22.8 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple.

In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple.

The PEG ratio and its quarterly curve, which only the second data source has, are not shown on this page: its two data sources disagree by up to 3.3% on reported income across 15 comparable periods. When two sources disagree on a figure, we leave it out on purpose. The gap is a choice, not missing data.

Aptus Value Housing Finance India Ltd's business is growing steadily. Revenue, profit and EPS growth have stayed positive throughout, and ROE is steady at 20.0%. This is based on 8 quarters of 4 measures, with some gaps.

Every business is somewhere on a path of getting better or worse, and this section names where. The last 12 quarters of growth in revenue, profit and earnings per share, plus the return the business earns on its capital, are read as lines. Getting worse: the lines are falling. Turning around: a low point has just formed and the last few quarters are rising from it. Getting better: the rise from the low has lasted. Growing steadily: steady growth with healthy returns. Slowing from a peak: still high, but slowing. When the lines disagree the result is mixed; too little history means no reading. CAGR (compound annual growth rate) is the steady yearly rate that would turn the starting value into the latest one. It is the fairest way to compare growth over different periods. If the 1-year figure is much bigger than the 10-year one, recent growth is running faster than the long-run trend. A dash means there is no figure for that period, or the starting year was a loss, where a growth rate means nothing.

Why it matters: steady growth with healthy returns is how a business compounds over time.

The return figures here are yearly, not quarterly. They show level and direction only; they can support the growth lines but never decide the reading alone.

This reading has some gaps: at least one line is short, or the return line is not the quarterly series, so treat it with a little more caution.

Compound annual growth rate (%)

Compound annual growth rate over each period, %. Revenue, profit and EPS come from yearly figures; the share price row is price growth over the same periods. A dash means no figure for that period, or the starting year was a loss.

Aptus Value Housing Finance India Ltd earned a return on equity of 20% in FY26. Its lowest yearly reading on file was 7% in FY17. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together.

Two numbers rate a bank: ROE, what it earns on shareholders’ money, and ROA, what it earns on all its assets. An ROE above about 13 to 15% is healthy; below that, net worth grows slowly.

Return on assets is left out here, because its two sources disagree for this quarter. That is above the level a bank needs to grow its net worth steadily.

Why ROE moved: profit grew 48.6% a year over 10 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low.

The quarterly return-on-equity and return-on-assets curves, which only the second data source has, are not shown on this page: its two data sources disagree by up to 3.3% on reported income across 15 comparable periods. When two sources disagree on a figure, we leave it out on purpose. The gap is a choice, not missing data.

For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead.

For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here.

Promoters cut their stake in Aptus Value Housing Finance India Ltd by 30.0 percentage points over 8 quarters, the biggest change among its owners. Promoters now own 23.9% of the company. Domestic institutions moved +18.3 points over the same period, to 27.8%. This uses the four owner groups that companies report every quarter; nothing is guessed between filings.

Who owns the company each quarter: promoters (the founders or controlling owners), foreign institutions, domestic institutions such as mutual funds, and the public. When people close to the business steadily raise their stake, that is worth noticing; a quiet list is also an answer.

Over the last two years: Promoters: −30.0 points over 8 quarters, to 23.9%; Domestic institutions: +18.3 points over 8 quarters, to 27.8%; Foreign institutions: +8.1 points over 8 quarters, to 30.5%.

Why the owners changed: promoters drove it (−30.0 points), with the other side taken by domestic institutions (+18.3 points). They reduced their stake.

For Aptus Value Housing Finance India Ltd, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead.

The Z-score estimates how far a company is from balance-sheet trouble. Above about 3 is safe; below about 1.8 is the danger zone. It was built for manufacturers, so it is not used for banks and lenders.

54.1 out of 100, rank 10 of 13 in Finance - Housing, with 87% of the evidence available.

Aptus Value Housing Finance India Ltd scores 54.1 out of 100 against the 13 companies it is compared with in Finance - Housing, ranking 10. The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer.

The four parts add up to the total exactly: 21.6 + 19 + 11.5 + 2 = 54.1. This is the same number shown on the industry page; it is worked out once for the whole group and read here.

What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector.

Aptus Value Housing Finance India ranks 10 of 13 Finance - Housing companies on the 4-Factor Sector Score, with 54.1 out of 100.

Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led NIFTY 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led NIFTY 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read.

The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section.

Related companies: Finance - Housing, all 13 compared on one page.

Aptus Value Housing Finance India is the 9th largest of 13 Finance - Housing companies on Sector Alpha by market value (scores of 30 October 2026). Just above it: Sammaan Capital, Home First Finance Company India and Can Fin Homes. Just below it: AAVAS Financiers, India Shelter Finance Corporation and Repco Home Finance.

Finance - Housing companies close in size

6. Sammaan Capital Ltd ₹13,560 crore
7. Home First Finance Company India Ltd ₹11,210 crore
8. Can Fin Homes Ltd ₹9,582 crore
9. Aptus Value Housing Finance India Ltd ₹9,580 crore
10. AAVAS Financiers Ltd ₹8,428 crore
11. India Shelter Finance Corporation Ltd ₹6,897 crore
12. Repco Home Finance Ltd ₹1,952 crore

All 13 Finance - Housing companies, largest first

Companies close in size in other industries

590. Techno Electric & Engineering Company Ltd ₹9,645 crore · Data Centre
591. Can Fin Homes Ltd ₹9,582 crore · Finance - Housing
592. Aptus Value Housing Finance India Ltd ₹9,580 crore
593. Blue Jet Healthcare Ltd ₹9,550 crore · Pharma - API & CRAMS
594. Inox Wind Ltd ₹9,540 crore · Capital Goods - Engineering Heavy

Sector Alpha, written by code from the published numbers. Data as of 4 November 2026.

Every chart on this page is drawn by code from the published figures, with no forecasts and no price opinions.

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