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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Aptus Value Housing Finance India Limited is an India-based home loan company. The Company is primarily engaged in the business of housing finance and all other activities. It is also engaged in providing loans for non-housing finance activities in the form of loans against…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
An exceptional, fast-growing business, trading cheap versus its own history.
Aptus Value Hsg Fin is scored on the nbfc / financials framework. It keeps a fat 43.0% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 26%/yr and profit at 23%/yr. Book value has grown 15%/yr. Return on equity is an elite 18.8%. In the latest quarter profit grew 0% versus the prior quarter.
At 9× earnings, the stock sits at the 1st percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-3%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 8.54 | 19.25 | better |
| P/B | 1.6 | — | — |
| EV/EBITDA | 8.62 | — | — |
| ROE | 18.76 | 9.23 | better |
| ROCE | 14.14 | 8.69 | better |
| ROA | 7.34 | — | — |
| Quick Ratio | 6.26 | 9.37 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 26% CAGR over 3 years — high-growth territory.
Net profit has risen every year — the hallmark of a compounder.
Operating margin has compressed from 60% to 55% — costs or competition are eating into profitability. Margins have declined for 3 consecutive years — watch for a structural cost problem.
ROE at 19% — a respectable return on shareholder capital. ROE powered by fat margins — the hallmark of a high-quality franchise with pricing power. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. 23% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (9% spread) — a predictable, non-seasonal revenue stream.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 23.9% — widely held; sentiment-driven. FIIs trimmed 2.7pp — foreign money is rotating out.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.