Aptus Value Housing Finance India Ltd. benchmarking: Perfomance to industry peers

Financial

	Aptus Value Housing	Aavas Financiers	Home First Finance
Operational Metrics
Banks
Net Interest Margin	13.4 %	7.82 %	6.0 %
NBFC
Tier I Capital	71.08 %	44.38 %	n/a
Cost of Borrowing	8.3 %	7.68 %	8.1 %
AUM - NBFC	12330.0 Crs	22204.0 Crs	14924.9 Crs
Capital to Risks Assets Ratio (CRAR)	70.5 %	46.39 %	49.0 %
Gross NPA	1.56 %	1.19 %	2.0 %
Net NPA	1.18 %	0.79 %	n/a
Unclassified
Tier 2 Capital	0.23 %	n/a	n/a
Yield On Advances	17.2 %	13.02 %	13.3 %
Financials
5 yr Average ROE	14.98 %	12.54 %	12.24 %
5yr average Equity Multiplier	2.29	3.96	3.95
5yr Average Asset Turnover Ratio	0.15	0.12	0.12
5yr Avg Net Profit Margin	44.18 %	26.41 %	26.48 %
5yr Avg Net Profit Margin	44.18 %	26.41 %	26.48 %
5yr CAGR Net Profit	22.99 %	14.53 %	30.71 %
5yr CAGR Sales	22.26 %	17.47 %	25.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.62	2.34	3.05
P/E	13.73	16.24	24.69
Shareholdings
Promoter Holding	23.87 %	48.95 %	12.35 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-38.34 %	9.8 %	-21.11 %
Change in Mutual Fund Holding (3 Yrs)	21.1 %	4.74 %	16.13 %

Business

	Aptus Value Housing	Aavas Financiers	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 88.24 Fees 2.69 Others 0.53 Corporate 0 Retail 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Others 8.54	Product Wise Break-Up Retail 99.6 Interest Income 0 Fees 0 Corporate 0.4 Fees & commission 0 Net gain on fair value charge 0 Others 0 Interest income 0	Product Wise Break-Up Retail 0 Interest Income 0 Fees 0 Corporate 0 Fee & Commission income 4.47 Net gain on derecognition of financial assets carried at fair value 4.29 Others 0 Interest Income 85.71 Others 5.53
Loan Break-Up	Loan Break-Up Housing Finance 69.0 Quasi HL 24.0 Insurance Loans 4.0 Top Up Loans 0 Business Loan 0 Loan Against Property 0 Mortgage loan 0 Others 3.0	Loan Break-Up Insurance Loans 0 Housing Finance 0 Loan Against Property 13.0 Loan Against Property 0 Business Loan 0 Quasi HL 0 Top Up Loans 0 Others 87.0	Loan Break-Up Insurance Loans 0 Housing Finance 0 Mortgage loan 0 Loan Against Property 16.0 Business Loan 0 Quasi HL 0 Top Up Loans 0 Others 84.0
Location Wise Break-Up	Location Wise Break-Up Andhra Pradesh 43.46 Tamil Nadu 30.96 Telangana 17.02 Karnataka 7.67 India 0 Others 0.89	Location Wise Break-Up Karnataka 0 Telangana 0 India 100.0 Tamil Nadu 0 Andhra Pradesh 0	Location Wise Break-Up Karnataka 6.0 Telangana 8.4 India 0 Tamil Nadu 12.1 Andhra Pradesh 5.6 Others 67.9
Customer Segment	Customer Segment Self Employed 76.0 Salaried 24.0 Self Emplyoed 0 Corporates and Others 0	Customer Segment Corporates and Others 0 Salaried 39.0 Self Employed 0 Self-Employed 61.0	Customer Segment Corporates and Others 0 Salaried 68.0 Self Employed 32.0 Self Emplyoed 0
Borrowings Break-Up	Borrowings Break-Up Banks 59.1 NCD 17.5 NHB 11.1 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Co-lending 0 Private Banks 0 PSU Banks 0 NBFC 0 DA 0 Others 12.3	Borrowings Break-Up PSU Banks 0 Assignment 25.0 NBFC 0 NHB 0 Private Banks 0 Co-lending 0 NCD 0 DA 0 NHB 12.0 Loan From Banks 52.0 Banks 0 NCD 10.0 Others 1.0	Borrowings Break-Up PSU Banks 36.0 Assignment 0 NBFC 1.0 NHB 15.0 Private Banks 24.0 Co-lending 4.0 NCD 2.0 DA 15.0 NHB Refinancing 0 Term Loans 0 Banks 0 NCDs 0 Others 3.0
Ticket Size	Ticket Size <10lks 93.0 10-20 Lakhs 0 <10 Lakhs 0 >25 Lakhs 0 20-25 Lakhs 0 Others 7.0	-	Ticket Size <10 Lakhs 0 20-25 Lakhs 13.0 10-20 Lakhs 0 <10lks 0 >25 Lakhs 14.0 Others 73.0
NPA Break-Up	NPA Break-Up Business Loan 49.75 Housing Finance 43.55 Loan Against Property 6.7	-	-

Aptus Value Housing Finance India Ltd.

Aptus Value Housing Finance India Ltd.

Financial

Business

SIGN UP FOR FREE