Dashboard/APTUS

APTUS

OVERVALUED

Aptus Value Housing Finance

Finance · NSE

↓ 20.9% vs fair value

52W Low

₹193

+3.6% from low

52W High

₹364

-45.1% from high

News sentiment (2 articles)

0 bull2 neutral0 bear

Valuation Gauge

OVERVALUED-20.9% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹200

Fair Value

₹165

Fair Value Analysis

₹165

Based on balance sheet strength analysis and book value multiple for Finance sector companies

Medium confidence

Balance Sheet Value

39% weight

₹193

P/B Multiple

62% weight

₹148

Price vs Market

APTUS

Nifty 50

Shareholding Pattern

Stock Health Score

B+

Financially Healthy

8.1 / 10

Profitability

10/10

ROE of 19.1% is above the Finance sector benchmark of 18% — strong returns

Debt & Leverage

10/10

D/E ratio of 1.6x is well within the Finance sector norm of 4.0x — strong balance sheet

Valuation vs Peers

10/10

P/E of 11.2x trades at a 83% discount to Finance sector median (65x) — attractively valued

Cash Flow

3/10

Negative cash flow of ₹-1,412 Cr — concerning for Finance sector

Earnings Growth

8/10

5yr EPS CAGR of 26.6% is in line with the Finance sector average of 23.9%

Dividend

9/10

Dividend yield of 2.3% provides strong shareholder returns (benchmark: 1.5%)

Sentiment Trend — Last 30 Days

Historical Returns

Key Ratios & Growth

FCF Yield

-14.9%

Free cash flow / market cap

Revenue Growth (YoY)

+23.1%

Year-on-year revenue change

Profit Growth (YoY)

+24.2%

Year-on-year PAT change

Operating Cash Flow

₹-1.4K Cr

TTM cash from operations

Key Financials

EPS (TTM)

₹17.8

P/E Ratio

11.3x

P/B Ratio

2.2x

ROE

19.1%

ROCE

—

Debt / Equity

1.57x

Beta

0.5

Div Yield

2.3%

FCF (Cr)

₹-1,412 Cr

Revenue (Cr)

₹1,258 Cr

EPS Growth 5Y

26.6%

Mkt Cap (Cr)

₹9,986 Cr

52W High

₹364

52W Low

₹193

Book Value/Share

₹93.1

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
TTM	₹2.1K Cr	₹1.8K Cr	84.0%	₹889 Cr	₹17.78
2025-03-31	₹1.8K Cr	₹1.5K Cr	85.0%	₹751 Cr	₹15.03
2024-03-31	₹1.4K Cr	₹1.1K Cr	84.0%	₹612 Cr	₹12.26
2023-03-31	₹1.1K Cr	₹897 Cr	82.0%	₹503 Cr	₹10.10
2022-03-31	₹815 Cr	₹670 Cr	82.0%	₹370 Cr	₹7.45
2021-03-31	₹640 Cr	₹539 Cr	84.0%	₹267 Cr	₹28.77
2020-03-31	₹500 Cr	₹414 Cr	83.0%	₹211 Cr	₹22.74
2019-03-31	₹325 Cr	₹258 Cr	79.0%	₹112 Cr	₹14.18
2018-03-31	₹201 Cr	₹154 Cr	77.0%	₹67 Cr	₹8.49
2017-03-31	₹126 Cr	₹94 Cr	74.0%	₹37 Cr	₹4.73

Compounded Growth Rates

Sales Growth

3Y+24.4%

5Y+26.9%

10Y—

Profit Growth

3Y+20.9%

5Y+27.2%

10Y—

EPS Growth

3Y+20.7%

5Y-9.2%

10Y—

Peer Comparison

Finance

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
NBIFIN N. B. I. Industrial Finance Company Limited	₹1,720	₹8,110.3	+78.8%	32.3	0.4%	UNDERVALUED
DHUNINV Dhunseri Investments Limited	₹757	₹3,224.5	+76.5%	20.6	0.8%	UNDERVALUED
CPCAP CP Capital Limited	₹88.1	₹335.3	+73.7%	3.7	6.3%	UNDERVALUED
GICHSGFIN GIC Housing Finance Limited	₹143.2	₹426.4	+66.4%	5.6	8.8%	UNDERVALUED
MUTHOOTCAP Muthoot Capital Services Limited	₹191.9	₹447.2	+57.1%	24.8	7.6%	UNDERVALUED
SAMMAANCAP Sammaan Capital Limited	₹147.1	₹284.1	+48.2%	8	5.7%	UNDERVALUED
REPCOHOME Repco Home Finance Limited	₹373.5	₹719.1	+48.1%	4.9	11.8%	UNDERVALUED
LICHSGFIN LIC Housing Finance Limited	₹516.5	₹928.6	+44.4%	5.2	13.0%	UNDERVALUED