Dashboard/APTUS

APTUS

OVERVALUED

Aptus Value Housing Finance

Finance · NSE

↓ 57.5% vs fair value

52W Low

₹193

+35.0% from low

52W High

₹364

-28.4% from high

News sentiment

15 bull36 neu5 bear

✦

Analyst Note

5d ago

Aptus Value Housing Finance is currently trading at ₹₹260.55, which is 58.4% above our estimated fair value of ₹165.42, indicating an overvalued position. The company's return on equity (ROE) has been strong at 19.1%, but its negative free cash flow (-599 Cr) and deteriorating return on capital employed (ROCE) are concerns. Sentiment has turned bearish over the last week despite a bullish 30-day trend. This stock may suit a value investor looking to capitalize on potential price corrections.

14 articles

Aptus Value Housing Finance India Ltd is Rated Hold - Markets Mojo

Google News: APTUS·13d ago

– NEUTRAL

Aptus Value Housing Finance Q4 FY26: Stellar 26% Profit Growth Powers Premium Valuation - Markets Mojo

Google News: APTUS·14d ago

▲ BULLISH

Strong Q4 numbers keep analysts bullish on Aptus Value Housing; stock up 4% - Business Standard

Google News: APTUS·14d ago

▲ BULLISH

Aptus Value Housing Finance Q4FY26: AUM Rises 21% to ₹13,107 Cr, PAT Up 26% YoY - scanx.trade

Google News: APTUS·15d ago

▲ BULLISH

Aptus Value Housing Finance India Ltd Sees Surge in High-Value Trading and Institutional Interest - Markets Mojo

Google News: APTUS·15d ago

▲ BULLISH

Aptus Value Housing Finance India Ltd Sees Exceptional Volume Surge Amid Strong Price Gains - Markets Mojo

Google News: APTUS·15d ago

Aptus Value Shares Surge 9% In Trade — Should You Buy, Hold, Or Sell? - NDTV Profit

Google News: APTUS·15d ago

▲ BULLISH

Aptus Value Housing Finance Clears FY26 Results, Announces Interim Dividend and Rs 3,000 Crore NCD Plan - TipRanks

Google News: APTUS·16d ago

▲ BULLISH

3:2 Bonus Share: Pharma Stock jumps 3% After Board Sets Record Date for Bonus Issue - Trade Brains

Google News: APTUS·24d ago

▲ BULLISH

Aptus Value Housing Finance India Ltd is Rated Hold - Markets Mojo

Google News: APTUS·24d ago

– NEUTRAL

Aptus Pharma Cash Flow, Financial Statements - The Economic Times

Google News: APTUS·25d ago

– NEUTRAL

Aptus Pharma Shareholders Approve Capital Increase and Bonus Issue - scanx.trade

Google News: APTUS·27d ago

– NEUTRAL

Aptus Pharma Investors Back 3:2 Bonus Shares, Capital Boost - Whalesbook

Google News: APTUS·27d ago

▲ BULLISH

Aptus Value Housing Finance Completes Postal Ballot for Independent Director Appointment - scanx.trade

Google News: APTUS·27d ago

– NEUTRAL

Valuation Gauge

OVERVALUED-57.5% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹261

Fair Value

₹165

Fair Value Analysis

₹165

Based on balance sheet strength analysis and book value multiple for Finance sector companies | CAUTION: ROCE declining (latest 8.4%) — returns on capital are falling; verify this isn't a value trap.

Medium confidence

Balance Sheet Value

39% weight

₹193

P/B Multiple

62% weight

₹148

Price vs Market

APTUS

Nifty 50

Technical Pulse

Plain English — no jargon

RSI 55.8Neutral

52-week range-26.7% from high

L 193.03H 361.53

20-day avg₹264▲ 0.4%

50-day avg₹238▲ 11.3%

200-day avg₹281▼ 5.7%

📍

Price PositionBearish

Trading 5.7% below its 200-day average — stock is in a downtrend.

💪

Momentum (RSI)Neutral

RSI is 56 — neutral momentum, neither overbought nor oversold.

📈

Short-term TrendBullish

Above both 20-day and 50-day averages — short-term momentum is positive.

→Combined Verdict

Trading significantly above fair value. Unless you believe the business has permanently re-rated, the risk-reward is unfavorable here.

Shareholding Pattern

Stock Health Score

B+

Financially Healthy

7.7 / 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 13.9x trades at a 79% discount to Finance sector median (65x) — attractively valued

Cash Flow

3/10

Negative cash flow of ₹-599 Cr — concerning for Finance sector

Earnings Growth

6/10

5yr EPS CAGR of 23.3% is below the Finance sector average of 23.9%

Dividend

9/10

Dividend yield of 1.7% provides strong shareholder returns (benchmark: 1.5%)

Company Health Timeline

10-year financial health at a glance

FY17

FY18

FY19

FY20

FY21

FY22

FY23

FY24

FY25

FY26

Revenue Growthⓘ

OPM %ⓘ

Net Profitⓘ

Free Cash Flowⓘ

ROE %ⓘ

ROCE %ⓘ

Debt / Equityⓘ

Interest Cov.ⓘ

Health Score

Strong

Moderate

Weak

Poor

No data

Sentiment Trend — Last 30 Days

Historical Returns

Key Ratios & Growth

FCF Yield

-5.1%

Free cash flow / market cap

Revenue Growth (YoY)

+18.6%

Year-on-year revenue change

Profit Growth (YoY)

+26.1%

Year-on-year PAT change

Operating Cash Flow

₹-592 Cr

TTM cash from operations

Key Financials

EPS (TTM)

₹18.9

P/E Ratio

13.9x

P/B Ratio

2.6x

ROE

19.1%

ROCE

—

Debt / Equity

1.57x

Beta

0.74

Div Yield

1.7%

FCF (Cr)

₹-599 Cr

Revenue (Cr)

₹1,597 Cr

EPS Growth 5Y

23.3%

Mkt Cap (Cr)

₹13,242 Cr

52W High

₹364

52W Low

₹193

Book Value/Share

₹101

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
2026-03-31	₹2.2K Cr	₹1.2K Cr	53.0%	₹943 Cr	₹18.83
2025-03-31	₹1.8K Cr	₹939 Cr	54.0%	₹751 Cr	₹15.03
2024-03-31	₹1.4K Cr	₹758 Cr	56.0%	₹612 Cr	₹12.26
2023-03-31	₹1.1K Cr	₹621 Cr	57.0%	₹503 Cr	₹10.10
2022-03-31	₹815 Cr	₹461 Cr	57.0%	₹370 Cr	₹7.45
2021-03-31	₹640 Cr	₹332 Cr	52.0%	₹267 Cr	₹28.77
2020-03-31	₹500 Cr	₹230 Cr	46.0%	₹211 Cr	₹22.74
2019-03-31	₹325 Cr	₹143 Cr	44.0%	₹112 Cr	₹14.18
2018-03-31	₹201 Cr	₹101 Cr	50.0%	₹67 Cr	₹8.49
2017-03-31	₹126 Cr	₹58 Cr	46.0%	₹37 Cr	₹4.73

Compounded Growth Rates

Sales Growth

3Y+26.1%

5Y+27.9%

10Y—

Profit Growth

3Y+23.3%

5Y+28.7%

10Y—

EPS Growth

3Y+23.1%

5Y-8.1%

10Y—

Peer Comparison

Finance

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
SILINV SIL Investments Limited	₹436.9	₹1,876.1	+76.7%	10.8	1.3%	FAIRLY_VALUED
NBIFIN N. B. I. Industrial Finance Company Limited	₹1,900	₹8,108.1	+76.6%	37.6	0.5%	FAIRLY_VALUED
BFINVEST BF Investment Limited	₹390	₹1,536.3	+74.6%	9.3	1.2%	FAIRLY_VALUED
NSIL Nalwa Sons Investments Limited	₹5,576.5	₹21,591.5	+74.2%	126.6	0.1%	FAIRLY_VALUED
CPCAP CP Capital Limited	₹93.7	₹335.3	+72.0%	4.2	6.3%	FAIRLY_VALUED
VLSFINANCE VLS Finance Limited	₹231.3	₹820.3	+71.8%	14.2	5.8%	FAIRLY_VALUED
SAMMAANCAP Sammaan Capital Limited	₹162	₹567.9	+71.5%	7.8	5.7%	FAIRLY_VALUED
KICL Kalyani Investment Company Limited	₹4,935	₹14,921.9	+66.9%	48.8	0.5%	FAIRLY_VALUED

Institutional Activity

Bulk deals, block deals, short selling & delivery volume — NSE data

Insider Trading

Community Pulse

What is Dalal Street saying?

r/IndiaInvestments · r/Dalal_Street_Investments · r/IndianStockMarket

No Reddit mentions found yet for APTUS.

StockTwits

What traders are saying right now

StockTwits

No StockTwits activity found for APTUS.

Search Interest

Google Trends · India · Last 90 days"Aptus Value Housing Finance"

Trends

Interest score (0 = low, 100 = peak)

90-day trend

↓

Telegram Channels

ET Markets · CNBC TV18 · Moneycontrol · Zee Business · NDTV Profit

No Telegram mentions found yet for APTUS.

Exchange Filings

BSE announcements · last 90 days

NSE ↗BSE ↗

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