Aptus Value Housing Finance India Limited (IN:APTUS)
:APTUS
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Aptus Value Housing Finance India Limited
(APTUS)
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Rating:58Neutral
Price Target:
₹232.00
▲(3.94% Upside)
Action:ReiteratedDate:11/22/25
The overall stock score is primarily influenced by financial performance and technical analysis. Strong profitability is offset by declining revenue growth and liquidity concerns. Bearish technical indicators further weigh down the score, while fair valuation provides some support.
Positive Factors
High Profitability & ROE
Sustained high net margins and a 17.4% ROE indicate the company converts lending spread into shareholder returns efficiently. Over the medium term this profitability provides internal capital to support growth, absorb credit shocks, and fund branch-led origination without immediate external dilution.
Negative Factors
Negative Operating & Free Cash Flows
Persistent negative operating and free cash flows signal that reported profits are not fully translating into cash, increasing reliance on external funding. Over months this raises liquidity and funding-cost risk, potentially constraining lending growth and forcing pricier borrowings that compress net interest margins.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability & ROE
Sustained high net margins and a 17.4% ROE indicate the company converts lending spread into shareholder returns efficiently. Over the medium term this profitability provides internal capital to support growth, absorb credit shocks, and fund branch-led origination without immediate external dilution.
Read all positive factors
Aptus Value Housing Finance India Limited (APTUS) vs. iShares MSCI India ETF (INDA)
Market Cap
₹111.77B
Dividend Yield1.6%
Average Volume (3M)67.64K
Price to Earnings (P/E)14.8
Beta (1Y)1.02
Revenue Growth28.47%
EPS Growth24.63%
CountryIN
Employees2,918
SectorReal Estate
Sector Strength53
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)4.70
Shares Outstanding500,742,740
10 Day Avg. Volume76,405
30 Day Avg. Volume67,636
Financial Highlights & Ratios
PEG Ratio0.88
Price to Book (P/B)3.47
Price to Sales (P/S)8.33
P/FCF Ratio-10.61
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹357.50Price Target Upside60.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)21.88
Revenue Forecast (FY)₹18.87B
Aptus Value Housing Finance India Limited Business Overview & Revenue Model
Company Description
Aptus Value Housing Finance India Limited operates as a home loan company in India. It offers home construction, purchase, renovation, and extension loans; and loans against property for construction and purchase; and credit shield and property in...
How the Company Makes Money
Aptus primarily makes money through net interest income earned on its loan book. It raises funds (e.g., through bank borrowings, refinance lines and/or market borrowings, subject to availability and regulatory limits) and lends these funds as hous...
Aptus Value Housing Finance India Limited Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
50
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.42B | 17.98B | 14.09B | 11.34B | 8.40B | 6.58B |
| Gross Profit | 14.21B | 12.58B | 10.21B | 8.58B | 6.32B | 4.52B |
| EBITDA | 11.27B | 9.87B | 8.02B | 6.61B | 4.87B | 3.51B |
| Net Income | 8.43B | 7.51B | 6.12B | 5.03B | 3.70B | 2.67B |
Balance Sheet | ||||||
| Total Assets | 120.24B | 112.43B | 90.05B | 71.76B | 56.84B | 45.20B |
| Cash, Cash Equivalents and Short-Term Investments | 4.82B | 4.10B | 3.49B | 4.58B | 4.05B | 4.32B |
| Total Debt | 73.13B | 68.73B | 52.00B | 37.96B | 27.28B | 25.15B |
| Total Liabilities | 73.67B | 69.27B | 52.37B | 38.37B | 27.68B | 25.41B |
| Stockholders Equity | 46.57B | 43.17B | 37.68B | 33.39B | 29.16B | 19.79B |
Cash Flow | ||||||
| Free Cash Flow | -1.31B | -14.12B | -13.61B | -10.50B | -7.27B | -6.22B |
| Operating Cash Flow | -1.28B | -14.05B | -13.56B | -10.47B | -7.24B | -6.21B |
| Investing Cash Flow | -2.25B | -900.22M | 207.07M | 1.11B | -620.38M | 647.58M |
| Financing Cash Flow | 3.62B | 14.61B | 12.24B | 9.78B | 7.68B | 4.95B |
Aptus Value Housing Finance India Limited Technical Analysis
Neutral
223.20
Price Trends
235.28
Negative
258.12
Negative
291.76
Negative
Market Momentum
-6.81
Negative
54.32
Neutral
90.33
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:APTUS, the sentiment is Neutral. The current price of 223.2 is above the 20-day moving average (MA) of 210.72, below the 50-day MA of 235.28, and below the 200-day MA of 291.76, indicating a neutral trend. The MACD of -6.81 indicates Negative momentum. The RSI at 54.32 is Neutral, neither overbought nor oversold. The STOCH value of 90.33 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:APTUS.
Aptus Value Housing Finance India Limited Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₹225.27B | 11.91 | ― | 0.53% | 12.51% | 27.75% | |
66 Neutral | ₹113.60B | 20.38 | ― | 0.33% | 31.75% | 21.70% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
64 Neutral | ₹630.51B | 60.08 | ― | 0.14% | -1.32% | -4.67% | |
58 Neutral | ₹111.77B | 14.79 | ― | 1.60% | 28.47% | 24.63% | |
53 Neutral | ₹98.62B | 17.04 | ― | ― | ― | ― | |
50 Neutral | ₹368.35B | 16.02 | ― | 2.92% | 30.25% | 13.67% |
* Real Estate Sector Average
IN:APTUS
Aptus Value Housing Finance India Limited
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-84.02
-27.35%
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Aptus Value Housing Finance India Limited Corporate Events
Aptus Value Housing Finance Confirms SEBI Compliance on Dematerialisation for Q4 FY26
Apr 4, 2026
Aptus Value Housing Finance India Limited has reported that it has obtained and submitted the requisite certificates under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31, 2026. The reg...
Aptus Value Housing Finance Discloses Postal Ballot Results on Articles Amendment
Feb 19, 2026
Aptus Value Housing Finance India Limited has reported the results of a postal ballot conducted via remote e-voting, along with the scrutinizer’s report, in line with regulatory disclosure requirements. The vote concerned a special resolutio...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.