Aptus Value Housing Finance India Limited (APTUS) AI Stock Analysis

• Market Cap: ₹141.90B
• Dividend Yield: 1.59%
• Average Volume (3M): 67.64K
• Price to Earnings (P/E): 16.8
• Beta (1Y): 0.88
• Revenue Growth: 28.47%
• EPS Growth: 24.63%
• Country: IN
• Employees: 2,918
• Sector: Real Estate
• Sector Strength: 53
• Industry: Financial - Mortgages
• EPS (TTM): 4.50
• Shares Outstanding: 500,722,750
• 10 Day Avg. Volume: 76,405
• 30 Day Avg. Volume: 67,636
• PEG Ratio: 0.88
• Price to Book (P/B): 3.47
• Price to Sales (P/S): 8.33
• P/FCF Ratio: -10.61
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹415.00
• Price Target Upside: 46.44% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: ₹288.00 ▲(1.62% Upside)

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

Profitability

High profit margins indicate efficient operations and strong pricing power, which can sustain long-term profitability and shareholder value.

Market Position

Targeting underserved markets provides a competitive advantage, enabling growth in a niche segment with less competition and high demand.

Revenue Model

A diversified revenue model with interest and fee income ensures stable cash flows and reduces dependency on a single income stream.

Negative Factors

Revenue Growth Decline

A decline in revenue growth can hinder the company's ability to scale and compete, impacting long-term financial performance and market share.

Negative Cash Flows

Negative cash flows indicate potential liquidity issues, which can affect the company's ability to invest in growth opportunities and meet financial obligations.

Liquidity Concerns

Liquidity issues can limit operational flexibility and increase financial risk, potentially affecting the company's long-term sustainability.

Aptus Value Housing Finance India Limited Business Overview & Revenue Model

Company Description

Aptus Value Housing Finance India Limited (APTUS) is a leading financial services company based in India, specializing in housing finance. The company primarily caters to the affordable housing segment, offering a range of products including home loans, mortgage loans, and loan against property. APTUS focuses on providing financial solutions that empower individuals from diverse backgrounds to achieve their home ownership dreams, thus playing a vital role in the housing finance ecosystem.

How the Company Makes Money

APTUS generates revenue primarily through interest income from the loans it disburses to customers. The company charges interest on home loans and other financing products, which constitutes its core revenue stream. Additionally, APTUS may earn money through processing fees, prepayment fees, and other charges associated with loan origination and servicing. The company’s focus on the affordable housing segment allows it to tap into a vast market of first-time homebuyers, often with lower loan amounts, which can lead to a high volume of transactions. Partnerships with real estate developers and other financial institutions also enhance its market reach and facilitate cross-selling opportunities, further contributing to its earnings.

Aptus Value Housing Finance India Limited Financial Statement Overview

Summary

Aptus Value Housing Finance India Limited demonstrates strong profitability and effective equity utilization, but faces challenges with declining revenue growth and negative cash flows. The company's leverage is moderate, but liquidity concerns due to negative cash flows could pose risks if not addressed. Overall, the financial health is stable but requires attention to cash flow management and revenue growth strategies.

Income Statement

Aptus Value Housing Finance India Limited shows strong profitability with consistently high gross profit margins of 100% and net profit margins above 60% in recent years. However, the revenue growth rate has declined significantly by 20.83% in the latest period, indicating potential challenges in maintaining growth momentum. EBIT and EBITDA margins are robust, reflecting efficient operations, but the negative revenue growth is a concern.

Balance Sheet

The company's balance sheet reveals a moderate debt-to-equity ratio of 1.59, indicating a reasonable level of leverage for a financial company. Return on equity is healthy at 17.40%, showcasing effective use of equity to generate profits. However, the equity ratio is not explicitly provided, which limits a full assessment of asset financing.

Cash Flow

Cash flow analysis indicates challenges, with negative operating and free cash flows over the years. The free cash flow to net income ratio is slightly above 1, suggesting that cash flow generation is not keeping pace with reported profits. The negative free cash flow growth rate and operating cash flow coverage ratio highlight potential liquidity issues.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	19.30B	17.98B	14.09B	11.34B	8.40B	6.58B
Gross Profit	13.42B	12.58B	10.21B	8.58B	6.32B	4.52B
EBITDA	8.12B	9.87B	8.02B	6.61B	4.87B	3.51B
Net Income	7.99B	7.51B	6.12B	5.03B	3.70B	2.67B
Balance Sheet
Total Assets	0.00	112.43B	90.05B	71.76B	56.84B	45.20B
Cash, Cash Equivalents and Short-Term Investments	0.00	4.10B	3.49B	4.58B	4.05B	4.32B
Total Debt	0.00	68.73B	52.00B	37.96B	27.28B	25.15B
Total Liabilities	-43.17B	69.27B	52.37B	38.37B	27.68B	25.41B
Stockholders Equity	43.17B	43.17B	37.68B	33.39B	29.16B	19.79B
Cash Flow
Free Cash Flow	0.00	-14.12B	-13.61B	-10.50B	-7.27B	-6.22B
Operating Cash Flow	0.00	-14.05B	-13.56B	-10.47B	-7.24B	-6.21B
Investing Cash Flow	0.00	-900.22M	207.07M	1.11B	-620.38M	647.58M
Financing Cash Flow	0.00	14.61B	12.24B	9.78B	7.68B	4.95B

Aptus Value Housing Finance India Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 283.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:APTUS, the sentiment is Negative. The current price of 283.4 is below the 20-day moving average (MA) of 284.21, below the 50-day MA of 294.00, and below the 200-day MA of 315.23, indicating a bearish trend. The MACD of -1.80 indicates Negative momentum. The RSI at 44.73 is Neutral, neither overbought nor oversold. The STOCH value of 37.18 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:APTUS.

Aptus Value Housing Finance India Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PNBHOUSING	69 Neutral	₹241.31B	11.21	―	0.54%	12.51%	27.75%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
AAVAS	64 Neutral	₹115.57B	19.15	―	―	―	―
PHOENIXLTD	64 Neutral	₹655.18B	60.75	―	0.14%	-1.32%	-4.67%
HUDCO	62 Neutral	₹423.40B	15.11	―	2.98%	30.25%	13.67%
HOMEFIRST	59 Neutral	₹119.45B	24.46	―	0.32%	31.75%	21.70%
APTUS	58 Neutral	₹141.90B	16.80	―	1.59%	28.47%	24.63%

Aptus Value Housing Finance India Limited Corporate Events

Aptus Value Housing Finance Announces INR 150 Crore Debenture Allotment

Aptus Value Housing Finance India Limited has announced the allotment of 15,000 secured, redeemable, rated, listed non-convertible debentures, each valued at INR 1,00,000, totaling INR 150 crore. This issuance, approved by the company’s Resourcing & Business Committee, is conducted on a private placement basis and is set to mature in five years with a 7.95% interest rate. The move is part of Aptus’s strategic efforts to strengthen its financial position and expand its market presence, potentially impacting stakeholders by enhancing the company’s capital resources and operational capabilities.

Aptus Value Housing Finance Releases Q2 2025 Financial Results

Aptus Value Housing Finance India Limited announced its unaudited financial results for the second quarter ending September 30, 2025. The publication of these results in major newspapers highlights the company’s transparency and commitment to regulatory compliance. This announcement may impact the company’s market perception and investor confidence, as it provides insights into the company’s financial health and operational performance during the specified period.

Aptus Value Housing Releases Q2 Earnings Call Recording

Aptus Value Housing Finance India Limited has released the audio recording of its earnings conference call for the second quarter ending September 30, 2025. This release, aligned with regulatory requirements, provides stakeholders with insights into the company’s financial performance and strategic direction, potentially impacting investor perceptions and market positioning.

Aptus Value Housing Finance Expands Share Capital Through Employee Stock Options

Aptus Value Housing Finance India Limited has announced the allotment of 44,688 equity shares following the exercise of stock options by employees under its Employee Stock Option Scheme, 2021. This move increases the company’s paid-up share capital and reflects its commitment to employee engagement and retention, potentially strengthening its market position and stakeholder confidence.