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Aptus Value Housing Finance India Limited
(APTUS)
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Rating:71Outperform
Price Target:
₹304.00
▲(23.33% Upside)
Action:Upgraded
Date:05/08/26
The score is driven primarily by strong profitability and revenue growth, tempered by multi-year cash flow volatility and rising leverage. Technicals are supportive but somewhat stretched, while the low P/E and modest dividend yield provide a valuation backstop.
Positive Factors
High and stable profitability
Consistently high net and operating margins indicate durable unit economics for mortgage lending to the company’s borrower cohort. Sustained mid-50% operating margins provide structural earnings resilience and capacity to absorb cyclical credit losses while funding branch-led growth over multiple years.
Negative Factors
Rising leverage
Material increase in leverage reduces financial flexibility and raises refinancing and funding risks if credit conditions tighten. Higher debt-to-equity can magnify earnings volatility and constrain the firm’s ability to absorb credit shocks or pursue opportunistic growth without raising costly capital.
Read all positive and negative factors
Positive Factors
Negative Factors
High and stable profitability
Consistently high net and operating margins indicate durable unit economics for mortgage lending to the company’s borrower cohort. Sustained mid-50% operating margins provide structural earnings resilience and capacity to absorb cyclical credit losses while funding branch-led growth over multiple years.
Read all positive factors
Aptus Value Housing Finance India Limited (APTUS) vs. iShares MSCI India ETF (INDA)
Market Cap
₹130.98B
Dividend Yield1.72%
Average Volume (3M)67.64K
Price to Earnings (P/E)13.3
Beta (1Y)1.07
Revenue Growth20.54%
EPS Growth23.05%
CountryIN
Employees2,918
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)19.68
Shares Outstanding500,792,720
10 Day Avg. Volume76,405
30 Day Avg. Volume67,636
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)1.92
Price to Sales (P/S)4.34
P/FCF Ratio10.67
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹350.00Price Target Upside41.99% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)21.77
Revenue Forecast (FY)₹18.84B
Aptus Value Housing Finance India Limited Business Overview & Revenue Model
Company Description
Aptus Value Housing Finance India Limited is an Indian financial institution specializing in housing finance. It provides a range of loan products for customers looking to construct, purchase, renovate, or extend their homes. The company also offe...
How the Company Makes Money
Aptus primarily makes money through net interest income from lending: it raises funds (through borrowings such as bank term loans/credit lines, market borrowings including non-convertible debentures, and other funding sources) and lends these fund...
Aptus Value Housing Finance India Limited Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
70
Positive
Cash Flow
42
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 23.26B | 22.45B | 17.98B | 14.09B | 11.34B | 8.40B |
| Gross Profit | 16.51B | 15.70B | 12.58B | 10.21B | 8.58B | 6.32B |
| EBITDA | 12.86B | 12.24B | 9.87B | 8.02B | 6.61B | 4.87B |
| Net Income | 9.85B | 9.43B | 7.51B | 6.12B | 5.03B | 3.70B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 130.48B | 112.43B | 90.05B | 71.76B | 56.84B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 5.91B | 4.10B | 3.49B | 4.58B | 4.05B |
| Total Debt | 0.00 | 79.04B | 68.73B | 52.00B | 37.96B | 27.28B |
| Total Liabilities | -50.60B | 79.88B | 69.27B | 52.37B | 38.37B | 27.68B |
| Stockholders Equity | 50.60B | 50.60B | 43.17B | 37.68B | 33.39B | 29.16B |
Cash Flow | ||||||
| Free Cash Flow | -1.31B | 9.13B | -14.12B | -13.61B | -10.50B | -7.27B |
| Operating Cash Flow | -1.28B | 9.19B | -14.05B | -13.56B | -10.47B | -7.24B |
| Investing Cash Flow | -2.25B | -15.83B | -900.22M | 207.07M | 1.11B | -620.38M |
| Financing Cash Flow | 3.62B | 8.22B | 14.61B | 12.24B | 9.78B | 7.68B |
Aptus Value Housing Finance India Limited Technical Analysis
Negative
246.50
Price Trends
274.64
Negative
255.91
Positive
265.90
Negative
Market Momentum
-2.95
Positive
34.69
Neutral
9.10
Positive
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 246.5 is below the 20-day moving average (MA) of 284.56, below the 50-day MA of 274.64, and below the 200-day MA of 265.90, indicating a bearish trend. The MACD of -2.95 indicates Positive momentum. The RSI at 34.69 is Neutral, neither overbought nor oversold. The STOCH value of 9.10 is Positive, 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹107.95B | 15.68 | ― | ― | 13.18% | 16.88% | |
71 Outperform | ₹130.98B | 13.27 | ― | 1.60% | 20.54% | 23.05% | |
70 Outperform | ₹109.11B | 9.67 | ― | 1.84% | 8.20% | 28.17% | |
69 Neutral | ₹24.12B | 5.10 | ― | 2.19% | 4.25% | 3.04% | |
64 Neutral | ₹217.09B | 18.90 | ― | ― | 18.04% | 19.18% | |
59 Neutral | ₹124.25B | 21.25 | ― | 0.44% | 21.42% | 25.43% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:APTUS
Aptus Value Housing Finance India Limited
260.50
-76.82
-22.77%
IN:AADHARHFC
Aadhar Housing Finance Ltd
493.45
-5.85
-1.17%
IN:AAVAS
Aavas Financiers Ltd.
1,390.70
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-18.71%
IN:CANFINHOME
Can Fin Homes Ltd.
810.40
66.64
8.96%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,169.55
-103.64
-8.14%
IN:REPCOHOME
Repco Home Finance Ltd.
384.20
-11.90
-3.00%
Aptus Value Housing Finance India Limited Corporate Events
Aptus Value Housing Finance Files SEBI Dematerialisation Compliance Certificate
Jul 10, 2026
Aptus Value Housing Finance India Limited has submitted to BSE and NSE a compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended June 30, 2026. The certificate, issued by it...
Aptus Value Housing Finance Clears FY26 Results, Announces Interim Dividend and Rs 3,000 Crore NCD Plan
May 6, 2026
Aptus Value Housing Finance India Limited’s board has approved the audited standalone and consolidated financial results for the fourth quarter and full year ended March 31, 2026, along with related regulatory disclosures including security ...
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.