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

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IN:APTUS

Aptus Value Housing Finance India Limited

(APTUS)

Rating:61Neutral
Price Target:
₹355.00
▲(8.18% Upside)
The overall stock score of 61 reflects strong profitability and effective equity utilization, but is tempered by declining revenue growth and negative cash flows. Technical indicators suggest short-term bearish momentum, while the valuation is fair but not compelling. The absence of earnings call data and corporate events limits additional insights.

Aptus Value Housing Finance India Limited (APTUS) vs. iShares MSCI India ETF (INDA)

Aptus Value Housing Finance India Limited Business Overview & Revenue Model

Company DescriptionAptus Value Housing Finance India Limited (APTUS) is a prominent housing finance company based in India, specializing in providing affordable housing loans to underserved segments of the population. The company focuses on financing residential properties, primarily catering to low and middle-income families. APTUS aims to promote homeownership by offering a range of financial products tailored to meet the needs of its customers, including home loans, loan against property, and other related services.
How the Company Makes MoneyAptus generates revenue primarily through interest income from the loans it disburses. The company offers various loan products, including home loans and loans against property, which are repaid over time with interest. Additionally, Aptus earns fees from processing loan applications, foreclosures, and other transactional services associated with its financing products. The company's revenue model is supported by a robust risk assessment and underwriting process that helps in maintaining asset quality. Furthermore, partnerships with local real estate developers and agents enhance its market reach, allowing Aptus to tap into a growing customer base seeking affordable housing solutions. The company’s focus on financial inclusion and the increasing demand for housing finance in India contribute significantly to its earnings growth.

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.
Income Statement
65
Positive
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
70
Positive
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
50
Neutral
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.
BreakdownTTMDec 2025Dec 2023Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue16.61B12.30B8.17B10.29B6.06B4.30B
Gross Profit12.55B12.30B8.08B10.29B5.98B4.23B
EBITDA4.99B15.28B9.37B11.90B6.95B0.00
Net Income7.51B7.51B5.03B6.12B3.70B2.67B
Balance Sheet
Total Assets112.43B112.43B71.76B90.05B56.84B45.20B
Cash, Cash Equivalents and Short-Term Investments3.03B3.03B4.47B3.36B4.05B4.23B
Total Debt68.47B68.47B37.96B52.00B27.28B25.15B
Total Liabilities69.27B69.27B38.37B52.37B27.68B25.41B
Stockholders Equity43.17B43.17B33.39B37.68B29.16B19.79B
Cash Flow
Free Cash Flow0.00-14.12B-10.50B-13.61B-7.27B-6.22B
Operating Cash Flow0.00-14.05B-10.47B-13.56B-7.24B-6.21B
Investing Cash Flow0.00-900.22M356.92M207.07M-620.38M647.58M
Financing Cash Flow0.0014.61B9.78B12.24B7.68B4.95B

Aptus Value Housing Finance India Limited Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price328.15
Price Trends
50DMA
338.05
Negative
100DMA
330.66
Negative
200DMA
315.75
Positive
Market Momentum
MACD
-3.96
Positive
RSI
43.79
Neutral
STOCH
28.13
Neutral
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 328.15 is below the 20-day moving average (MA) of 339.46, below the 50-day MA of 338.05, and above the 200-day MA of 315.75, indicating a neutral trend. The MACD of -3.96 indicates Positive momentum. The RSI at 43.79 is Neutral, neither overbought nor oversold. The STOCH value of 28.13 is Neutral, 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

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
64
Neutral
₹129.15B28.26
0.30%33.53%21.56%
63
Neutral
$7.02B13.29-0.50%6.92%4.08%-25.24%
61
Neutral
₹162.39B20.30
1.37%28.39%24.27%
61
Neutral
₹559.68B52.48
0.16%-5.13%-2.32%
60
Neutral
₹204.70B10.03
0.63%10.58%27.73%
54
Neutral
₹121.14B21.58
52
Neutral
₹433.41B15.58
1.99%32.45%24.80%
* Real Estate Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:APTUS
Aptus Value Housing Finance India Limited
328.15
4.71
1.46%
IN:AAVAS
Aavas Financiers Ltd.
1,573.90
-241.65
-13.31%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,260.50
84.70
7.20%
IN:HUDCO
Housing & Urban Development Corp. Ltd.
214.05
-39.86
-15.70%
IN:PHOENIXLTD
Phoenix Mills Ltd.
1,500.05
-294.87
-16.43%
IN:PNBHOUSING
PNB Housing Finance Limited
782.35
-250.19
-24.23%
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.Date of analysis: Aug 27, 2025