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

• Market Cap: ₹160.55B
• Dividend Yield: 1.41%
• Average Volume (3M): 189.50K
• Price to Earnings (P/E): 20.1
• Beta (1Y): 0.90
• Revenue Growth: 28.39%
• EPS Growth: 24.27%
• Country: IN
• Employees: 2,918
• Sector: Real Estate
• Sector Strength: 53
• Industry: Financial - Mortgages
• EPS (TTM): 4.40
• Shares Outstanding: 500,638,240
• 10 Day Avg. Volume: 48,983
• 30 Day Avg. Volume: 189,504
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹401.67
• Price Target Upside: 26.31% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 54 Neutral
• Price Target: ₹329.00 ▲(3.46% Upside)

The overall stock score of 54 reflects strong profitability and effective equity utilization, but is weighed down by declining revenue growth, negative cash flows, and bearish technical indicators. The valuation is reasonable, but the low dividend yield may not appeal to all investors. Liquidity concerns and downward momentum are significant risks.

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 insurance. The company serves the needs of self-employed lower- and middle-income customers from semi urban and rural markets. It also provides finance in the form of loan against immovable properties. As of March 31, 2022, the company operated through a network of 208 branches across 5 states. Aptus Value Housing Finance India Limited was incorporated in 2009 and is headquartered in Chennai, India.

How the Company Makes Money

Aptus 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

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 2023	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	16.61B	12.30B	8.17B	10.29B	6.06B	4.30B
Gross Profit	12.55B	12.30B	8.08B	10.29B	5.98B	4.23B
EBITDA	4.99B	15.28B	9.37B	11.90B	6.95B	0.00
Net Income	7.51B	7.51B	5.03B	6.12B	3.70B	2.67B
Balance Sheet
Total Assets	112.43B	112.43B	71.76B	90.05B	56.84B	45.20B
Cash, Cash Equivalents and Short-Term Investments	3.03B	3.03B	4.47B	3.36B	4.05B	4.23B
Total Debt	68.47B	68.47B	37.96B	52.00B	27.28B	25.15B
Total Liabilities	69.27B	69.27B	38.37B	52.37B	27.68B	25.41B
Stockholders Equity	43.17B	43.17B	33.39B	37.68B	29.16B	19.79B
Cash Flow
Free Cash Flow	0.00	-14.12B	-10.50B	-13.61B	-7.27B	-6.22B
Operating Cash Flow	0.00	-14.05B	-10.47B	-13.56B	-7.24B	-6.21B
Investing Cash Flow	0.00	-900.22M	356.92M	207.07M	-620.38M	647.58M
Financing Cash Flow	0.00	14.61B	9.78B	12.24B	7.68B	4.95B

Aptus Value Housing Finance India Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 318.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 318 is below the 20-day moving average (MA) of 330.28, below the 50-day MA of 338.06, and above the 200-day MA of 317.05, indicating a bearish trend. The MACD of -5.14 indicates Positive momentum. The RSI at 35.25 is Neutral, neither overbought nor oversold. The STOCH value of 12.93 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PNBHOUSING	70 Outperform	225.33B	11.59	11.48%	0.58%	10.58%	27.73%
HOMEFIRST	61 Neutral	122.09B	27.54	15.15%	0.31%	33.53%	21.56%
HUDCO	60 Neutral	440.32B	16.44	15.08%	1.89%	32.45%	24.80%
PHOENIXLTD	60 Neutral	550.92B	52.45	9.42%	0.16%	-5.13%	-2.32%
APTUS	54 Neutral	₹160.55B	20.07	―	1.41%	28.39%	24.27%
AAVAS	54 Neutral	124.68B	21.22	13.17%	―	―	―
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%

Aptus Value Housing Finance India Limited Corporate Events

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.