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Aptus Value Housing Finance India Limited
(APTUS)
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Rating:62Neutral
Price Target:
₹276.00
▲(11.97% Upside)
Action:Downgraded
Date:08/09/26
The score is primarily supported by strong profitability and reasonable valuation, but is meaningfully constrained by volatile/previously negative cash flows and increasing leverage. Weak technical momentum further drags the overall rating.
Positive Factors
High and consistent profitability
Aptus reports persistently high net and operating margins, indicating strong lending spreads and cost control. Sustained margin levels support durable internal profitability, fund reinvestment into branches and credit efforts, and underpin return-on-equity even as the loan book expands.
Negative Factors
Volatile, multi-year weak cash generation
Multi-year negative operating and free cash flows indicate poor cash conversion despite reported profits, creating reliance on external funding to support growth. Such volatility raises refinancing and liquidity risk, reduces financial flexibility, and can force higher-cost borrowing or equity raises in stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
High and consistent profitability
Aptus reports persistently high net and operating margins, indicating strong lending spreads and cost control. Sustained margin levels support durable internal profitability, fund reinvestment into branches and credit efforts, and underpin return-on-equity even as the loan book expands.
Read all positive factors
Aptus Value Housing Finance India Limited (APTUS) vs. iShares MSCI India ETF (INDA)
Market Cap
₹129.39B
Dividend Yield1.76%
Average Volume (3M)258.39K
Price to Earnings (P/E)13.1
Beta (1Y)1.04
Revenue Growth20.54%
EPS Growth23.05%
CountryIN
Employees3,807
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)19.68
Shares Outstanding500,817,750
10 Day Avg. Volume616,776
30 Day Avg. Volume258,391
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)21.74
Revenue Forecast (FY)₹18.83B
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
Neutral
246.50
Price Trends
270.86
Negative
266.53
Negative
260.53
Negative
Market Momentum
-3.24
Negative
46.02
Neutral
67.02
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 246.5 is below the 20-day moving average (MA) of 255.01, below the 50-day MA of 270.86, and below the 200-day MA of 260.53, indicating a neutral trend. The MACD of -3.24 indicates Negative momentum. The RSI at 46.02 is Neutral, neither overbought nor oversold. The STOCH value of 67.02 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹22.46B | 4.70 | ― | 2.37% | 4.35% | 3.85% | |
64 Neutral | ₹103.37B | 15.07 | ― | ― | 13.18% | 16.88% | |
62 Neutral | ₹129.39B | 13.14 | ― | 1.76% | 20.54% | 23.05% | |
61 Neutral | ₹211.76B | 18.46 | ― | ― | 18.04% | 19.18% | |
59 Neutral | ₹126.53B | 21.63 | ― | 0.42% | 21.42% | 25.43% | |
58 Neutral | ₹107.41B | 9.51 | ― | 1.86% | 8.20% | 28.17% | |
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
256.30
-82.94
-24.45%
IN:AADHARHFC
Aadhar Housing Finance Ltd
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IN:AAVAS
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805.25
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IN:HOMEFIRST
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1,234.65
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IN:REPCOHOME
Repco Home Finance Ltd.
358.50
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0.46%
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...
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.