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Aptus Value Housing Finance India Limited
(APTUS)
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Rating:62Neutral
Price Target:
₹211.00
▼(-14.40% Downside)
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
Revenue Growth
Sustained revenue scaling indicates that Aptus is expanding its lending franchise and increasing the size of its earning-asset base. Continued growth in a focused retail housing-finance model can support operating leverage, broaden customer reach, and provide a durable foundation for future earnings.
Negative Factors
Rising Leverage
The sharp increase in debt relative to equity raises Aptus’s financial sensitivity to tighter credit conditions and higher funding costs. Greater leverage can reduce balance-sheet flexibility, constrain future capital allocation, and make maintaining growth more dependent on continued access to financing.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained revenue scaling indicates that Aptus is expanding its lending franchise and increasing the size of its earning-asset base. Continued growth in a focused retail housing-finance model can support operating leverage, broaden customer reach, and provide a durable foundation for future earnings.
Read all positive factors
Aptus Value Housing Finance India Limited (APTUS) vs. iShares MSCI India ETF (INDA)
Market Cap
₹100.37B
Dividend Yield2.25%
Average Volume (3M)204.63K
Price to Earnings (P/E)10.2
Beta (1Y)1.10
Revenue Growth20.54%
EPS Growth23.05%
CountryIN
Employees3,807
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)19.68
Shares Outstanding500,830,230
10 Day Avg. Volume94,360
30 Day Avg. Volume204,626
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)21.72
Revenue Forecast (FY)₹18.80B
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 (NII), i.e., the spread between (1) interest income earned on its loan portfolio (mainly retail home loans and related property-backed loans) and (2) interest expense paid on its borrowings. ...
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 | 16.35B | 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 | 4.47B | 4.44B |
| 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
235.59
Negative
254.70
Negative
251.07
Negative
Market Momentum
-10.96
Positive
30.63
Neutral
23.84
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 246.5 is above the 20-day moving average (MA) of 214.34, above the 50-day MA of 235.59, and below the 200-day MA of 251.07, indicating a bearish trend. The MACD of -10.96 indicates Positive momentum. The RSI at 30.63 is Neutral, neither overbought nor oversold. The STOCH value of 23.84 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
64 Neutral | ₹88.28B | 12.50 | ― | ― | 12.03% | 16.64% | |
63 Neutral | ₹97.46B | 8.46 | ― | 2.05% | 7.90% | 25.13% | |
63 Neutral | ₹110.40B | 17.88 | ― | 0.49% | 19.19% | 26.51% | |
62 Neutral | ₹100.37B | 10.18 | ― | 2.25% | 20.54% | 23.05% | |
61 Neutral | ₹192.67B | 16.74 | ― | ― | 18.04% | 19.18% | |
60 Neutral | ₹19.48B | 4.09 | ― | 1.61% | 4.35% | 3.85% | |
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
200.40
-106.96
-34.80%
IN:AADHARHFC
Aadhar Housing Finance Ltd
439.50
-74.20
-14.44%
IN:AAVAS
Aavas Financiers Ltd.
1,113.30
-566.95
-33.74%
IN:CANFINHOME
Can Fin Homes Ltd.
731.90
-128.59
-14.94%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,055.80
-146.73
-12.20%
IN:REPCOHOME
Repco Home Finance Ltd.
311.40
-99.42
-24.20%
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.