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Last Updated: April 2, 2026, 4:06 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 543335 | NSE: APTUS

Aptus Value Housing Finance India Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹162.66Overvalued by 20.26%vs CMP ₹204.00

P/E (11.5) × ROE (18.6%) × BV (₹93.00) × DY (2.21%)

₹206.62Fairly Valued by 1.28%vs CMP ₹204.00
MoS: +1.3% (Thin)Confidence: 43/100 (Low)Models: 2 Under, 2 Fair, 4 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹193.5726%Fair (-5.1%)
Graham NumberEarnings₹192.8919%Fair (-5.4%)
DCFCash Flow₹273.7812%Under (+34.2%)
Net Asset ValueAssets₹93.148%Over (-54.3%)
EV/EBITDAEnterprise₹152.1410%Over (-25.4%)
Earnings YieldEarnings₹177.808%Over (-12.8%)
ROCE CapitalReturns₹454.6610%Under (+122.9%)
Revenue MultipleRevenue₹35.006%Over (-82.8%)
Consensus (8 models)₹206.62100%Fairly Valued
Key Drivers: Wide model spread (₹35–₹455) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 19.0%

*Investments are subject to market risks

Investment Snapshot

72
Aptus Value Housing Finance India Ltd scores 72/100 (Strong)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health66/100 · Strong
ROCE 15.0% GoodROE 18.6% ExcellentD/E 1.27 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money85/100 · Strong
FII holding up 5.45% (6mo) AccumulatingDII holding up 17.41% MF buyingPromoter holding at 23.9% Stable
Earnings Quality65/100 · Strong
OPM expanding (82% → 85%) Improving
Quarterly Momentum90/100 · Strong
Revenue (4Q): +28% YoY AcceleratingProfit (4Q): +26% YoY Strong
Industry Rank60/100 · Moderate
P/E 11.5 vs industry 9.1 In-lineROCE 15.0% vs industry 48.2% Below peersROE 18.6% vs industry 13.3% Above peers3Y sales CAGR: 29% High growth

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:06 am

Market Cap 10,200 Cr.
Current Price 204
Intrinsic Value₹206.62
High / Low 365/193
Stock P/E11.5
Book Value 93.0
Dividend Yield2.21 %
ROCE15.0 %
ROE18.6 %
Face Value 2.00
PEG Ratio0.61

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Aptus Value Housing Finance India Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Aptus Value Housing Finance India Ltd 10,200 Cr. 204 365/19311.5 93.02.21 %15.0 %18.6 % 2.00
Home First Finance Company India Ltd 9,916 Cr. 950 1,519/83920.0 3860.39 %11.4 %16.5 % 2.00
Can Fin Homes Ltd 10,843 Cr. 814 972/61511.1 4101.47 %9.34 %18.2 % 2.00
Indiabulls Housing Finance Ltd 8,279 Cr. 167209/1156.77 2680.76 %10.1 %6.55 % 2.00
Repco Home Finance Ltd 2,276 Cr. 364 464/3155.19 5571.24 %11.1 %14.2 % 10.0
Industry Average9,117.50 Cr364.069.06331.841.21%48.21%13.33%5.64

All Competitor Stocks of Aptus Value Housing Finance India Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 286299306334351375395421450484520544554
Expenses 47554556596161686775819199
Operating Profit 239243260277293313334353383409439453455
OPM % 83%82%85%83%83%84%85%84%85%84%84%83%82%
Other Income 912101113131014915101015
Interest 7778859698109120128143150160165162
Depreciation 2223223333333
Profit before tax 168176183190205215222237246271286294304
Tax % 25%23%22%22%23%24%23%23%22%24%23%23%22%
Net Profit 126135142148158164172182190207219227236
EPS in Rs 2.522.722.862.973.163.293.443.643.814.144.394.534.72

Last Updated: March 3, 2026, 12:21 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 8:46 pm

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 1262013255006408151,0931,3651,7502,102
Expenses 32476786101144196218270346
Operating Profit 941542584145396708971,1471,4801,756
OPM % 74%77%79%83%84%82%82%84%85%84%
Other Income 031323192640444850
Interest 3653115185207209277389542638
Depreciation 223667791213
Profit before tax 561011532473454806547939751,155
Tax % 34%34%27%15%23%23%23%23%23%
Net Profit 3767112211267370503612751889
EPS in Rs 4.738.4914.1822.7428.777.4510.1012.2615.0317.78
Dividend Payout % -0%-0%-0%-0%-0%-0%20%37%30%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)81.08%67.16%88.39%26.54%38.58%35.95%21.67%22.71%
Change in YoY Net Profit Growth (%)0.00%-13.92%21.23%-61.85%12.04%-2.63%-14.28%1.04%

Aptus Value Housing Finance India Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:%
5 Years:28%
3 Years:29%
TTM:29%
Compounded Profit Growth
10 Years:%
5 Years:29%
3 Years:27%
TTM:25%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:-2%
1 Year:0%
Return on Equity
10 Years:%
5 Years:17%
3 Years:17%
Last Year:19%

Last Updated: September 5, 2025, 2:21 pm

Balance Sheet

Last Updated: March 3, 2026, 12:30 am

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 797979959599100100100100
Reserves 4425066201,6141,8852,8173,2403,6684,2174,557
Borrowings 3068401,6032,0222,5152,7283,7965,2006,8737,313
Other Liabilities 18406116263941375454
Total Liabilities 8451,4652,3623,7474,5205,6847,1769,00511,24312,024
Fixed Assets 54410101215223538
CWIP -0-0-0-0-0-0-0-0-0-0
Investments 145-0-053102515153240
Other Assets 8401,4162,3583,7374,4585,5707,1108,93111,15611,745
Total Assets 8451,4652,3623,7474,5205,6847,1769,00511,24312,024

Reserves and Borrowings Chart

Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -303-495-714-735-621-724-1,047-1,356-1,405
Cash from Investing Activity + 280-9765-6211121-90
Cash from Financing Activity + 3005347641,2094957689781,2241,461
Net Cash Flow -14751377-61-1842-111-34
Free Cash Flow -303-498-717-737-622-727-1,050-1,361-1,412
CFO/OP -306%-303%-262%-164%-100%-90%-99%-102%-80%

Free Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-212.00-686.00257.00412.00537.00668.00894.00-4.00-5.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 000000000
Inventory Days
Days Payable
Cash Conversion Cycle 000000000
Working Capital Days -14-56-18-9-7-7-1-35
ROCE %14%14%14%13%14%15%15%15%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 62.21%62.21%62.13%62.10%61.10%54.09%53.90%52.99%52.99%40.37%23.87%23.86%
FIIs 14.06%14.15%14.83%15.42%19.58%22.81%22.45%21.86%27.74%30.41%35.36%33.19%
DIIs 2.59%2.96%2.78%5.21%5.11%9.14%9.48%9.68%9.88%16.04%25.87%27.29%
Public 21.15%20.68%20.27%17.28%14.22%13.96%14.16%15.47%9.40%13.19%14.89%15.65%
No. of Shareholders 1,31,3651,38,4921,36,9881,42,1171,29,4151,30,2891,53,1091,64,3871,55,2701,64,7521,60,7411,66,729

Shareholding Pattern Chart

No. of Shareholders

Aptus Value Housing Finance India Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
SBI Conservative Hybrid Fund 3,044 0.31 13712.961,371,2962025-11-03 00:20:46-99.78%
SBI Small Cap Fund 19,532,794 1.36 476.619,532,7942025-04-22 14:12:240%
SBI Multicap Fund 10,675,139 1.14 260.4710,675,1392025-04-22 14:59:340%
Kotak Small Cap Fund 9,829,154 1.42 239.839,569,2222026-01-24 23:34:212.72%
ICICI Prudential Banking and Financial Services 8,901,375 2 217.195,705,9712026-03-23 05:21:4556%
SBI Banking & Financial Services Fund 7,435,950 1.69 181.443,366,2702025-11-03 00:20:46120.9%
SBI Flexicap Fund 7,066,720 0.74 172.43N/AN/AN/A
Axis Small Cap Fund 5,603,959 0.53 136.74N/AN/AN/A
Bandhan Small Cap Fund 3,992,360 0.48 97.412,965,0412026-03-23 05:21:4534.65%
Quant Small Cap Fund 3,649,318 0.32 89.04N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 15.0412.2710.117.585.56
Diluted EPS (Rs.) 15.0112.2710.087.535.55
Cash EPS (Rs.) 15.2712.4510.247.585.74
Book Value[Excl.RevalReserv]/Share (Rs.) 86.3675.5267.0558.6841.70
Book Value[Incl.RevalReserv]/Share (Rs.) 86.3675.5267.0558.6841.70
Revenue From Operations / Share (Rs.) 35.0227.3621.9516.3913.41
PBDIT / Share (Rs.) 30.5623.8618.8113.9911.74
PBIT / Share (Rs.) 30.3223.6718.6713.8611.62
PBT / Share (Rs.) 19.5015.9013.139.667.27
Net Profit / Share (Rs.) 15.0312.2610.107.455.62
NP After MI And SOA / Share (Rs.) 15.0312.2610.107.455.62
PBDIT Margin (%) 87.2687.1985.6885.3387.54
PBIT Margin (%) 86.5786.5085.0284.5286.64
PBT Margin (%) 55.6958.0959.7958.9254.20
Net Profit Margin (%) 42.9144.8246.0045.4341.93
NP After MI And SOA Margin (%) 42.9144.8246.0045.4341.93
Return on Networth / Equity (%) 17.4016.2315.0612.6913.48
Return on Capital Employeed (%) 34.9631.2324.8520.6322.79
Return On Assets (%) 6.686.797.006.515.90
Long Term Debt / Equity (X) 0.000.000.110.140.21
Total Debt / Equity (X) 1.591.381.130.931.27
Asset Turnover Ratio (%) 0.170.160.150.140.13
Current Ratio (X) 1.621.712.082.412.14
Quick Ratio (X) 1.621.712.082.412.14
Dividend Payout Ratio (NP) (%) 29.9032.5819.800.000.00
Dividend Payout Ratio (CP) (%) 29.4332.0919.520.000.00
Earning Retention Ratio (%) 70.1067.4280.200.000.00
Cash Earning Retention Ratio (%) 70.5767.9180.480.000.00
Interest Coverage Ratio (X) 2.833.073.403.332.70
Interest Coverage Ratio (Post Tax) (X) 2.392.582.822.772.29
Enterprise Value (Cr.) 21172.6120241.5715448.1119169.900.00
EV / Net Operating Revenue (X) 12.1014.8314.1323.530.00
EV / EBITDA (X) 13.8617.0116.4927.570.00
MarketCap / Net Operating Revenue (X) 8.4311.2911.0920.740.00
Retention Ratios (%) 70.0967.4180.190.000.00
Price / BV (X) 3.424.093.635.790.00
Price / Net Operating Revenue (X) 8.4311.2911.0920.740.00
EarningsYield 0.050.030.040.020.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Aptus Value Housing Finance India Ltd. is a Public Limited Listed company incorporated on 11/12/2009 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65922TN2009PLC073881 and registration number is 073881. Currently Company is involved in the business activities of Financial Leasing. Company's Total Operating Revenue is Rs. 1294.03 Cr. and Equity Capital is Rs. 99.96 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - HousingNo. 8B, Doshi Towers, 8th Floor, Chennai (Madras) Tamil Nadu 600010Contact not found
Management
NamePosition Held
Mr. M AnandanExecutive Chairman
Mr. P BalajiManaging Director
Mr. V G KannanIndependent Director
Ms. Mona KachhwahaIndependent Director
Mr. Anand RaghavanIndependent Director
Mr. Natarajan RamasubramanianIndependent Director
Mr. N V Subba RaoIndependent Director
Mr. Kanarath Payattiyath BalarajNominee Director
Mr. Sumir ChadhaNominee Director

FAQ

What is the intrinsic value of Aptus Value Housing Finance India Ltd and is it undervalued?

As of 12 April 2026, Aptus Value Housing Finance India Ltd's intrinsic value is ₹206.62, which is 1.28% higher than the current market price of ₹204.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (18.6 %), book value (₹93.0), dividend yield (2.21 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Aptus Value Housing Finance India Ltd?

Aptus Value Housing Finance India Ltd is trading at ₹204.00 as of 12 April 2026, with a FY2026-2027 high of ₹365 and low of ₹193. The stock is currently near its 52-week low. Market cap stands at ₹10,200 Cr..

How does Aptus Value Housing Finance India Ltd's P/E ratio compare to its industry?

Aptus Value Housing Finance India Ltd has a P/E ratio of 11.5, which is above the industry average of 9.06. The premium over industry average may reflect growth expectations or speculative interest.

Is Aptus Value Housing Finance India Ltd financially healthy?

Key indicators for Aptus Value Housing Finance India Ltd: ROCE of 15.0 % is moderate; ROE of 18.6 % shows strong shareholder returns. Dividend yield is 2.21 %.

Is Aptus Value Housing Finance India Ltd profitable and how is the profit trend?

Aptus Value Housing Finance India Ltd reported a net profit of ₹751 Cr in Mar 2025 on revenue of ₹1,750 Cr. Compared to ₹370 Cr in Mar 2022, the net profit shows an improving trend.

Does Aptus Value Housing Finance India Ltd pay dividends?

Aptus Value Housing Finance India Ltd has a dividend yield of 2.21 % at the current price of ₹204.00. This is a relatively attractive yield for income-seeking investors.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Aptus Value Housing Finance India Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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