Aptus Value Housing Finance India Limited (APTUS) Fair Value & Analysis
Financial Services · IN · Market cap ₹133B (≈ $1.4B) · ISIN INE852O01025
What is Aptus Value Housing Finance India Limited really worth?
A solid business, currently priced close to our fair value of ₹244.80.
Strengths
Risks
For context
Fair value as of: Aug 27, 2026
From 13 valuation models · updated 9 days ago
Share price −2.1% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- A fairly wide model range (₹183.60 to ₹463.64) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 27, 2026.
How to read this chart
60‑month range ₹192.77 – ₹378.10 · fair‑value band ₹183.60 – ₹463.64 · the ₹258.85 price screens above the ₹244.80 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 27, 2026.
Analysis
Aptus Value Housing Finance India Limited (APTUS) currently trades at ₹258.85, while our model-based Fair Value estimate is ₹244.80, implying the stock looks roughly 5.7% fairly valued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of ₹583.00 per share, and 6 of the 13 models we run sit above the ₹258.85 price. Bear case: the Asset-Based group reads lowest at ₹67.70, and 7 of the 13 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Aptus Value Housing Finance India Limited generated revenue of ₹15.4B at a net margin of 61.4%. Revenue grew 22.1% year over year. It earns a return on equity of 20.1%. Net debt stands at ₹73.1B. Fundamentals as of Aug 27, 2026
Our scenario range runs from ₹183.60 (bear case) to ₹463.64 (bull case); at ₹258.85, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 28% below its 52-week high and 35% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −19% fair-value upside, at −5%, APTUS screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹6.21 per share, which is 2.5 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 13 models by family
Widest divergence: Earnings-Based (₹583.00) versus Asset-Based (₹67.70). Highest evidence: Growth DCF (72).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 46
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions in India.
Full company description
Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions in India. The company offers home and quasi-home loans for the purchase, construction, renovation, and extension of houses; loans against property for construction and purchase of houses; and secured, small business, and refinance loans. It also provides life, credit shield, and property insurance products. The company serves individual homebuyers; low and middle income salaried and self-employed individuals; and first-time homeowners from rural and semi-urban markets. Aptus Value Housing Finance India Limited was incorporated in 2009 and is headquartered in Chennai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Aptus Value Housing Finance India Limited reported revenue of ₹22.5B in FY2026 versus ₹8.4B in FY2022, a compound +27.9%/yr. Reported net income was ₹9.4B in FY2026, compounding +26.3%/yr from FY2022.
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Peer Group
Mortgage Finance · 92 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Rocket Companies, Inc RKT | $13.03 | $8.26 | −37% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | −80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.06 | ₹39.96 | −52% |
| PennyMac Financial Services, Inc PFSI | $70.78 | $125.45 | +77% |
| UWM Holdings UWMC | $1.46 | $0.1600 | −89% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,169 | ₹1,143 | −2% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| Aadhar Housing Finance Limited AADHARHFC | ₹471.10 | ₹325.75 | −31% |
| Walker & Dunlop, Inc WD | $39.71 | $32.25 | −19% |
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