Aptus Value Housing Finance India Ltd.
NSE: APTUSAptus Value Housing Finance India Ltd.: A 30-second snapshot
Aptus Value Housing Finance India is a small-ticket affordable housing lender focused on self-employed borrowers in semi-urban and rural markets, with a 5-year revenue CAGR of 26% and earnings CAGR of 23.9%. At 264.45, the stock trades below its 200-DMA of 280.43 and is down 15.37% over 12 months, a 26.17% drawdown from the 52-week high. Trailing PE stands at 14.04 with a forward PE of 10.27, while a profit margin of 60.89% reflects the interest-income-heavy housing finance model.
P/E
14.0
Forward P/E
10.3
ROE
—
Debt / Equity
157.02
Profit Margin
+60.9%
Div. Yield
+1.7%
5Y ROE > 15%
4/5
5Y FCF > 0
0/5
Quality
72/100
News
8 headlines · 4 positive · 0 negative
Jefferies, Axis and HDFC Securities maintain a positive view on Aptus Value Housing Finance; here's why - Mint
Mint
Aptus Value Housing Finance India consolidated net profit rises 26.04% in the March 2026 quarter - Business Standard
Business Standard
Aptus Value Housing Finance India Limited Declares Second Interim Dividend for the Financial Year 2025-26 - marketscreener.com
marketscreener.com
Aptus Value Housing Finance India Limited Approves Issuance of Non-Convertible Debentures Up to INR 30,000 Million by Private Placement - marketscreener.com
marketscreener.com
Aptus Value Housing Finance Schedules Investor Meeting with Nippon India Mutual Fund on May 14, 2026 - scanx.trade
scanx.trade
Recent context
- ·Q4 FY26 consolidated net profit rose 26.04% YoY; the company also declared a second interim dividend for FY2025-26 and approved issuance of non-convertible debentures up to 3,000 crore rupees by private placement, all reported in early May 2026.
- ·Jefferies, Axis Capital, and HDFC Securities each maintained a constructive view on APTUS following the Q4 results, citing the company's asset quality and growth trajectory in the affordable-housing segment.
- ·An investor meeting with Nippon India Mutual Fund was scheduled for 14 May 2026; mean analyst rating stands at 1.41 across 17 analysts on a 1-5 scale, where lower values indicate a more constructive stance.
Strengths
- +5-year revenue growth of 26% and earnings growth of 23.9% demonstrate consistent loan-book expansion; Q4 FY26 net profit rose 26.04% YoY, sustaining the compounding trajectory across multiple years.
- +Profit margin of 60.89% is high relative to diversified financial peers, reflecting Aptus's focus on self-employed housing loans where spreads are wider than conventional mortgage segments.
- +Quality score of 65 out of 100 ranks first among the 6-stock peer group, ahead of AXISBANK at 53, BAJFINANCE at 53, HDFCBANK at 47, BAJAJFINSV at 23, and HDFCLIFE at 20, indicating relatively stronger composite fundamentals within this comparison set.
- +Trailing PE of 14.04 is the lowest in the peer group (HDFCBANK 17.12, AXISBANK 14.73, BAJFINANCE 29.85, BAJAJFINSV 28.33, HDFCLIFE 68.47); forward PE of 10.27 implies earnings growth is expected to continue compressing into the current valuation.
Weaknesses
- −Price has declined 15.37% over 12 months and remains 26.17% below the 52-week high, with the stock sitting below its 200-DMA of 280.43, indicating the medium-term price trend has not recovered despite earnings growth.
- −FCF-positive years stand at 0 of 5; as a housing finance company Aptus continuously deploys capital into loan origination, meaning growth is funded entirely by external borrowing and creates sensitivity to wholesale funding-cost cycles.
- −Debt-to-equity of 157.02 with a rising debt trend is inherent to the NBFC model, but sustained leverage growth in a rate-tightening or credit-stress environment would compress net interest margins and increase refinancing risk.
- −ROE data is unavailable, preventing direct capital-efficiency comparison against peers whose ROE ranges from 11.28% to 17.91%; the missing metric limits full assessment of returns on the equity base.
Open questions
- ?Does Aptus's 26% revenue CAGR reflect durable market-share gains in the affordable-housing segment, or is it partly explained by the overall credit-cycle expansion in semi-urban India over the same period?
- ?With a D/E of 157.02 and a rising debt trend, how sensitive is the loan-book growth rate to a 50 to 100 basis-point increase in wholesale borrowing costs, and what has been the historical NIM compression in prior rate-rising cycles?
- ?The stock has declined 15.37% over 12 months while earnings grew 26%: what specific sector-level or company-specific concerns have driven the PE compression, and are those concerns reflected in the forward PE of 10.27?
- ?Given that APTUS serves self-employed borrowers in Tier 2 and Tier 3 markets, what is the trend in gross NPA ratios over the past 4 to 6 quarters, and how does it compare to peers operating in similar credit segments?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| APTUS | Aptus Value Housing Finance India Ltd.You're viewing | 14.0 | — | 65 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹264.45
SMA 50
₹234.55
SMA 200
₹280.43
RSI (14)
57.7 (neutral)
From 52w high
-26.2%
1Y return
-15.4%
3M return
+3.4%
50-DMA
Above
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumDebt-to-equity of 157.02 reflects the structural leverage model of a housing finance NBFC; however, the debt trend is marked as rising, and FCF-positive years stand at 0 of 5. Continuous dependence on external wholesale borrowing to fund loan-book growth means any tightening in funding markets would directly constrain disbursements.
- mediumPrice is 15.37% lower than one year ago and remains below the 200-DMA at 280.43 versus the current price of 264.45, a level not reclaimed. The 52-week drawdown stands at -26.17%, indicating sustained downward pressure from the yearly high despite a modest 3-month recovery of +3.40%.
- lowROE data is unavailable for APTUS. Peers in the Banking/NBFC sector report ROE in the range of 11.3% to 17.9%; without APTUS ROE, relative capital-efficiency positioning cannot be assessed. Quality score of 65/100 is the highest among the 6-stock peer set but the ROE gap is a material data limitation.
- lowAPTUS is grouped with large universal banks and diversified financials; its PE of 14.04 ranks lowest among 6 peers, but the business model of affordable housing finance to self-employed borrowers is structurally distinct, making direct metric comparisons of limited reliability.
Cross-section contradictions
- Net profit rose 26.04% YoY in Q4 FY26 and 5-year earnings CAGR stands at 23.9%, yet the stock is down 15.37% over 12 months and 26.17% below its 52-week high, indicating sustained earnings compounding has not translated into price appreciation over the past year.
- News sentiment is entirely positive or neutral (4 positive, 4 neutral, 0 negative), driven by strong quarterly results and dividend announcements, yet the stock remains below its 200-DMA for an extended period, indicating price and news flow are pointing in opposite directions.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days