Aptus Value Housing Finance India Ltd.
NSE: APTUSAptus Value Housing Finance India Ltd.: A 30-second snapshot
Aptus Value Housing Finance trades at a PE of 13.86 (forward 10.06) with ROE of 20.11%, a profit margin of 61.47%, and 5-year earnings growth of 25.9%; the quarter ended June 2026 saw net profit rise 19% YoY to Rs 261 crore. Price (Rs 277.2) sits above both the 50-DMA (Rs 274.73) and 200-DMA (Rs 265.68) after an 8.03% 3-month recovery, but is still down 16.99% over the past 12 months and 22.61% below its 52-week high. Mean analyst rating is 1.41 across 17 analysts on a 1-5 scale where lower is more constructive.
P/E
13.9
Forward P/E
10.1
ROE
+20.1%
Debt / Equity
156.20
Profit Margin
+61.5%
Div. Yield
+1.8%
5Y ROE > 15%
4/5
5Y FCF > 0
0/5
Quality
77/100
News
8 headlines · 4 positive · 0 negative
Aptus Value Housing Finance reports 19% increase in net profit at ₹261 crore - BusinessLine
BusinessLine
Aptus Value Housing Finance India consolidated net profit rises 19.01% in the June 2026 quarter - Business Standard
Business Standard
Aptus Value Housing Finance's net profit rises 19% to ₹261 crore in Q1 FY27 - ET Realty
ET Realty
Aptus Value Housing Finance India (APTUS) Q4 24/25 earnings summary - Quartr
Quartr
Aptus Value Housing files BRSR for FY 2025-26 - scanx.trade
scanx.trade
Recent context
- ·Net profit for the quarter ended June 2026 rose 19% YoY to Rs 261 crore, reported July 31, 2026 across BusinessLine, Business Standard and ET Realty.
- ·The company filed its Business Responsibility and Sustainability Report (BRSR) for FY 2025-26 on July 13, 2026.
- ·The stock has moved back above both its 50-DMA and 200-DMA over the past 3 months (+8.03%), while remaining 22.61% below its 52-week high.
Strengths
- +ROE of 20.11%, with ROE above 15% in 4 of the last 5 years and a profit margin of 61.47%.
- +5-year revenue growth of 21.7% and earnings growth of 25.9%; the June-2026 quarter saw net profit rise 19% YoY to Rs 261 crore.
- +Ranks 1st of 6 peers on both ROE and quality score (72/100), and 2nd of 6 on PE (13.86), within the sector peer set used here.
- +News flow over the last 8 stories is entirely positive/neutral (4 positive, 4 neutral, 0 negative), with no negative coverage in the sample.
Weaknesses
- −Zero of the last 5 years show positive free cash flow, alongside a debt-to-equity of 156.2% and a debt trend marked 'rising', reflecting continued reliance on external borrowing to fund loan-book growth.
- −Stock is down 16.99% over the trailing 12 months and remains 22.61% below its 52-week high, despite a recent 8.03% 3-month recovery.
- −The comparison peer set (Axis Bank, HDFC Bank, Bajaj Finance, Bajaj Finserv, HDFC Life) is made up of large universal banks, an NBFC and an insurer rather than housing-finance-specific comparables, limiting the reliability of direct metric comparison.
- −Peer priceChange1Y data is unavailable for all 5 sector peers, so relative price-performance ranking within the peer set could not be computed.
Open questions
- ?Does the absence of a positive-FCF year across the last 5 years reflect the standard funding pattern of a housing-finance NBFC's loan-book growth, or a widening gap between disbursements and internal cash generation?
- ?What explains the 16.99% 12-month price decline given that earnings, margins and quarterly profit growth have continued to improve over the same period?
- ?How comparable is Aptus's affordable-housing-finance model to the large universal banks, NBFC and insurer it is benchmarked against in this peer set?
- ?With price currently between the Rs 274.85 support and Rs 277.95 resistance level, what would a sustained move through either level suggest about how the recent earnings recovery is being priced in?
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 | 13.9 | +20.1% | 72 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹277.20
SMA 50
₹274.73
SMA 200
₹265.68
RSI (14)
44.5 (neutral)
From 52w high
-22.6%
1Y return
-17.0%
3M return
+8.0%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumZero of the last 5 years show positive free cash flow, and the debt trend is marked 'rising' against a debt-to-equity of 156.2%. This pattern is common to housing-finance NBFCs, whose loan disbursements are funded by continued external borrowing, but the combination of a rising debt trend with no FCF-positive year in the window means growth remains dependent on uninterrupted access to wholesale funding.
- lowThe stock is down 16.99% over the trailing 12 months and sits 22.61% below its 52-week high, even though price (Rs 277.2) currently trades above both the 50-DMA (Rs 274.73) and 200-DMA (Rs 265.68) following an 8.03% 3-month recovery.
- lowThe peer set used for sector ranking (Axis Bank, HDFC Bank, Bajaj Finance, Bajaj Finserv, HDFC Life) consists of large universal banks, an NBFC and an insurer rather than housing-finance-specific comparables. Aptus's profit margin of 61.47% is far above any listed peer, reflecting a structurally different business mix, which limits how directly PE/ROE/quality-score rankings can be read across this set.
- lowpriceChange1Y is null for all 5 sector peers in the dataset, so the peer-relative price-performance ranking could not be computed for this section.
Cross-section contradictions
- Sector ranking places Aptus 1st of 6 peers on ROE (20.11%) and quality score (72), and 2nd of 6 on PE (13.86), with 5-year earnings growth of 25.9%, yet the stock is down 16.99% over the trailing 12 months and remains 22.61% below its 52-week high.
- News flow across the last 8 stories is entirely positive/neutral (4 positive, 4 neutral, 0 negative), including a 19% YoY net-profit increase reported July 31, 2026, yet the stock's 12-month price change is -16.99%.
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 12 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 31 Jul 2026 · rotates through NIFTY 500 every ~5 days