Aptus Value Housing Finance India Ltd
Ticker: APTUS
Decent
68/100
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Investing Reference
Price
309.35
Market Cap
15487.92
Debt/Equity
1.5922
ROE %
18.585
PB
3.5880
Promoter %
40.367
Pledge %
19.235
1Y Rev Growth %
27.619
5Y Rev Growth %
27.985
NP Margin %
41.773
NP Margin 5Y Avg %
42.835
Trading Reference
1M Return %
-6.703
6M Return %
-0.690
1Y Return %
-19.177
% Away 52W High
26.733
% Away 52W Low
15.451
Daily Volume
502491
Investment Verdict
Risky
Score 55/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 16/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Aptus Value Housing Finance India Ltd is currently trading near a key support level, with the 50-day EMA indicating potential upward momentum. However, resistance is observed at higher levels, suggesting a cautious outlook. If the stock breaks above resistance, it could see significant gains, while a drop below support may lead to losses.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Aptus Value Housing Finance India Ltd is a leading housing finance company dedicated to providing affordable home loan solutions to low and middle-income families in India. With a strong focus on customer service and financial inclusion, Aptus aims to empower individuals to achieve their dream of home ownership. The company’s robust underwriting process and personalized approach ensure that clients receive tailored financial products that suit their needs.
- Focused on affordable housing finance
- Caters to low and middle-income families
- Strong customer service ethos
- Robust underwriting and risk management
- Promotes financial inclusion in India
Investment Thesis
Aptus Value Housing Finance presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. The company is well-positioned to capitalize on the expanding housing finance market in India.
- Strong backing from a credible promoter group ensures stability and strategic vision.
- Significant growth potential in digital services enhances customer engagement and operational efficiency.
- Attractive valuation metrics compared to industry peers make it an appealing buy.
- Focus on affordable housing aligns with government initiatives, driving demand.
- Consistent financial performance and low NPA ratios indicate sound risk management.
Opportunity vs Risk
Opportunities
- Growing housing demand in India
- Government support for affordable housing
- Strong loan growth potential
- Rising middle-class income levels
Risks ⚠️
- High competition in housing finance
- Economic slowdown impact on loans
- Regulatory changes affecting operations
- Rising interest rates pressure
Peer Perspective
Aptus Value Housing Finance trades at a premium compared to peers like HDFC and LIC Housing Finance. A stable margin and consistent growth acceleration will be crucial for a potential rerating in its valuation.
Future Outlook
Aptus Value Housing Finance is well-positioned for growth, driven by increasing demand in the housing sector. However, successful execution and stringent cost control will be crucial to fully capitalize on these opportunities.
AI FAQs for Retail Users
- Q: What does Aptus Value Housing Finance do?A: Aptus Value Housing Finance provides home loans and financial services to customers in India.
- Q: Is Aptus Value Housing a good investment?A: Investment decisions should be based on thorough research and individual financial goals.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, regulatory changes, and company performance.
- Q: How can I buy shares of Aptus Value Housing?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the company's growth strategy?A: Aptus focuses on expanding its customer base and enhancing service offerings in the housing finance sector.
📊 Stock Investment Checklist (100 Points)
Aptus Value Housing Finance India Ltd • Updated: 2025-09-16 19:33:30
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10BusinessHighThe housing finance sector is growing, but competition is intense.
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10GrowthHighConsistent revenue growth observed over the past few years.
-
10ProfitabilityHighROE and ROCE are decent, but OCF is slightly lower than net profit.
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8ValuationHighP/E and P/B ratios are above industry average, indicating potential overvaluation.
-
7BalanceHighDebt/equity ratio is manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is strong, but some pledging exists.
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5DriversGoodGrowth drivers are present, but execution risks remain.
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5TechnicalsGoodMarket sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Aptus Value Housing Finance shows potential for growth, but faces challenges in valuation and execution risks.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100