Aptus Value Housing Finance India Ltd
Ticker: APTUS
Decent
68/100
☆ Add to Watchlist
Investing Reference
Price
317.60
Market Cap
15900.97
Debt/Equity
1.5922
ROE %
18.585
PB
3.6836
Promoter %
23.872
Pledge %
19.207
1Y Rev Growth %
27.619
5Y Rev Growth %
27.985
NP Margin %
41.773
NP Margin 5Y Avg %
42.835
Trading Reference
1M Return %
-2.374
6M Return %
-0.703
1Y Return %
-10.711
% Away 52W High
14.610
% Away 52W Low
18.530
Daily Volume
2603876
Investment Verdict
Risky
Score 53/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 15/100 · 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.
Summary
Aptus Value Housing Finance shows strong growth potential in the affordable housing segment.
✅ Positives
- Robust loan book growth year-on-year
- Strong asset quality with low NPAs
- Expanding presence in underserved markets
⚠️ Negatives
- High competition in the housing finance sector
- Interest rate fluctuations may impact margins
- Dependence on economic cycles for growth
Verdict
Aptus is well-positioned for growth despite challenges.
Recommendation: Consider buying for long-term gains.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 30/10/2025
More Options
G
Gallantt Ispat Ltd
Gallantt Ispat Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
View details
T
Tbo Tek Ltd
Tbo Tek Ltd shows potential in a growing sector, but faces challenges in profitability and market sentiment.
View details
A
Afcons Infrastructure Ltd
Afcons Infrastructure Ltd shows potential for growth in a favorable sector, but faces challenges in profitability and execution risks.
View details
N
Netweb Technologies India Ltd
Netweb Technologies India Ltd shows potential for growth but faces challenges in profitability and valuation. Investors should be cautious.
View details
G
Godawari Power and Ispat Ltd
Godawari Power and Ispat Ltd shows potential in a future-ready sector but faces challenges in growth consistency and market sentiment.
View details
I
Ircon International Ltd
Ircon International Ltd shows potential for growth in a favorable sector, but faces challenges in execution and liquidity.
View details
B
Bata India Ltd
Bata India Ltd shows decent fundamentals with growth potential, but faces challenges in profitability and valuation metrics.
View details
P
PG Electroplast Ltd
PG Electroplast Ltd shows potential in a growing sector, but faces challenges in consistent growth and profitability metrics.
View details
Z
Zydus Wellness Ltd
Zydus Wellness Ltd shows decent potential with consistent growth and profitability metrics, but faces competitive pressures and execution risks.
View details
V
V Guard Industries Ltd
V Guard Industries Ltd shows potential for growth in a competitive sector, but faces challenges in profitability and valuation metrics.
View details
L
LT Foods Ltd
LT Foods Ltd shows potential in a growing sector but faces significant risks and inconsistencies in growth and profitability.
View details
I
International Gemmological Institute (India) Ltd
The company operates in a niche market with potential but faces significant challenges in growth and profitability metrics.
View details
C
Craftsman Automation Ltd
Craftsman Automation Ltd shows potential for growth with a decent financial track record, but investors should be cautious of execution risks and liquidity issues.
View details
L
LMW Ltd
LMW Ltd shows potential but faces challenges in growth consistency and valuation, making it a cautious investment.
View details
F
Five-Star Business Finance Ltd
Five-Star Business Finance Ltd shows potential for growth but faces challenges in profitability and valuation. Investors should be cautious.
View details
S
Syrma SGS Technology Ltd
Syrma SGS Technology Ltd shows potential for growth with a solid business model and profitability metrics, but caution is advised due to valuation and governance concerns.
View details
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
-
10BusinessHighThe housing finance sector is growing, but competition is intense.
-
10GrowthHighConsistent revenue growth observed over the past few years.
-
10ProfitabilityHighROE and ROCE are decent, but OCF is slightly lower than net profit.
-
8ValuationHighP/E and P/B ratios are above industry average, indicating potential overvaluation.
-
7BalanceHighDebt/equity ratio is manageable, but liquidity could be improved.
-
6GovernanceGoodPromoter holding is strong, but some pledging exists.
-
5DriversGoodGrowth drivers are present, but execution risks remain.
-
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