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INVESTMENT INSIGHTS

Check Before You Invest : Aptus Value Housing Finance India Ltd

BSE: 543335 NSE: APTUS ISIN: INE852O01025
  |   Sector:  BFSI   |   Industry:  Finance - Housing

Snapshot

Q.1 Which industry/sub-sector does Aptus Value Housing Finance India Ltd belong to?
Aptus Value Housing Finance India Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.
Q.2 Is Aptus Value Housing Finance India Ltd a good quality company?
Aptus Value Housing Finance India Ltd is a good quality company, based on a consistently good 10-year financial track record.
Q.3 Is Aptus Value Housing Finance India Ltd undervalued or overvalued?
Aptus Value Housing Finance India Ltd appears Undervalued, as its key valuation ratios are below with their past averages.
Q.4 Is Aptus Value Housing Finance India Ltd a good buy now?
Aptus Value Housing Finance India Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd Operating Income growth is 28.22% for FY-2025, which is below its 5-year CAGR of 28.46%, indicating slower growth.
Q.2 Return on Assets of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd Return on Asset is 7.4%, which is in line with its 5-year historical median of 7.4%, indicating stable earnings on assets.
Current Level 5-year
Historic Median
NPM% 42.92 44.82
PPOP% 23.39 34.62
RoA% 7.4 7.4
Q.3 Return on Equity (ROE) of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd Return on Equity is 18.6% for FY-2025, which is above its 5-year historical median of 16.1%, indicating the business is making better use of its shareholders capital.
Q.4 Pre-provisioning operating profit margin of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 23.39% for FY-2025, which is below its 5-year median(34.62%), indicating decreasing margins.
Q.5 Net Profit Margin of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 42.92% for FY-2025, which is below its 5-year median( 44.82%), indicating decreasing margins.
Q.6 Total Asset growth of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd Total Asset growth is 24.97% for FY-2025, which is above its 5-year CAGR of 24.62%, indicating faster growth.
Q.7 Capital Adequacy ratio of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd Capital Adequacy ratio (CAR) is 71.31% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.
Q.8 Asset Quality of Aptus Value Housing Finance India Ltd?
Aptus Value Housing Finance India Ltd Gross Non-Performing Assets, which are loans overdue by more than 90 days, is 1.19% for FY-2025, which is above its 5-year median 1.15%, while Net Non-Performing Assets, which is GNPA minus provisions made for bad loans is 0.88% which is above its 5-year median( 0.78%), indicating deteriorating asset quality.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Aptus Value Housing Finance India Ltd?
Promoters hold 23.87% of the Aptus Value Housing Finance India Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Aptus Value Housing Finance India Ltd vs Industry Peers?
Aptus Value Housing Finance India Ltd AUM CAGR is 24.62%, compared to the 5-year industry median CAGR of 4.02%, indicating faster growth and gaining its market share.
Q.2 Profit metrics (NPM, PPOP, RoA) of Aptus Value Housing Finance India Ltd vs industry peers
Aptus Value Housing Finance India Ltd profit metrics are above the industry median level of 10.39%, indicating stronger profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM% 42.92 17.47
PPOP% 23.39 11.85
RoA% 7.4 1.85
Q.3 Operating efficiency of Aptus Value Housing Finance India Ltd vs industry peers?
Aptus Value Housing Finance India Ltd ROCE (14.6) is above the industry median of (8.9); while the current ROE (16.1) are above than the 5-year average Industry ROE (13.55). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM% 42.92 17.47
PPOP% 23.39 11.85
RoA% 7.4 1.85
ROCE% 15.1 8.9
ROE% 18.6 13.55

Valuation & price assessment

Q.1 Stock return of Aptus Value Housing Finance India Ltd over the last decade?
Over the last 3 years, the stock has delivered a CAGR of 1.91% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price
CAGR		 - - 1.9% -18.6%
Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 14.67 26.79 14.89
Price to Book 2.67 3.93 1.26
Price to Sales 6.2 11.31 3.55
EV to EBITDA 10.25 16.39 10.70
Q.4 Valuation ratios of Aptus Value Housing Finance India Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 2.67% is lower than its historical median of 3.93%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?
Aptus Value Housing Finance India Ltd return on invested capital (ROIC) is 11.24% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 13.5%, indicating value erosion.

Check more companies

1. LIC Housing Finance
2. PNB Housing Finance
3. Aadhar Housing Fin
4. Sammaan Capital
5. Aptus Value Housing
6. Home First Finance
7. Can Fin Homes
8. Aavas Financiers
9. India Shelter Fin.
10. Repco Home Finance

Check trending companies

1. Force Motors Ltd.
2. KEI Industries Ltd.
3. Aadhar Housing Finance Ltd.
4. State Bank Of India
5. Power Finance Corporation Ltd.
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