Aptus Value Housing Finance India Limited

NSEI:APTUS Stock Report

Market Cap: ₹151.7b

Aptus Value Housing Finance India Valuation

Is APTUS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of APTUS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: APTUS (₹303.55) is trading above our estimate of fair value (₹176.43)

Significantly Below Fair Value: APTUS is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for APTUS?

Key metric: As APTUS is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for APTUS. This is calculated by dividing APTUS's market cap by their current earnings.
What is APTUS's PE Ratio?
PE Ratio22.5x
Earnings₹6.75b
Market Cap₹151.71b

Price to Earnings Ratio vs Peers

How does APTUS's PE Ratio compare to its peers?

The above table shows the PE ratio for APTUS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average17.7x
AADHARHFC Aadhar Housing Finance
21.9x20.4%₹182.4b
IIFL IIFL Finance
10.9x25.3%₹172.9b
AAVAS Aavas Financiers
24.7x20.4%₹131.8b
PNBHOUSING PNB Housing Finance
13.4x16.6%₹225.8b
APTUS Aptus Value Housing Finance India
22.5x18.8%₹151.7b

Price-To-Earnings vs Peers: APTUS is expensive based on its Price-To-Earnings Ratio (22.5x) compared to the peer average (17.7x).

Price to Earnings Ratio vs Industry

How does APTUS's PE Ratio compare vs other companies in the IN Diversified Financial Industry?

5 CompaniesPrice / EarningsEstimated GrowthMarket Cap
531310 Available Finance
2.6xn/aUS$40.57m
539946 Bazel International
3.7xn/aUS$1.75m
538863 Sri Amarnath Finance
3.1xn/aUS$941.06k
501111 Gold Rock Investments
0.1xn/aUS$106.82k
APTUS 22.5xIndustry Avg. 29.2xNo. of Companies19PE020406080100+
5 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: APTUS is good value based on its Price-To-Earnings Ratio (22.5x) compared to the Indian Diversified Financial industry average (29.2x).

Price to Earnings Ratio vs Fair Ratio

What is APTUS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

APTUS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio22.5x
Fair PE Ratio20.7x

Price-To-Earnings vs Fair Ratio: APTUS is expensive based on its Price-To-Earnings Ratio (22.5x) compared to the estimated Fair Price-To-Earnings Ratio (20.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst APTUS forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹303.55
₹396.53
+30.6%
10.8%₹450.00₹301.00n/a15
Dec ’25₹320.00
₹396.53
+23.9%
10.8%₹450.00₹301.00n/a15
Nov ’25₹351.50
₹386.36
+9.9%
11.3%₹450.00₹297.00n/a14
Oct ’25₹352.00
₹385.64
+9.6%
11.3%₹450.00₹297.00n/a14
Sep ’25₹327.95
₹383.36
+16.9%
11.4%₹450.00₹297.00n/a14
Aug ’25₹314.80
₹384.79
+22.2%
11.5%₹450.00₹297.00n/a14
Jul ’25₹344.25
₹383.79
+11.5%
11.7%₹450.00₹293.00n/a14
Jun ’25₹299.80
₹383.79
+28.0%
11.7%₹450.00₹293.00n/a14
May ’25₹327.05
₹394.62
+20.7%
10.1%₹450.00₹291.00n/a13
Apr ’25₹331.15
₹393.69
+18.9%
10.7%₹450.00₹281.00n/a13
Mar ’25₹334.15
₹393.69
+17.8%
10.7%₹450.00₹281.00n/a13
Feb ’25₹375.40
₹367.71
-2.0%
10.7%₹430.00₹270.00n/a14
Jan ’25₹330.10
₹352.54
+6.8%
11.6%₹430.00₹270.00n/a13
Dec ’24₹296.05
₹349.08
+17.9%
11.1%₹430.00₹270.00₹320.0013
Nov ’24₹286.15
₹340.54
+19.0%
12.7%₹430.00₹256.00₹351.5013
Oct ’24₹292.40
₹338.62
+15.8%
12.8%₹430.00₹256.00₹352.0013
Sep ’24₹268.40
₹333.82
+24.4%
13.5%₹430.00₹256.00₹327.9511
Aug ’24₹267.90
₹336.27
+25.5%
13.4%₹430.00₹256.00₹314.8011
Jul ’24₹248.25
₹335.82
+35.3%
13.6%₹430.00₹251.00₹344.2511
Jun ’24₹265.10
₹335.82
+26.7%
13.6%₹430.00₹251.00₹299.8011
May ’24₹240.00
₹337.82
+40.8%
15.0%₹430.00₹248.00₹327.0511
Apr ’24₹242.90
₹342.20
+40.9%
14.5%₹430.00₹248.00₹331.1510
Mar ’24₹242.10
₹347.20
+43.4%
15.2%₹430.00₹248.00₹334.1510
Feb ’24₹283.70
₹362.78
+27.9%
16.1%₹465.00₹245.00₹375.409
Jan ’24₹303.80
₹375.63
+23.6%
8.5%₹430.00₹330.00₹330.108
Dec ’23₹312.05
₹375.63
+20.4%
8.5%₹430.00₹330.00₹296.058

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 18:59
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Aptus Value Housing Finance India Limited is covered by 21 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Raghav GargAmbit Capital
Nitin BhasinAmbit Capital
Yuvraj ChoudharyAnand Rathi Shares and Stock Brokers Limited