Aptus Value Housing Finance India Limited

NSEI:APTUS Stock Report

Market Cap: ₹160.6b

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

4/6

Valuation Score 4/6

  • 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.

₹218.92
Fair Value
46.5% overvalued intrinsic discount
15
Number of Analysts

Below Fair Value: APTUS (₹320.75) is trading above our estimate of fair value (₹218.92)

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 Ratio20.1x
Earnings₹7.99b
Market Cap₹160.59b

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 Average31x
HOMEFIRST Home First Finance Company India
32.1x20.02%₹132.4b
AAVAS Aavas Financiers
22.5x16.72%₹132.2b
IIFL IIFL Finance
57.9x50.24%₹187.7b
PNBHOUSING PNB Housing Finance
11.4x9.41%₹231.8b
APTUS Aptus Value Housing Finance India
20.1x16.72%₹160.6b

Price-To-Earnings vs Peers: APTUS is good value based on its Price-To-Earnings Ratio (20.1x) compared to the peer average (31x).

Price to Earnings Ratio vs Industry

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

10 CompaniesPrice / EarningsEstimated GrowthMarket Cap
500439 Vardhman Holdings
4.9xn/aUS$137.38m
531310 Available Finance
1.6xn/aUS$18.76m
538943 Sonal Mercantile
4.4xn/aUS$16.45m
511359 Ad-Manum Finance
4.8xn/aUS$5.93m
APTUS 20.1xIndustry Avg. 24.4xNo. of Companies20PE020406080100+
10 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: APTUS is good value based on its Price-To-Earnings Ratio (20.1x) compared to the Indian Diversified Financial industry average (24.4x).

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 Ratio20.1x
Fair PE Ratio20.8x

Price-To-Earnings vs Fair Ratio: APTUS is good value based on its Price-To-Earnings Ratio (20.1x) compared to the estimated Fair Price-To-Earnings Ratio (20.8x).

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₹320.75
₹400.20
+24.77%
11.98%₹501.00₹307.00n/a15
Sep ’26₹318.80
₹399.53
+25.32%
11.89%₹501.00₹307.00n/a15
Aug ’26₹338.50
₹393.47
+16.24%
12.79%₹501.00₹307.00n/a15
Jul ’26₹320.30
₹387.79
+21.07%
12.39%₹460.00₹300.00n/a14
Jun ’26₹340.65
₹387.79
+13.84%
12.39%₹460.00₹300.00n/a14
May ’26₹318.65
₹385.14
+20.87%
12.97%₹460.00₹296.00n/a14
Apr ’26₹299.40
₹390.13
+30.31%
11.95%₹460.00₹305.00n/a15
Mar ’26₹307.55
₹391.73
+27.37%
11.64%₹460.00₹305.00n/a15
Feb ’26₹317.10
₹394.20
+24.31%
11.24%₹460.00₹304.00n/a15
Jan ’26₹291.50
₹396.53
+36.03%
10.84%₹450.00₹301.00n/a15
Dec ’25₹320.00
₹396.53
+23.92%
10.84%₹450.00₹301.00n/a15
Nov ’25₹351.50
₹386.36
+9.92%
11.27%₹450.00₹297.00n/a14
Oct ’25₹352.00
₹385.64
+9.56%
11.30%₹450.00₹297.00n/a14
Sep ’25₹327.95
₹383.36
+16.89%
11.38%₹450.00₹297.00₹318.8014
Aug ’25₹314.80
₹384.79
+22.23%
11.48%₹450.00₹297.00₹338.5014
Jul ’25₹344.25
₹383.79
+11.48%
11.70%₹450.00₹293.00₹320.3014
Jun ’25₹299.80
₹383.79
+28.01%
11.70%₹450.00₹293.00₹340.6514
May ’25₹327.05
₹394.62
+20.66%
10.10%₹450.00₹291.00₹318.6513
Apr ’25₹331.15
₹393.69
+18.89%
10.67%₹450.00₹281.00₹299.4013
Mar ’25₹334.15
₹393.69
+17.82%
10.67%₹450.00₹281.00₹307.5513
Feb ’25₹375.40
₹367.71
-2.05%
10.66%₹430.00₹270.00₹317.1014
Jan ’25₹330.10
₹352.54
+6.80%
11.57%₹430.00₹270.00₹291.5013
Dec ’24₹296.05
₹349.08
+17.91%
11.14%₹430.00₹270.00₹320.0013
Nov ’24₹286.15
₹340.54
+19.01%
12.67%₹430.00₹256.00₹351.5013
Oct ’24₹292.40
₹338.62
+15.81%
12.76%₹430.00₹256.00₹352.0013
Sep ’24₹268.40
₹333.82
+24.37%
13.46%₹430.00₹256.00₹327.9511
₹400.2
Fair Value
19.9% undervalued intrinsic discount
15
Number of Analysts

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 Analysis2025/09/24 18:47
End of Day Share Price 2025/09/24 00:00
Earnings2025/06/30
Annual Earnings2025/03/31

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.

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 Github.

Analyst Sources

Aptus Value Housing Finance India Limited is covered by 26 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
Ashwin MehtaAmbit Capital
Nitin BhasinAmbit Capital