Aptus Value Housing Finance India Limited

NSEI:APTUS Stock Report

Market Cap: ₹157.9b

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 (₹313.7) is trading above our estimate of fair value (₹176.66)

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 Ratio23.2x
Earnings₹6.75b
Market Cap₹157.89b

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
21.7x20.4%₹181.0b
IIFL IIFL Finance
11.2x25.3%₹176.7b
AAVAS Aavas Financiers
24.5x20.2%₹130.9b
PNBHOUSING PNB Housing Finance
13.4x16.6%₹224.8b
APTUS Aptus Value Housing Finance India
23.2x18.5%₹156.8b

Price-To-Earnings vs Peers: APTUS is expensive based on its Price-To-Earnings Ratio (23.2x) 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?

6 CompaniesPrice / EarningsEstimated GrowthMarket Cap
531310 Available Finance
2.6xn/aUS$40.37m
539217 Srestha Finvest
4.9xn/aUS$12.04m
531735 Prism Finance
2.6xn/aUS$2.31m
538863 Sri Amarnath Finance
3.1xn/aUS$941.06k
APTUS 23.2xIndustry Avg. 26.1xNo. of Companies18PE020406080100+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: APTUS is good value based on its Price-To-Earnings Ratio (23.2x) compared to the Indian Diversified Financial industry average (26.1x).

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 Ratio23.2x
Fair PE Ratio20.7x

Price-To-Earnings vs Fair Ratio: APTUS is expensive based on its Price-To-Earnings Ratio (23.2x) 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₹313.70
₹393.43
+25.4%
10.9%₹450.00₹301.00n/a14
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₹270.00n/a13
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
Nov ’23₹324.40
₹362.38
+11.7%
10.7%₹425.00₹315.00₹286.158

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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