Aptus Value Housing Finance India Ltd Stock Price Today (NSE: APTUS)
Fundamental Score
Aptus Value Housing Finance India Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Aptus Value Housing Finance India Ltd share price today is ₹194.57, down 4.57% on NSE/BSE as of 30 March 2026. Aptus Value Housing Finance India Ltd (APTUS) is a Mid-cap company in the Housing Finance Company sector with a market capitalisation of ₹14.15K (Cr). The 52-week high for APTUS share price is ₹364.00 and the 52-week low is ₹196.74. At a P/E ratio of 16.78x, APTUS is currently trading below its industry average P/E of 18.03x. The company has a Return on Equity (ROE) of 18.58% and a debt-to-equity ratio of 1.57.
Aptus Value Housing Finance India Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Aptus Value Housing Finance India Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Aptus Value Housing Finance Share Price: A Financial Analysis
The affordable housing finance sector in India is currently experiencing a surge in demand, driven by government initiatives and increasing urbanization. This makes a detailed financial analysis of players like Aptus Value Housing Finance crucial. Currently, the Aptus Value Housing Finance share price is ₹259.1000061035156, with a Price-to-Earnings (PE) ratio of 16.78. This analysis forms part of an 80-parameter fundamental audit, verified by Sweta Mishra.
Aptus's PE ratio of 16.78 suggests the market has moderate expectations for its future earnings growth, relative to its current earnings. Comparing this to its peers, such as
GIC Housing Finance Ltd, where perceived management quality might be different, gives a broader perspective. While specific details of GIC Housing Finance’s management are beyond the scope of this general analysis, investors often factor management track record and strategy into valuation.Aptus Value Housing Finance's Return on Capital Employed (ROCE) of 15.05% is a vital indicator of its profitability and efficiency in utilizing capital. A high ROCE, like this one, suggests Aptus is effectively generating profits from its investments. This efficiency contributes to the company's "moat," its competitive advantage. A consistently high ROCE indicates that Aptus can reinvest its earnings at a high rate of return, further strengthening its market position and potentially driving future growth.
The ROCE highlights Aptus's ability to generate wealth for its shareholders. While a lower PE may indicate the stock is undervalued, other metrics must be analyzed. It is important to note that this is merely an observational analysis based on publicly available data and should not be interpreted as investment advice. A comprehensive understanding requires deeper investigation into other financial ratios, macroeconomic factors, and regulatory landscape changes, along with considering the specific dynamics impacting affordable housing finance companies like Aptus.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Aptus Value Housing Finance India Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of APTUS across key market metrics for learning purposes.
Positive Indicators
9 factors identified
Strong Return on Equity (18.58%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Excellent ROCE Performance (15.05%)
Observation: Superior returns on capital employed across business operations.
Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance.
Strong Operating Margins (83.60%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (24.50%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (29.11%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (28.46% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Profit Growth Track Record (28.91% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Institutional Confidence (FII+DII: 61.23%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Weak Earnings Growth (-7.95% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Elevated Debt Levels (D/E: 1.57)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Negative Free Cash Flow (₹-5172.00 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Low Promoter Commitment (23.87%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
Aptus Value Housing Finance India Ltd Financial Statements
Comprehensive financial data for Aptus Value Housing Finance India Ltd including income statement, balance sheet and cash flow
About APTUS (Aptus Value Housing Finance India Ltd)
Aptus Value Housing Finance India Ltd is a distinguished housing finance company focused on serving the underserved, primarily in rural and semi-urban India. The company specialize...s in providing accessible and affordable housing finance solutions to low and middle-income families, empowering them to realize their dream of owning a home. Aptus distinguishes itself through its deep understanding of the specific needs and challenges of this demographic, offering tailored products and services that cater to their unique circumstances. The company's operational model emphasizes strong customer relationships, efficient loan processing, and robust risk management, ensuring sustainable growth and positive social impact. Aptus aims to transform lives and strengthen communities by bridging the housing finance gap and promoting financial inclusion across the country. Aptus’ core offering encompasses a comprehensive suite of housing finance products including home purchase loans, construction loans, home improvement loans, and loans against property. The company recognizes the crucial role of housing in improving livelihoods and therefore extends financial assistance to individuals who may not qualify for traditional bank loans. Understanding the diverse financial capabilities of its customer base, Aptus provides flexible repayment options and personalized loan structures to accommodate varying income levels. Beyond just providing financial assistance, Aptus also seeks to educate and empower its customers by offering guidance on home ownership, financial literacy, and property management. This holistic approach fosters long-term financial well-being and contributes to the overall stability of the communities it serves. Aptus Value Housing Finance India Ltd. operates with a strong emphasis on ethical lending practices and responsible financial stewardship. The company prioritizes transparency and customer service, building trust and lasting relationships with its borrowers. Aptus leverages technology to streamline its operations, enhance efficiency, and deliver a seamless customer experience. From online loan applications to digital payment options, Aptus embraces innovation to adapt to the evolving needs of its customers and the rapidly changing financial landscape. Furthermore, Aptus is committed to sustainable growth and environmental responsibility, actively promoting eco-friendly construction practices and supporting initiatives that contribute to a greener and more sustainable future for the communities it serves.
Company Details
Key Leadership
Corporate Events
APTUS Share Price: Frequently Asked Questions
What is the current share price of Aptus Value Housing Finance India Ltd (APTUS)?
As of 30 Mar 2026, 12:05 pm IST, Aptus Value Housing Finance India Ltd share price is ₹194.57. The APTUS stock has a market capitalisation of ₹14.15K (Cr) on NSE/BSE.
Is APTUS share price Overvalued or Undervalued?
APTUS share price is currently trading at a P/E ratio of 16.78x, compared to the industry average of 18.03x. Based on this relative valuation, the Aptus Value Housing Finance India Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of APTUS share price?
The 52-week high of APTUS share price is ₹364.00 and the 52-week low is ₹196.74. These values are updated daily from NSE/BSE price data.
What factors affect the Aptus Value Housing Finance India Ltd share price?
Key factors influencing APTUS share price include quarterly earnings growth (Sales Growth: 29.11%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Aptus Value Housing Finance India Ltd a good stock for long-term investment?
Aptus Value Housing Finance India Ltd shows a 5-year Profit Growth of 28.91% and an ROE of 18.58%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.57 before investing in APTUS shares.
How does Aptus Value Housing Finance India Ltd compare with its industry peers?
Aptus Value Housing Finance India Ltd competes with major peers in the Housing Finance Company. Investors should compare APTUS share price P/E of 16.78x and ROE of 18.58% against the industry averages to determine competitive standing.
What is the P/E ratio of APTUS and what does it mean?
APTUS share price has a P/E ratio of 16.78x compared to the industry average of 18.03x. Investors pay ₹17 for every ₹1 of annual earnings.
How is APTUS performing according to Bull Run's analysis?
APTUS has a Bull Run fundamental score of 32.4/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does APTUS belong to?
APTUS operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Aptus Value Housing Finance India Ltd share price.
What is Return on Equity (ROE) and why is it important for APTUS?
APTUS has an ROE of 18.58%, which indicates excellent management efficiency. ROE measures how efficiently Aptus Value Housing Finance India Ltd generates profits from shareholders capital.
How is APTUS debt-to-equity ratio and what does it indicate?
APTUS has a debt-to-equity ratio of 1.57, which indicates high leverage that increases financial risk.
What is APTUS dividend yield and is it a good dividend stock?
APTUS offers a dividend yield of 1.59%, meaning you receive ₹1.59 annual dividend for every ₹100 invested in Aptus Value Housing Finance India Ltd shares.
How has APTUS share price grown over the past 5 years?
APTUS has achieved 5-year growth rates of: Sales Growth 28.46%, Profit Growth 28.91%, and EPS Growth -7.95%.
What is the promoter holding in APTUS and why does it matter?
Promoters hold 23.87% of APTUS shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Aptus Value Housing Finance India Ltd.
What is APTUS market capitalisation category?
APTUS has a market capitalisation of ₹14149 crores, placing it in the Mid-cap category.
How volatile is APTUS stock?
APTUS has a beta of N/A. A beta > 1 suggests the Aptus Value Housing Finance India Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is APTUS operating profit margin trend?
APTUS has a 5-year average Operating Profit Margin (OPM) of 83.60%, indicating the company's operational efficiency.
How is APTUS quarterly performance?
Recent quarterly performance shows Aptus Value Housing Finance India Ltd YoY Sales Growth of 29.11% and YoY Profit Growth of 24.50%.
What is the institutional holding pattern in APTUS?
APTUS has FII holding of 35.36% and DII holding of 25.87%. Significant institutional holding often suggests professional confidence in the Aptus Value Housing Finance India Ltd stock.