Aptus Value Housing Finance India Limited
Valuation (84/100) does the heavy lifting; momentum (19/100) is the drag.
Buy zoneAptus Value Housing Finance India Limited earns a Buy from StocksWizard, with a blended score of 67/100. At ₹249.11 it trades below our blended DCF and relative-multiples fair value of ₹365.47, about 47% upside to that estimate — we read it as undervalued by 47%. On 14.0x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 25% below its 52-week high of ₹332.65 and 29% above the low of ₹192.77. Financial health scores 98/100, with a Piotroski F-score of 2/9. The average analyst target of ₹348.25 implies about 40% upside across 16 analysts. It clears 7 of 12 investability checks, with durability 73, valuation 68 and momentum 19 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹292.37.
Analyst views
1-year price
EOD · 2026-09-1252-week range
-25.11% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy67Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 20.1%
- Fail: Low debt (D/E < 0.5): 1.56x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 22%
- Pass: Earnings growing: 26%
- Pass: Net margin ≥ 10%: 61.4%
- Pass: Current ratio > 1.5: 183.59
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter26.4%
- Institutions54.3%
- Public & other19.3%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Strong return on equity (20.1%).
- Healthy profit margin (61.4%).
Opportunities
- Earnings growing (26% YoY).
- Revenue growing (22% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~47% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (2/9).
About Aptus Value Housing Finance India Limited
Aptus Value Housing Finance India Limited and its subsidiary Aptus Finance India Private Limited provide housing finance in India, offering home and quasi-home loans for property purchase, construction, renovation, and extension, along with loans against property and secured and small business loans. The company also offers life, credit shield, and property insurance products.
Aptus Value Housing Finance India Limited — frequently asked questions
Is Aptus Value Housing Finance India Limited a buy, hold or sell?
StocksWizard currently rates Aptus Value Housing Finance India Limited (APTUS) a Buy, based on a blended score of 67/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Aptus Value Housing Finance India Limited's fair value?
Our blended DCF and relative-valuation model estimates Aptus Value Housing Finance India Limited's fair value at about ₹365.47, versus a current price of ₹249.11 — roughly 47% upside. On that basis the stock looks undervalued by 47%.
Is Aptus Value Housing Finance India Limited financially healthy?
Aptus Value Housing Finance India Limited scores 98/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Aptus Value Housing Finance India Limited's share price performed?
Aptus Value Housing Finance India Limited is down 9% over three months, and last traded at ₹249.11. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.