Aptus Value Housing Finance India Ltd (Finance - Housing) — fundamental analysis, earnings data, and key metrics. PE: 11.1. ROE: 18.6%. This stock is not currently in the Nifty 500 momentum outperformers list.
Deep value thesis based on recent earnings • Updated Mar 7, 2026
Aptus is executing a high-margin, asset-light business model focused on underserved low/middle-income housing segments with 20%+ AUM growth and improving ROE (18.11%), signaling sustainable growth trajectory.
Verdict
TURNAROUND_IN_PROGRESS
Re-rating catalysts over the next 2-4 quarters • Updated Mar 7, 2026
Expected full-year PAT growth of 25%+ on 20%+ AUM expansion, potentially triggering institutional buying.
Impact: +₹1652 Cr revenue
“9M FY26 PAT growth of 26% YoY to ₹685 Cr”
If maintained for 4 consecutive quarters, could prompt re-rating from current 12.5x PE toward sector leaders at 18-20x.
“Q3 FY26 ROE at 18.11% vs historical average of 16.20%”
With strong institutional ownership (60.48%), potential for marquee investor to take stake and validate business model.
“Current institutional holding at 60.48% (33.20% FII, 22.30% MF)”
Risks that could prevent re-rating or deepen the value trap
Rising unemployment in low-income segments
Impact: -500 bps margin impact
Management view: Company maintains conservative underwriting standards but sector-wide stress could impact performance.
Monitor: NPA ratio in upcoming quarterly reports
RBI rate hikes exceeding 50 bps
Impact: -300 bps margin impact
Management view: Company has diversified funding sources including NCDs (₹15,000 Cr issued in Q3) to manage cost.
Monitor: Interest expense growth vs AUM growth
New RBI guidelines for HFCs
Impact: -200 bps margin impact
Management view: Company maintains capital adequacy ratio above regulatory minimums.
Monitor: CAR ratio in quarterly disclosures
Forward-looking targets from management for FY26-28E
Revenue Growth Target
23%
Implied PAT Growth
25%
OPM Guidance
82%
Capex Plan
₹50 Cr
Credit Growth Target
21%
NIM Guidance
12.5%
Key Milestones
• AUM to reach ₹15,000 Cr by FY28
• Maintain PAT margin above 42%
• Expand to 400+ branches by FY28
The above analysis is AI-generated from publicly available financial data. This is educational research only — not investment advice. Last updated Mar 7, 2026.
Based on publicly available financial data. This is educational research, not investment advice.
Aptus Value Housing Finance India Ltd's latest quarterly results (Dec 2025) show
Aptus Value Housing Finance India Ltd's current PE ratio is 11.1x.
Aptus Value Housing Finance India Ltd's price-to-book ratio is 2.1x.
Aptus Value Housing Finance India Ltd's fundamental strength based on key financial ratios
Aptus Value Housing Finance India Ltd has a debt-to-equity ratio of N/A.
Aptus Value Housing Finance India Ltd's return ratios over recent years
Aptus Value Housing Finance India Ltd's operating cash flow is negative (FY2025).
Aptus Value Housing Finance India Ltd's current dividend yield is 2.28%.
Aptus Value Housing Finance India Ltd's shareholding pattern (Dec 2025)
Aptus Value Housing Finance India Ltd's promoter holding has decreased recently.
Aptus Value Housing Finance India Ltd is an established outperformer with 1 weeks of consecutive Nifty 500 outperformance.
Aptus Value Housing Finance India Ltd has 3 key growth catalysts identified from recent earnings analysis
Aptus Value Housing Finance India Ltd has 3 key risks worth monitoring
Aptus Value Housing Finance India Ltd's management has provided the following forward guidance for FY26-28E
Based on quantitative research signals, here is why Aptus Value Housing Finance India Ltd may be worth studying
Aptus Value Housing Finance India Ltd investment thesis summary:
Aptus Value Housing Finance India Ltd's forward outlook based on current data signals
The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.
