Aptus Value Housing Finance India Ltd

Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.

Aptus Value Housing Finance India Ltd trades at ₹249, in a downtrend and 1 weeks into that stage. That is −7.5% against its own 200-day average. It sits at 43% of a 52-week range of ₹198 to ₹318. On relative strength it is currently behind the NIFTY 500 on a trailing-13-week view (7 weeks and counting).

Today the stock is in a downtrend — week 1 of stage 4, confirmed. At ₹249 it trades −7.5% versus its 200-day average and sits at 43% of its 52-week range (₹198–₹318).

Against the market, two honest reads. Cumulative: over the last 5.0 years the stock moved −30% while the NIFTY 500 moved +57% — behind the index over the full window. Recent form: on a trailing-13-week view the stock is currently behind (7 weeks and counting; last ahead the week of 2026-07-24) — the ribbon below is that same metric, week by week.

What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.

Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each ₹1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.

Aptus Value Housing Finance India Ltd trades at 2.5× P/BV, about the cheapest it has ever traded. Its long-run median P/BV is 4.2×, measured across 4.9 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.

Today's P/BV of 2.5× is about the cheapest it has ever traded, against a long-run median of 4.2× measured over 4.9 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.

Why the multiple sits where it does: over the past year book value grew while the price moved −24.9% — price and book moved together, holding the multiple in its range.

The price move, decomposed: over 5y, of the −7.2%/yr price move, ~+12.6%/yr came from book-value growth and ~−19.8 pp from the multiple (compressing). The split is the honest approximate (price return minus book-value growth); it makes the rally itself visible instead of hiding it behind the percentile.

Put together: the multiple is low against its own past, so the story rests on the book-value line underneath it, not the multiple.

The PEG ratio and its quarterly curve, which only the second data source carries, are not drawn on this page: its two data sources disagree by up to 3.3% on reported income across 14 comparable periods. A figure two sources cannot agree on is not drawn — the gap is a decision, not missing data.

What the price assumes This reading works the multiple backwards. It asks one question: what yearly rate of profit growth is a buyer at the market price already paying for? The number is the growth rate that makes eleven years of profit — six years growing, then five fading — add up to that day's market price, once each year is discounted at 11% a year.

Solved at its 13 June 2026 price, Aptus Value Housing Finance India Ltd was paying for profit growth of about 5.2% a year. Profit itself has compounded 48.6% a year over the past 10 years. Today the market pays 2.5× P/BV, the 2nd percentile of its own 5-year range.

What the two numbers say together. The multiple is low against its own past, and the growth the price is paying for is below what this company has actually delivered.

How to hold this number: it is a reading of one day's price, taken on 13 June 2026, not a running figure — every other number on this page, the multiple included, is read off the live quote as of 11 September 2026. A higher price is paying for more growth and a lower price for less, so it moves whenever the price does, and this page does not restate it between measurements.

Stage: Consistent Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).

Aptus Value Housing Finance India Ltd reads as consistent on its fundamental arc. Consistent — revenue, profit and EPS growth have stayed positive through the window, with ROE at 20.0% and holding. The read is built from 8 quarters across 4 curves, on partial evidence.

Why it matters: steady curves with healthy returns are the compounding setup — the risk is the price, not the business.

Return readings here are annual, not quarterly — read as level and direction only; they can confirm the growth curves but never drive the stage on their own.

A partial read: at least one curve is short, or the returns curve is not the computed quarterly series — hold the stage word a little more loosely.

4-Factor Sector Score

58.9/100 — rank 5 of 13 in Finance - Housing · 82% evidence confidence

Aptus Value Housing Finance India Ltd scores 58.9 out of 100 against the 13 companies it is compared with in Finance - Housing, ranking 5. Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

The four contributions add to the total exactly: 22.3 + 15.3 + 11.3 + 10 = 58.9. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.

What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.

Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fee and other income.

Aptus Value Housing Finance India Ltd reported ₹600 Cr of income in the Jun 26 quarter, +15.4% year on year. That is the 11th straight quarter of year-on-year growth. Over 10 years it has compounded at 39.6% a year. The last full year, FY26, came in at ₹2,192 Cr. The last four reported quarters add to ₹2,272 Cr.

FY26 revenue came in at ₹2,192 Cr (+25.3% on the year), capping 10 years at 39.6% compound. The latest quarter (Jun 26) printed ₹600 Cr, +15.4% year on year — the 11th consecutive quarter of year-over-year growth.

Pace check: the last four quarters averaged +21.6% growth against the decade's 39.6% — the current year is running slower than its own long-run rate.

Acceleration check: trailing-twelve-month revenue grew +21.2% over the last 4 quarters against +25.0%/yr over the last 8 — rolling over; TTM profit +23.4% vs +23.9%/yr — stabilising.

Net margin Net margin — what the bank keeps of every ₹100 of revenue after every cost, provision and tax. It is the cleanest single margin we can read for a lender.

Aptus Value Housing Finance India Ltd's net margin is 43.5% in the Jun 26 quarter, +1.4 percentage points against the same quarter a year ago. Across 11 fiscal years the net margin has ranged 23.1% to 46.0%. The current quarter sits inside that band.

The latest quarter's net margin is 43.5%, +1.4 pp against the same quarter a year ago. Across 11 fiscal years the net margin has ranged 23.1%–46.0%.

Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.

Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.

Aptus Value Housing Finance India Ltd earned ₹261 Cr of net profit in the Jun 26 quarter, +19.2% year on year. It is the 11th consecutive quarter of growth. Full-year FY26 profit was ₹943 Cr. The 10-year compound rate is 48.6%. That is 43.5% of the quarter's revenue. The same quarter a year earlier earned ₹219 Cr.

Jun 26 profit was ₹261 Cr, +19.2% year on year — the 11th consecutive quarter of growth. On the full year, FY26 printed ₹943 Cr (+25.6%), and the 10-year compound rate is 48.6%.

Why profit moved: revenue contributed +15.4% and the margin +1.4 pp — the quarter was revenue-led, with the margin roughly flat.

Pace comparison, last four quarters: profit +23.6% vs revenue +21.6%. Profit and revenue are moving roughly in step.

Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.

Aptus Value Housing Finance India Ltd's gross NPA is 1.70% of the loan book in Jun 26, up from 1.49% a year ago. Net of provisions already set aside, 1.29% remains. Across the 12 quarters held here the book has ranged 1.07% to 1.70%. Falling NPAs are a loan book healing; rising NPAs are damage arriving.

Jun 26: gross NPA at 1.70% and net NPA at 1.29%, against 1.49% / 1.12% a year ago. Over the 12 quarters we hold, the book's worst reading was 1.70% and its best is 1.07%.

The synthesis: profit growth at a bank is only as good as the book behind it, and this book is not yet on a clear healing streak. A note on depth: quarterly provisioning detail is not in our numbers yet, so this ladder reads levels and trend, not the cost of the cleanup.

🚨 Why the ladder moved: recoveries, write-offs and slippages each play a part, and that split sits below what we hold — the numbers show the healing; the driver mix does not travel with them.

The loan book We read the loan book through revenue — when the book grows, revenue grows with it. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.

Aptus Value Housing Finance India Ltd's revenue grew +25.3% in FY26 to ₹2,192 Cr, so the book is growing. The latest quarter ran +15.4% year on year. The net margin on that income is 43.5%, +1.4 percentage points against a year ago.

FY26 revenue was ₹2,192 Cr, +25.3% on the year, and the latest quarter ran +15.4% year on year. The net margin on that revenue is 43.5% this quarter (+1.4 pp YoY) — growth with a widening margin on it.

The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — gross NPA is the loan-quality read we carry here.

Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.

Aptus Value Housing Finance India Ltd earns a return on equity of 20% in FY26. Its trough over the ladder below was 7% in FY17. For a lender the balance sheet is the operating asset, so equity return and asset return have to be read together.

FY26 ROE came in at 20%, recovered from a FY17 trough of 7%. Return on assets is withheld on this page — its two source series disagree for this quarter. That clears the bar a bank must beat for its book value to compound.

Why ROE moved: profit compounded 48.6% a year over 10 years while the equity base grew more slowly — earnings recovering faster than book value builds is what lifts ROE off a trough.

The quarterly return-on-equity and return-on-assets curves, which only the second data source carries, are not drawn on this page: its two data sources disagree by up to 3.3% on reported income across 14 comparable periods. A figure two sources cannot agree on is not drawn — the gap is a decision, not missing data.

Debt

For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.

A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.

Ownership Who owns the stock, quarter by quarter: promoters (the controlling owners), foreign and domestic institutions, and the public. Steady accumulation by people close to the numbers is a signal; a quiet register is also an answer.

Promoters cut 30.2 points of Aptus Value Housing Finance India Ltd over 8 quarters, the biggest move on the register. That takes promoters to 23.9% of the company. Domestic institutions moved +20.8 points over the same window, to 29.9%. The register is read on the four disclosed classes only; nothing is inferred between filings.

The register over the last two years — Promoters: −30.2 points over 8 quarters to 23.9%; Domestic institutions: +20.8 points over 8 quarters to 29.9%; Foreign institutions: +7.2 points over 8 quarters to 30.0%.

🚨 Why the register moved: promoters drove it (−30.2 points), absorbed on the other side by domestic institutions (+20.8 points) — distribution into the market’s bid.

Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.

Aptus Value Housing Finance India Ltd: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.

The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.

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