Aptus Value Housing Finance India Limited (APTUS) fair value: what the stock is really worth
As of Nov 11, 2026: fair value (intrinsic value) of Aptus Value Housing Finance India Limited stock ₹352, price ₹176, upside +100.5%, quality 64 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.
How to read this chart
60‑month range ₹174.88 – ₹378.10 · fair‑value band ₹129.70 – ₹551.70 · the ₹175.62 price screens below the ₹352.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.
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Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions in India.
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The company offers home and quasi-home loans for the purchase, construction, renovation, and extension of houses; loans against property for construction and purchase of houses; and secured, small business, and refinance loans. It also provides life, credit shield, and property insurance products.
The company serves individual homebuyers; low and middle income salaried and self-employed individuals; and first-time homeowners from rural and semi-urban markets. Aptus Value Housing Finance India Limited was incorporated in 2009 and is headquartered in Chennai, India.
Stock analysis
Aptus Value Housing Finance India Limited (APTUS) currently trades at ₹175.62, while our model-based Fair Value estimate is ₹352.06, implying the stock looks roughly 50% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹744.98 per share, and 8 of the 13 models we run sit above the ₹175.62 price.
Bear case: the Dividend Discount group reads lowest at ₹49.20, and 5 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: ₹129.70 (bear) to ₹551.70 (bull), the price of ₹175.62 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Aptus Value Housing Finance India Limited reported revenue of ₹22.5B in FY2026 versus ₹8.4B in FY2022, a compound +27.9%/yr. Reported net income was ₹9.4B in FY2026, compounding +26.3%/yr from FY2022.
Key figures
Market cap ₹87.9B (≈ $939M) Small · P/E ratio 8.6 · P/S ratio 5.24 · EPS (TTM) ₹20.48 · Dividend yield 2.6% · Net margin 61.1% · Return on equity 20.3% · Return on assets (EBIT) 9.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 78 out of 100 (medium confidence).
What moves the price
The share trades about 43% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at 100%, APTUS screens cheaper than that median.
Fair Value models
Bear₹129.70Fair Value ₹352.06Bull₹551.70
Price ₹175.62 · Upside +100.5%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹9.89 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+24.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.8%
Start year 2021 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+42.9%
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What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+28.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.8%
Dividend (yield on the price)2.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.27.7% vs 33.5%, slowing
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.52% → 57%
2026 sits 54% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+1.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−0.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about −2.8% a year for the price and −4.0% for the forecasts.
Compare Aptus Value Housing Finance India Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 55 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score64 · Top 25%
Fair Value upside+100.5% · Top 25%
Profitability
Return on equity (12 months)20.3% · Top 25%
Return on assets7.2% · Top 25%
Net margin (12 months)61.1% · Top 25%
Operating margin (12 months)73.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)25.0% · Top 25%
Dividend yield (12 months)2.6% · Below median
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
P/E (12 months)8.6× · Cheaper than median
P/B1.74× · Pricier than median
P/S (12 months)5.24× · Pricier than median
Price / free cash flow (fiscal year)9.6× · Pricier than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Aptus Value Housing Finance India Limited Fair Value". https://www.fairvalue-calculator.com/stock/APTUS
Frequently asked questions
Is Aptus Value Housing Finance India Limited (APTUS) overvalued or undervalued?
As of Nov 10, 2026, our model estimates a fair value of ₹352.06 versus a price of ₹175.62, about +100% upside (undervalued).
What is the fair value of APTUS?
Our model-based fair value for Aptus Value Housing Finance India Limited is ₹352.06 (as of Nov 10, 2026), built from audited fundamentals. The current price: ₹175.62.
What is the quality score of APTUS?
Aptus Value Housing Finance India Limited has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Aptus Value Housing Finance India Limited (APTUS)?
Our model-based price target is the fair value of ₹352.06 (as of Nov 10, 2026) from 13 valuation models. Cautious scenario ₹129.70, optimistic scenario ₹551.70. It is a calculation from audited fundamentals, not an analyst target.
What is the Aptus Value Housing Finance India Limited stock forecast for 2026?
Our models put fair value at ₹352.06, about +100% upside versus a price of ₹175.62 (undervalued). Cautious scenario ₹129.70, optimistic scenario ₹551.70. The calculation is refreshed regularly with new filings.
What is the revenue of Aptus Value Housing Finance India Limited (APTUS)?
Aptus Value Housing Finance India Limited reported trailing-twelve-month revenue of about ₹16.8B (latest available figure, as of Nov 10, 2026).
Does Aptus Value Housing Finance India Limited pay a dividend?
Aptus Value Housing Finance India Limited currently shows a dividend yield of 2.56% relative to its recent price (as of Nov 10, 2026).
How much is the dividend of Aptus Value Housing Finance India Limited (APTUS) and when is the ex-dividend date?
Aptus Value Housing Finance India Limited pays a dividend of ₹4.50 per share a year, a dividend yield of 2.6%. The next ex-dividend date is Nov 13, 2026. A dividend has been paid every year since at least 2022. The payout ratio is 22.0% of earnings. Free cash flow covers the dividend 4.05 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Aptus Value Housing Finance India Limited (APTUS)?
For today's price to be fair in a discounted-cash-flow model, Aptus Value Housing Finance India Limited would have to grow free cash flow by +1.2 % per year for five years (discount rate 12.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +27.8 % per year. As of Nov 10, 2026.
What discount rate (WACC) does the fair value of APTUS use?
Our models discount Aptus Value Housing Finance India Limited at 12.9 %: a base by market capitalisation (small), damped by beta 0.72, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Aptus Value Housing Finance India Limited that is +1.2 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.9 %) and the same formula as our fair value.
How much growth has Aptus Value Housing Finance India Limited (APTUS) delivered so far?
Over the past 5 years revenue at Aptus Value Housing Finance India Limited grew +27.8 % a year. The price currently implies free-cash-flow growth of +1.2 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Aptus Value Housing Finance India Limited (APTUS) growing?
The median revenue growth in the sector is +8.9 % a year. That is the yardstick for the growth priced into Aptus Value Housing Finance India Limited (+1.2 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Aptus Value Housing Finance India Limited (APTUS)?
The free-cash-flow yield on the price is 10.38 %: that much free cash flow Aptus Value Housing Finance India Limited produces per unit of market value. When it exceeds the discount rate of our models (12.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Aptus Value Housing Finance India Limited (APTUS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Aptus Value Housing Finance India Limited it is ₹352.06 per share (as of Nov 10, 2026), against a price of ₹175.62. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Aptus Value Housing Finance India Limited stock overvalued or undervalued in 2026?
As of Nov 10, 2026, APTUS trades below its calculated fair value: price ₹175.62, fair value ₹352.06, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of APTUS?
No. The price is what the market pays today (₹175.62); the fair value is what the company's own numbers justify (₹352.06). For Aptus Value Housing Finance India Limited the two are ₹176.44 per share apart. That gap is exactly why we show both numbers side by side.
How much is Aptus Value Housing Finance India Limited worth?
The market values Aptus Value Housing Finance India Limited at about ₹87.9B (market capitalisation, as of Nov 10, 2026). Per share that is ₹175.62; our models calculate a fair value of ₹352.06 per share.
What do the bullish and bearish scenarios say about APTUS?
Our models span a range for Aptus Value Housing Finance India Limited: cautious scenario ₹129.70, base ₹352.06, optimistic ₹551.70 per share (as of Nov 10, 2026, price ₹175.62). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of APTUS?
Aptus Value Housing Finance India Limited trades at a price-to-earnings ratio of 8.6 (as of Nov 10, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹352.06 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2022 to 2026), reported earnings: 24.1. Other multiples: P/B 1.7, P/S 5.2, EV/EBITDA 6.7.
How solid is the balance sheet of Aptus Value Housing Finance India Limited (APTUS)?
Balance-sheet figures for Aptus Value Housing Finance India Limited (as of Nov 10, 2026): return on equity 20.3%. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is APTUS from its 52-week high?
Aptus Value Housing Finance India Limited trades at ₹175.62, about 43% below its 52-week high of ₹306.85 and at the low of ₹174.88 (as of Nov 11, 2026). Distance from the high says nothing about value: that is what the fair value of ₹352.06 is for.
Which stocks are comparable to Aptus Value Housing Finance India Limited?
From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, PennyMac Financial Services, Inc, LIC Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Aptus Value Housing Finance India Limited stock attractive at the current price?
The data as of Nov 10, 2026: price ₹175.62, calculated fair value ₹352.06 (+100%), Quality Score 64/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of APTUS calculated?
We run Aptus Value Housing Finance India Limited through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of ₹352.06 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0% above its aggregate fair value. Aptus Value Housing Finance India Limited currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Aptus Value Housing Finance India Limited (APTUS)?
The closing price on Nov 11, 2026 was ₹175.62. Our model-based fair value is ₹352.06, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Aptus Value Housing Finance India Limited right now?
The model range is unusually wide (₹129.70 to ₹551.70). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Aptus Value Housing Finance India Limited
How large is the market capitalisation of Aptus Value Housing Finance India Limited (APTUS)?
The market capitalisation of Aptus Value Housing Finance India Limited is ₹87.9B (≈ $939M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Aptus Value Housing Finance India Limited (APTUS)?
The price-to-sales ratio of Aptus Value Housing Finance India Limited is 5.24 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Aptus Value Housing Finance India Limited (APTUS)?
Earnings per share at Aptus Value Housing Finance India Limited are ₹20.48 (price ÷ EPS = P/E 8.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Aptus Value Housing Finance India Limited (APTUS)?
The dividend yield of Aptus Value Housing Finance India Limited is 2.6% (payout 22.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Aptus Value Housing Finance India Limited (APTUS)?
The net margin of Aptus Value Housing Finance India Limited is 61.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Aptus Value Housing Finance India Limited (APTUS)?
The return on equity (ROE) of Aptus Value Housing Finance India Limited is 20.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Aptus Value Housing Finance India Limited (APTUS)?
On an EBIT basis the return on assets of Aptus Value Housing Finance India Limited is 9.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Aptus Value Housing Finance India Limited (APTUS)?
The operating margin of Aptus Value Housing Finance India Limited is 73.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Aptus Value Housing Finance India Limited (APTUS)?
Revenue at Aptus Value Housing Finance India Limited is growing +25.0% versus a year earlier (3y avg +25.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Aptus Value Housing Finance India Limited (APTUS)?
Earnings per share at Aptus Value Housing Finance India Limited are growing +18.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Aptus Value Housing Finance India Limited (APTUS) carry?
The net debt of Aptus Value Housing Finance India Limited is ₹73.1B (fiscal year 2026, ≈ 8.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 10, 2026