AnnouncementSep 2026
Sep 2026 · Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 31 Aug - Aptus Value Housing Finance schedules virtual investor meeting with Theleme India Fund on September 2, 2026.
Source: Bse
Aptus Value Housing Finance India Limited (APTUS)
Small CapFinancial Services stocks · Small cap · NSE
Aptus Value Housing Finance India Limited operates in Housing Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
Data qualityFresh enough for analysisQuote updated 21 Oct, 03:31 pm ISTDetails
Quote21 Oct, 03:31 pm IST
Base fundamentals16 Oct 2026 · screener
Latest result16 Aug, 01:02 am IST
Score21 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags04 Oct 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
31Bearishfull bear SMA stack · SMA20 -9.6% / mo · RSI oversold · MACD − · near 52W low
Stock trend: 22
Sector RS: 45
Sector 3M: -5.7% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
APTUSD candles · FIT view-20.4%Latest close ₹207.50 on 2026-10-21
Bar
-2.2%
RSI
28
MACD hist
-0.46
52W pos
11%
2026-10-21O ₹212.11H ₹213.26L ₹204.50C ₹207.50Vol 24.9L sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
APTUSNifty Financial ServicesNifty 500
- APTUS
- -31.1%
- Nifty 500
- -6.5%
- Nifty Financial Services
- -6.9%
- Vs Nifty 500
- -24.6 pp
Chart stats
21 Oct 2026- From 52W high
- -35.7%
- 52W range position
- 11%
- ATR (14)
- 3.5%
- Volume vs 20D
- 1.36x
- Avg traded value
- ₹43.1 Cr
- 20D price channel
- ₹204.5 - ₹253.2
₹322.8
₹193 - ₹322.8
₹7.2
Latest completed session
20-session average
34.6% annualized volatility
Research snapshot
What the evidence says now
Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is consistent.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · FAIR VALUE51
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Average50
Revenue +15.4% · PAT +19.2% YoY
Technical
Bearish31
Price trend and sector-relative-strength timing.
Valuation
Legacy model+58.6%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence55
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Average · 50/100Rev +15% YoY · PAT +19% YoY
Filed 30 Jun 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹600 Cr | +15.4% | +4.5% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹261 Cr | +19.2% | +0.0% |
| PAT margin | 43.5% | +138 bps | -197 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 11.30
- P/B
- 2.20
- EV/EBITDA
- 1359.29
- Market Cap
- 11126.00Cr
Profitability
- ROE
- 20.10%
- ROCE
- 15.40%
- ROA
- 7.55%
- Dividend Y
- 1.99%
Growth (CAGR)
- Revenue 5Y
- 28.00%
- EPS 5Y
- 29.00%
- Revenue 3Y
- 26.00%
- EPS 3Y
- 23.00%
Balance Sheet
- Debt/Equity
- 1.56
- Interest Coverage
- —
- Altman Z
- 1.51
- Book Value
- 101.00
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 0/5
- OCF
- -489.00 Cr
- EPS TTM
- 19.67
Shareholding
- Promoter Hold
- 23.86%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 22%
Financial History
Updated 19/10/2026
Revenue
₹ CrLatest: 600+4.5% vs prev
Net Profit
₹ CrLatest: 261+0.0% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bearish setupTrend is weak — long-term trend down. RSI 28.
- Price < SMA20 < SMA50 < SMA200 — full bearish stack.
- SMA20 falling (~10.7% over last month) — short-term momentum negative.
- RSI(14) at 28 — oversold zone; bounce conditions.
- MACD below signal, histogram expanding negatively — bearish momentum building.
- 36% off 52W high · 7% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
8
RS percentile
Stage 1 Base / Transition
1M return
-12.5%
3M return
-31.1%
6M return
-19.2%
1Y return
-34.5%
RS 1D
0
RS 20D
-16
Sector rank
#10
Industry rank
#20
Stage evidence
- Price is 18.1% below the 30-week proxy without full trend alignment.
- The 30-week proxy changed -0.1% over 20 sessions.
- The moving-average structure does not confirm Stage 2 or Stage 4.
50-DMA
price below
200-DMA
price below
Sector
neutral
Industry
lagging
Relative-strength line vs Nifty 500 (base 100)
262 observations
21 Oct 2026Value 67.82-1.78%
RS vs Nifty 50068
Valuation & peers
U-Score 51 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Valuation & peers
U-Score 51 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Growth at Value
Fundamental score breakdown
U band · FAIR VALUEValuation18/30
Growth19/25
Quality13/20
Balance Sheet0/15
Cash Flow0/10
Piotroski
3/9 (+1)
Penalties
0
Raw sum
51
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
51/100 · legacy band FAIR VALUE
Positive drivers
- Fair-value margin of safety is positive at 58.6%.
- Growth contributes 19/25 to the score.
- Quality contributes 13/20 to the score.
Main drags
- Altman Z is 1.5, in distress territory.
- Balance sheet is weaker at 0/15; verify the latest quarterly trend.
- Cash flow is weaker at 0/10; verify the latest quarterly trend.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
11.3
PB
2.2
EV/EBITDA
1359.3
ROE
20.1%
ROCE
15.4%
FCF Yield
—
Debt/Equity
1.6
MoS
+58.6%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 21 Oct 2026
v4.3-runtime-valuation
Final score
51
Previous: 50 (+1)
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
+58.6%
Previous: +57.5%
Score history
12 stored score snapshots. Latest stored move: +0 points.
21 Oct 2026
v4.3-runtime-valuation
50
50
50
50
50
50
50
50
50
50
50
50
Factor attribution
Valuation
18+1
was 17
Modelled fair value
Graham Number
₹211.42
+1.9% MoS
Growth-justified P/E
25.5
Growth-justified Value
₹501.59
+58.6% MoS
PEG
0.42
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
HOMEFIRST
Large
Home First Finance Company India Limited
NBFC
match 168
35
20.0
15.7%
+26%
WATCHLIST
INDIASHLTR
Micro
India Shelter Finance Corporation Limited
NBFC
match 166
49
13.6
17.0%
+48%
FAIR VALUE
GICHSGFIN
Small
GIC Housing Finance Limited
NBFC
match 165
30
4.5
7.6%
+24%
OVERVALUED
CORALFINAC
Small
Coral India Finance & Housing Limited
NBFC
match 162
46
8.8
6.9%
+12%
FAIR VALUE
AADHARHFC
Large
Aadhar Housing Finance Limited
NBFC
match 162
40
16.8
15.9%
+33%
WATCHLIST
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Aptus Value Housing Finance India Limited operates in Housing Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
55Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 16th percentile of the scored universe and 28th percentile within Financial Services. Main check: cash conversion is weak at 28/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 21 Oct 2026
management-trust-v1
69 docs text-extracted · 19 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
16th percentile
overall median 67 · Financial Services: 28th pctile, median 62 · Small: 18th pctile, median 66
Evidence depth
Financial-only
69 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Needs extra due diligence; demand valuation comfort and recent improvement.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
66
acceptable · holding, pledge, alignment
Cash flow
28
weak · profit to cash conversion
Balance sheet
35
weak · leverage and solvency
Discipline
76
strong · capital discipline
Results
87
strong · quarterly consistency
Trust positives
- ▸Promoter pledge is zero.
- ▸4/4 latest quarters had positive YoY revenue growth.
- ▸4/4 latest quarters had positive YoY PAT growth.
- ▸Latest 3 quarters had positive YoY PAT growth.
Trust risks
- ▸Operating cash flow is negative at ₹-489 Cr.
- ▸Altman Z is 1.51.
- ▸Promoter holding is only 23.9%.
- ▸Only 0 years of positive FCF.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Aptus Value Housing Finance India Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 5 Sep
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 3 Sep
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 31 Aug - Allotment of 12,500 Equity shares of Rs.2/- each under Aptus Employee stock option Scheme 2021
Source: Bse
Concall transcriptAug 2026
Aug 2026 · Transcript
Source: Company Ir
Investor presentationAug 2026
Aug 2026 · PPT
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 21 Aug
Source: Bse
Annual reportJul 2026
Jul 2026 · Reg. 34 (1) Annual Report. 13 Jul - Submitted FY2025-26 Annual Report and notice for the 17th AGM on July 13, 2026.
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 8 Jul
Source: Bse
Concall transcriptJun 2026
Jun 2026 · Announcement under Regulation 30 (LODR)-Earnings Call Transcript 7 Aug - Earnings call Transcript for the First Quarter ended on 30th June 2026
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 26 Jun - Allotment of 50,000 equity shares of Rs.2/- each under Aptus Employee Stock Option Scheme 2021
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 19 Jun
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.