Aptus Value Housing Finance Intrinsic Value
APTUS Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹217.92 | ₹174.34 - ₹261.50 | -20.9% | EPS: ₹18.16, Sector P/E: 12x |
| Book Value Method | asset | ₹345.36 | ₹310.82 - ₹379.90 | +25.4% | Book Value/Share: ₹431.70, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹221.60 | ₹199.44 - ₹243.76 | -19.5% | Revenue/Share: ₹221.60, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹550.90 | ₹495.81 - ₹605.99 | +100.0% | EBITDA: ₹1852.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹116.22 | ₹104.60 - ₹127.84 | -57.8% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹149.64 | ₹134.68 - ₹164.60 | -45.7% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹550.90 | ₹495.81 - ₹605.99 | +100.0% | ROE: 21.0%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹419.99 | ₹377.99 - ₹461.99 | +52.5% | EPS: ₹18.16, BVPS: ₹431.70 |
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Valuation Comparison Chart
APTUS Intrinsic Value Analysis
What is the intrinsic value of APTUS?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Aptus Value Housing Finance (APTUS) is ₹345.36 (median value). With the current market price of ₹275.45, this represents a +25.4% variance from our estimated fair value.
The valuation range spans from ₹116.22 to ₹550.90, indicating ₹116.22 - ₹550.90.
Is APTUS undervalued or overvalued?
Based on our multi-method analysis, Aptus Value Housing Finance (APTUS) appears to be trading below calculated value by approximately 25.4%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 2.60 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 21.0% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 83.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.20x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Aptus Value Housing Finance
Additional stock information and data for APTUS
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-1,405 Cr | ₹-1,450 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-1,356 Cr | ₹-1,356 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-1,047 Cr | ₹-1,047 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-724 Cr | ₹-755 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-621 Cr | ₹-621 Cr | Negative Cash Flow | 3/10 |