Aptus Value Housing Finance Intrinsic Value
APTUS • Financial Services
Current Stock Price
₹199.42
Primary Intrinsic Value
₹217.92
Market Cap
₹1994 Cr
+73.2%
Upside
Median Value
₹345.36
Value Range
₹116 - ₹420
Assessment
Trading Below Calculated Value
Safety Margin
42.3%
APTUS Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹217.92 | ₹174.34 - ₹261.50 | +9.3% | EPS: ₹18.16, Sector P/E: 12x |
| Book Value Method | asset | ₹345.36 | ₹310.82 - ₹379.90 | +73.2% | Book Value/Share: ₹431.70, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹221.60 | ₹199.44 - ₹243.76 | +11.1% | Revenue/Share: ₹221.60, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹398.84 | ₹358.96 - ₹438.72 | +100.0% | EBITDA: ₹1852.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹116.22 | ₹104.60 - ₹127.84 | -41.7% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹149.64 | ₹134.68 - ₹164.60 | -25.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹398.84 | ₹358.96 - ₹438.72 | +100.0% | ROE: 21.0%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹419.99 | ₹377.99 - ₹461.99 | +110.6% | EPS: ₹18.16, BVPS: ₹431.70 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
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 ₹199.42, this represents a +73.2% variance from our estimated fair value.
The valuation range spans from ₹116.22 to ₹419.99, indicating ₹116.22 - ₹419.99.
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 73.2%.
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 |
| 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 |