Aptus Value Housing Finance Intrinsic Value
Aptus Value Housing Finance (APTUS) median intrinsic value is ₹345.36 from 8 valuation models (range ₹134–₹521), vs current price ₹260.35 — +32.7% upside (Trading Below Calculated Value), margin of safety 24.6%. Browse APTUS cash flow statement for revenue, profit, balance sheet and cash flow data.
APTUS Valuation Methods Summary — DCF, Graham Number & P/E
Aptus Value Housing Finance intrinsic value across 8 models vs current price ₹260.35 — upside/downside and value range per method. Also explore Aptus Value Housing Finance share price performance to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹250.56 | ₹200.45 - ₹300.67 | -3.8% | EPS: ₹20.88, Sector P/E: 12x |
| Book Value Method | asset | ₹345.36 | ₹310.82 - ₹379.90 | +32.7% | Book Value/Share: ₹431.70, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹237.20 | ₹213.48 - ₹260.92 | -8.9% | Revenue/Share: ₹237.20, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹520.70 | ₹468.63 - ₹572.77 | +100.0% | EBITDA: ₹1968.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹133.63 | ₹120.27 - ₹146.99 | -48.7% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹172.05 | ₹154.85 - ₹189.26 | -33.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹520.70 | ₹468.63 - ₹572.77 | +100.0% | ROE: 24.2%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹450.35 | ₹405.32 - ₹495.39 | +73.0% | EPS: ₹20.88, BVPS: ₹431.70 |
APTUS Intrinsic Value vs Market Price — All Valuation Models
Aptus Value Housing Finance fair value range ₹134–₹521 vs current market price ₹260.35 across 8 valuation models. For current market price and key ratios, visit Aptus Value Housing Finance screener.
APTUS Intrinsic Value Analysis — Undervalued or Overvalued?
Aptus Value Housing Finance median intrinsic value ₹345.36, current price ₹260.35 — Trading Below Calculated Value by 32.7%, margin of safety 24.6%.
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 ₹260.35, this represents a +32.7% variance from our estimated fair value.
The valuation range spans from ₹133.63 to ₹520.70, indicating ₹133.63 - ₹520.70.
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 32.7%.
APTUS Financial Health — Key Ratios vs Industry Benchmarks
Aptus Value Housing Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 | 24.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 82.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.21x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
APTUS Cash Flow Quality — Operating & Free Cash Flow
Aptus Value Housing Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |