Aptus Value Housing Finance India Limited provides housing finance and loans against property for self-employed and middle-income customers. The company focuses on smaller towns with limited access to formal credit. Housing demand supports consistent loan growth. Conservative credit policies strengthen asset quality. Regional specialization remains a competitive advantage.
| Market cap | Sales (TTM) | Net profit (TTM) | P/E | EPS (TTM) | P/B | ROE | ROE previous year | ROA | Debt / equity | Beta |
|---|---|---|---|---|---|---|---|---|---|---|
| ₹10,679 cr | ₹2,306 cr | ₹985 cr | 10.8 | 19.69 | 2.11 | 20.1% | 18.6% | 7.76% | 1.56 | 1.15 |
| Quarter | Sales ₹ cr | Net profit ₹ cr | EPS | EPS YoY | Sales YoY | Net margin |
|---|---|---|---|---|---|---|
| Jun 2026 | 600 | 261 | 5.21 | +18.7% | +15.4% | 43.5% |
| Mar 2026 | 593 | 261 | 5.22 | +25.8% | +22.5% | 44.0% |
| Dec 2025 | 568 | 236 | 4.72 | +23.6% | +26.3% | 41.5% |
| Sep 2025 | 544 | 226 | 4.54 | +24.4% | +29.1% | 41.6% |
| Jun 2025 | 520 | 219 | 4.39 | +27.6% | +31.7% | 42.1% |
| Mar 2025 | 484 | 207 | 4.15 | +26.1% | +29.2% | 42.8% |
| Dec 2024 | 450 | 190 | 3.82 | +20.9% | +28.1% | 42.3% |
| Sep 2024 | 421 | 182 | 3.65 | +22.9% | +26.3% | 43.2% |
| Check | Result |
|---|---|
| Latest quarter EPS up 25%+ on a year ago | ✗ Fail |
| EPS growth accelerating over 3 quarters | ✗ Fail |
| Sales up 25%+, or sales growth accelerating | ✗ Fail |
| Annual EPS up 25%+ in each of the last 2 years | ✗ Fail |
| Net margin above the same quarter last year | ✓ Pass |
| Method | Checks | Score | Verdict |
|---|---|---|---|
| Minervini | ✗ Close above the 150- and 200-day averages ✗ 150-day above 200-day ✗ 200-day rising for a month ✗ 50-day above the 150- and 200-day ✗ Close above the 50-day ✗ At least 25% above the 52-week low · low 194.57 ✗ Within 25% of the 52-week high · high 319.60 ✗ RS percentile 70 or more · RS 10 Trend template - the gate, measured: a modest 21-day edge. | 0/8 | 0 of 8 |
| Weinstein | Stan Weinstein's stage analysis on the 30-week moving average. | Stage 4 - declining | |
| CAN SLIM | ✗ C latest quarter EPS up 25%+ ✗ A annual EPS up 25%+ in each of the last 2 years · O'Neil asks 3; ~2 held ✗ N within 15% of the 52-week high · high 319.60 ✗ S more volume on up days than down days (50 sessions) · 0.76x ✗ L RS percentile 80 or more · RS 10 — I institutional sponsorship rising · shareholding not collected yet ✓ M market in an uptrend (40%+ of stocks above their 200-day) · breadth 45% William O'Neil's growth-leader checklist. | 1/6 | Weak |
| Darvas | ✗ New 52-week high in the last 120 sessions Darvas needs a new 52-week high to start a box. | 10/100 | No box |
| Turtle | ✗ Close above the prior 55-session high · 288.40 ✗ Close above the prior 20-session high · 253.23 ✗ Close below the prior 20-session low · 212.61 Donchian channel breakout - the Turtle traders' entry. | No signal | |
| Greenblatt | The Magic Formula excludes banks and financial companies. | Not applicable | |
| Graham | ✗ Price at or below the Graham number · Graham number 211.60 ✓ P/E 15 or less · P/E 10.8 ✗ P/B 1.5 or less (or P/E x P/B 22.5 or less) · P/B 2.11 — Current ratio 2 or more — 10 years of positive earnings, 20 of dividends · history not held Benjamin Graham's defensive-investor tests. | 99/100 | Fair |
| Piotroski | The F-score is built for non-financial companies. | Not applicable |
| Stock | 1M % | 3M % | 6M % | 1Y % | 3Y % | 5Y % | P/E | P/B | ROE % | ROCE % | ROA % | D/E | EV/EBITDA | ₹ Cr | Sales TTM ₹ Cr | Profit TTM ₹ Cr | EPS | Beta |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| APTUS this stock | -10.3 | -30.2 | -13.0 | -31.2 | -27.9 | -33.4 | 10.8 | 2.11 | 20.1 | — | 7.76 | 1.56 | — | 10,679 | 2,306 | 985 | 19.7 | 1.15 |
| PNBHOUSING | +1.3 | +4.5 | +26.6 | +36.8 | +48.5 | +99.1 | 12.9 | 1.56 | 12.7 | — | 2.60 | 3.70 | — | 29,913 | 8,692 | 2,315 | 88.9 | 1.38 |
| AAVAS | -9.2 | -22.1 | -13.9 | -27.3 | -27.8 | -59.0 | 13.5 | 1.83 | 13.9 | — | 3.29 | 3.09 | — | 9,253 | 2,765 | 687 | 86.7 | 0.86 |