Aptus Value Housing Finance
Stock Snapshot
Price Performance
Vista Outlook
View Technicals Analysis →Basis of our Recommendation
Aptus Value Housing Finance is positioned for sustainable growth, supported by a robust strategy focused on branch expansion and a technology-driven approach to enhance operational efficiency. Management's recent commentary highlights a strong outlook for AUM growth, projecting 22-24% for FY27, driven by increased disbursements and entry into new markets. Despite facing temporary challenges in asset quality, improvements in collection efficiency signal a rebound, reinforcing Vista's forecast of stable margins and attractive valuation. The company's commitment to maintaining spreads and disciplined cost management further supports its financial outlook. However, rising competition in the affordable housing sector and potential interest rate volatility remain key watchpoints. Overall, the favorable macro environment for housing finance, coupled with Aptus's strategic initiatives, positions the company well for continued growth over the next 12-24 months
Why We Like This Stock
- Projected AUM growth of 22-24% for FY27 driven by branch expansion and higher disbursement rates
- Improvements in asset quality and collection efficiency indicate a recovery from temporary setbacks
- Strong operational efficiency and disciplined cost management support stable margins and attractive valuation
Things To Watch Out For
- Rising competition in the affordable housing finance sector could impact market share and pricing power
- Potential interest rate volatility poses risks to profitability and operational stability
- Temporary asset quality challenges may affect investor sentiment despite recent improvements
Key Parameters
Financial Snapshot
| Actuals | Forecast | ||||
|---|---|---|---|---|---|
| FY24 | FY25 | FY26 | FY27 | FY28 | |
| Revenue (Cr.) | 976 | 1,208 | 1,544 | 1,608 | 1,911 |
| Profit Before Tax (Cr.) | 793 | 975 | 1,211 | 1,320 | 1,587 |
| PBT Margin | 81.2% | 80.7% | 7843.3% | 82.1% | 83.0% |
| Net Profit (Cr.) | 606 | 751 | 948 | 1,035 | 1,244 |
| Earnings Per Share | 12.1 | 15.0 | 18.9 | 20.7 | 24.8 |
Analyst Recommendations
| Broker | Recommendation | Target Price | Date |
|---|---|---|---|
| Axis Securities | ▲ Buy | 325 | 03-Aug-2026 |
| Bernstein | ▲ Buy | 350 | 08-Apr-2026 |
| Citigroup | ▲ Buy | 350 | 29-Jun-2026 |
| HDFC Securities | ► Add | 305 | 08-May-2026 |
| ICICI Securities | ► Hold | 305 | 08-May-2026 |
| IDBI Capital | ▲ Buy | 305 | 03-Aug-2026 |
| Morgan Stanley | ▲ Overweight | 405 | 03-Aug-2026 |
Company Overview
Show Company Profile
Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, provides housing finance solutions in India. The company offers home and quasi-home loans for the purchase, construction, renovation, and extension of houses; loans against property for construction and purchase of houses; and secured, small business, and refinance loans. It also provides life, credit shield, and property insurance products. The company serves individual homebuyers; low and middle income salaried and self-employed individuals; and first-time homeowners from rural and semi-urban markets. Aptus Value Housing Finance India Limited was incorporated in 2009 and is headquartered in Chennai, India.