⚠ Disclaimer: This report is generated using AI tools and is for informational purposes only. It does not constitute investment advice. Please consult a registered financial advisor before making any investment decisions.
APTUS - Fundamental Analysis: Financial Health & Valuation
Back to ListFundamental Rating: 3.8
| Stock Code | APTUS | Market Cap | 10,960 Cr. | Current Price | 219 ₹ | High / Low | 365 ₹ |
| Stock P/E | 16.0 | Book Value | 80.5 ₹ | Dividend Yield | 2.05 % | ROCE | 14.3 % |
| ROE | 16.0 % | Face Value | 2.00 ₹ | DMA 50 | 250 ₹ | DMA 200 | 287 ₹ |
| Chg in FII Hold | -2.17 % | Chg in DII Hold | 1.42 % | PAT Qtr | 160 Cr. | PAT Prev Qtr | 202 Cr. |
| RSI | 31.6 | MACD | -9.81 | Volume | 21,32,394 | Avg Vol 1Wk | 19,50,227 |
| Low price | 217 ₹ | High price | 365 ₹ | PEG Ratio | 0.69 | Debt to equity | 1.23 |
| 52w Index | 1.55 % | Qtr Profit Var | 12.8 % | EPS | 13.7 ₹ | Industry PE | 14.1 |
📊 Financials
- Revenue & Profitability: PAT declined from ₹202 Cr. to ₹160 Cr., showing short-term weakness. EPS at ₹13.7 is modest relative to valuation.
- Margins & Returns: ROCE at 14.3% and ROE at 16.0% are decent, reflecting moderate efficiency.
- Debt & Liquidity: Debt-to-equity ratio of 1.23 indicates high leverage, requiring close monitoring.
- Cash Flow: Dividend yield of 2.05% provides attractive shareholder returns.
💹 Valuation
- P/E Ratio: 16.0 vs Industry PE of 14.1 — trading at a slight premium.
- P/B Ratio: Current price ₹219 vs Book Value ₹80.5 — ~2.7x book value, moderately expensive.
- PEG Ratio: 0.69 — indicates attractive valuation relative to growth.
- Intrinsic Value: Current price is near fair value, offering limited upside but reasonable entry.
🏢 Business Model & Competitive Advantage
- Operates in affordable housing finance, a sector with strong demand drivers.
- High dividend yield supports shareholder value.
- Leverage is high, which reduces flexibility compared to peers.
📈 Entry Zone & Long-Term Guidance
- Entry Zone: Attractive accumulation range between ₹210 – ₹220, near its 52-week low.
- Long-Term Holding: Fundamentals are average with high leverage risk. Suitable for cautious accumulation on dips for long-term exposure to housing finance growth.
✅ Positive
- Dividend yield of 2.05% provides attractive shareholder returns.
- ROE of 16% reflects moderate efficiency.
- DII holdings increased by 1.42%, showing domestic institutional confidence.
⚠️ Limitation
- High debt-to-equity ratio (1.23) increases financial risk.
- Quarterly PAT declined, showing short-term weakness.
- Stock trading below DMA 50 and DMA 200 indicates weak technical momentum.
📉 Company Negative News
- FII holdings declined by 2.17%, showing reduced foreign investor confidence.
- RSI at 31.6 and MACD negative (-9.81) reflect bearish technical signals.
📈 Company Positive News
- Dividend yield supports shareholder value.
- DII holdings increased, showing confidence from domestic institutions.
- PEG ratio of 0.69 indicates attractive valuation relative to growth.
🏭 Industry
- Housing finance sector benefits from urbanization and government support for affordable housing.
- Industry PE at 14.1 is slightly lower than company’s valuation, highlighting premium pricing for APTUS.
🔎 Conclusion
APTUS shows moderate fundamentals with decent efficiency and attractive dividend yield, but suffers from high leverage and weak short-term profitability. While domestic institutions show confidence, foreign investors remain cautious. Best strategy: accumulate cautiously near ₹210–₹220 and hold for long-term exposure to housing finance growth, while monitoring debt levels and profitability trends.