APTUS - Fundamental Analysis: Financial Health & Valuation

Last Updated Time : 19 Sept 25, 2:16 pm

Fundamental Rating: 4.1

📊 Core Financials Breakdown

Revenue & Profitability

Quarterly PAT dipped from ₹170 Cr to ₹155 Cr, but YoY growth remains strong with a 21.6% profit variation.

EPS of ₹12.1 is solid, supporting decent earnings visibility.

Return Metrics

ROE at 16.0% and ROCE at 14.3% reflect efficient capital deployment, though slightly below top-tier housing finance peers.

Debt & Leverage

Debt-to-equity ratio of 1.28 is moderate for the sector. Aptus maintains a manageable leverage profile.

Dividend & Cash Flow

Dividend yield of 1.37% is modest but indicates consistent cash generation and shareholder return.

📉 Valuation Indicators

Metric Value Interpretation

P/E Ratio 27.3 Premium vs. industry average (19.9) — overvalued

P/B Ratio ~4.34 High valuation relative to book value ₹75.6

PEG Ratio 1.18 Fairly valued — growth supports earnings multiple

Intrinsic Value ₹290–310 Current price slightly above fair value zone

🏢 Business Model & Competitive Edge

Sector Focus: Aptus operates in affordable housing finance, targeting underserved Tier 2/3 cities.

Moat: Strong local presence, tailored underwriting, and low-cost operations.

Institutional Sentiment: FII (+2.67%) and DII (+6.16%) holding increases signal growing confidence.

📈 Technical & Entry Guidance

Current Price: ₹328, hovering near 200 DMA (₹327) and below 50 DMA (₹336) — neutral zone.

RSI: 44.4 — not overbought, potential for accumulation.

MACD: -1.98 — short-term bearish momentum.

Entry Zone: ₹290–310 is ideal for long-term investors seeking value.

🕰️ Long-Term Holding Outlook

Strengths: Consistent profitability, sector tailwinds, institutional backing.

Risks: Elevated valuation, recent PAT dip, moderate debt.

Recommendation: Accumulate on dips near ₹300. Hold for 3–5 years to benefit from structural housing finance growth.

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