APTUS - Fundamental Analysis: Financial Health & Valuation
Back to ListFundamental Rating: 3.9
| Stock Code | APTUS | Market Cap | 14,118 Cr. | Current Price | 282 ₹ | High / Low | 365 ₹ |
| Stock P/E | 21.2 | Book Value | 80.5 ₹ | Dividend Yield | 1.67 % | ROCE | 14.3 % |
| ROE | 16.0 % | Face Value | 2.00 ₹ | DMA 50 | 280 ₹ | DMA 200 | 303 ₹ |
| Chg in FII Hold | -2.17 % | Chg in DII Hold | 1.42 % | PAT Qtr | 202 Cr. | PAT Prev Qtr | 155 Cr. |
| RSI | 43.3 | MACD | -3.74 | Volume | 10,50,960 | Avg Vol 1Wk | 6,31,731 |
| Low price | 257 ₹ | High price | 365 ₹ | PEG Ratio | 0.91 | Debt to equity | 1.23 |
| 52w Index | 23.0 % | Qtr Profit Var | 47.6 % | EPS | 13.4 ₹ | Industry PE | 16.4 |
📊 Financials: APTUS shows moderate fundamentals with ROCE at 14.3% and ROE at 16.0%, reflecting decent capital efficiency. Quarterly PAT improved from ₹155 Cr. to ₹202 Cr., showing strong earnings growth. Debt-to-equity at 1.23 indicates high leverage, typical for housing finance companies but adds risk. EPS of ₹13.4 is modest relative to its market cap of ₹14,118 Cr.
💹 Valuation: The stock trades at a P/E of 21.2, above the industry average of 16.4, suggesting mild overvaluation. P/B ratio is ~3.50 (282/80.5), which is moderately expensive compared to peers. PEG ratio of 0.91 indicates valuations are fairly aligned with growth. Dividend yield of 1.67% provides decent income support for investors.
🏢 Business Model & Competitive Advantage: APTUS operates in housing finance, focusing on affordable housing loans. Its competitive advantage lies in niche targeting, strong presence in semi-urban and rural markets, and steady loan book growth. However, high leverage and sensitivity to interest rate cycles remain key risks.
📈 Entry Zone: Technicals show RSI at 43.3 (slightly oversold) and MACD negative, with price below DMA 200 but near DMA 50. Accumulation may be considered near ₹260–275 for long-term investors. Current valuations are reasonable, making this an attractive entry zone for patient investors.
Positive
- Quarterly PAT growth from ₹155 Cr. to ₹202 Cr. (+47.6%).
- DII holdings increased by 1.42%, showing domestic institutional support.
- Dividend yield of 1.67% provides income stability.
Limitation
- High debt-to-equity ratio (1.23) increases financial risk.
- P/E ratio (21.2) above industry average (16.4).
- ROCE (14.3%) and ROE (16.0%) are moderate compared to peers.
Company Negative News
- FII holdings decreased by -2.17%, showing reduced foreign investor confidence.
- Weak technical momentum with MACD negative.
Company Positive News
- DII holdings increased (+1.42%), reflecting domestic institutional support.
- Quarterly PAT growth highlights operational strength.
- Strong trading volumes above average indicate investor interest.
Industry
- Housing finance sector benefits from government push for affordable housing.
- Industry P/E at 16.4 is lower than APTUS, showing sector-wide value opportunities.
- Urbanization and rising middle-class demand support long-term growth.
Conclusion
🔎 APTUS is financially stable with strong earnings growth and decent dividend yield but faces high leverage and moderate return metrics. Entry near ₹260–275 may be considered for long-term investors. Conservative investors should monitor debt levels and interest rate trends before committing to long-term holding.