Aptus Value Housing Finance India Limited Fundamental Analysis (NSE: APTUS.NS)
Aptus Value Housing Finance India Limited Fundamental Analysis (NSE: APTUS.NS)
Aptus Value Housing Finance India Limited (NSE: APTUS.NS) shows strong financial fundamentals with a PE ratio of 12.92, profit margin of 42.33%, and ROE of 20.12%. The company generates $23.3B in annual revenue with strong year-over-year growth of 27.62%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 71.1/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze APTUS.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakAPTUS.NS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAPTUS.NS trades at attractive valuation levels.
Growth Score
ExcellentAPTUS.NS delivers strong and consistent growth momentum.
Financial Health Score
ModerateAPTUS.NS shows balanced financial health with some risks.
Profitability Score
ModerateAPTUS.NS maintains healthy but balanced margins.
Key Financial Metrics
Is APTUS.NS Expensive or Cheap?
P/E Ratio
APTUS.NS trades at 12.92 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, APTUS.NS's PEG of 0.56 indicates potential undervaluation.
Price to Book
The market values Aptus Value Housing Finance India Limited at 2.52 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.90 times EBITDA. This is generally considered low.
How Well Does APTUS.NS Make Money?
Net Profit Margin
For every $100 in sales, Aptus Value Housing Finance India Limited keeps $42.33 as profit after all expenses.
Operating Margin
Core operations generate 56.33 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $20.12 in profit for every $100 of shareholder equity.
ROA
Aptus Value Housing Finance India Limited generates $0.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Aptus Value Housing Finance India Limited generates limited operating cash flow of $-1.28B, signaling weaker underlying cash strength.
Free Cash Flow
Aptus Value Housing Finance India Limited generates weak or negative free cash flow of $-1.31B, restricting financial flexibility.
FCF Per Share
Each share generates $-2.62 in free cash annually.
FCF Yield
APTUS.NS converts -1.03% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.92
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.56
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.52
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.48
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.20
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How APTUS.NS Stacks Against Its Sector Peers
| Metric | APTUS.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.92 | 21.07 | Better (Cheaper) |
| ROE | 20.12% | 647.00% | Weak |
| Net Margin | 42.33% | -1592.00% (disorted) | Strong |
| Debt/Equity | 0.00 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 912.43 | Weak Liquidity |
| ROA | 0.00% | -579.00% (disorted) | Weak |
APTUS.NS outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Aptus Value Housing Finance India Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
203.77%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
214.59%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-68.95%
Industry Style: Value, Dividend, Cyclical
Declining