Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Mortgage Finance

Aptus Value Housing Finance India Limited, together with its subsidiary, Aptus Finance India Private Limited, operates as a housing finance company in India. The company offers home construction, purchase, renovation, and extension loans; and loans against property for construction and purchase of houses; and credit shield and property insurance, as well as small business and top-up loans. It serves the self-employed, and low-and middle-income families from rural and semi urban areas. Aptus Value Housing Finance India Limited was incorporated in 2009 and is headquartered in Chennai, India.

Revenue projections:

Revenue projections for APTUS
Revenue projections for APTUS

The projected decline in APTUS's revenues compared to last year is expected to make investors cautious. A drop in revenue often has a direct negative effect on the company's bottom line, signaling potential challenges that could undermine investor confidence and reduce overall profitability.

Financial Ratios:

currentRatio 239.779000
forwardPE 15.367673
debtToEquity 159.223000
earningsGrowth 0.268000
revenueGrowth 0.825000
grossMargins 1.000000
operatingMargins 0.559790
trailingEps 15.010000
forwardEps 18.650000

A current ratio of 239.779 for Aptus Value Housing Finance India Limited implies that the company has ample liquidity to meet its short-term debts. Aptus Value Housing Finance India Limited's cash reserves and current assets should easily cover these obligations, highlighting its financial stability and ability to manage short-term liabilities.
APTUS's Forward PE ratio is favorable, indicating that the stock price is well-positioned in relation to its earnings. It is not overpriced, leaving room for growth, which makes it a solid option for investors seeking both stability and future appreciation.
APTUS's elevated debt-to-equity ratio suggests that the company is using significant debt to finance its operations. This level of leverage can amplify financial risk, particularly if profitability decreases or external conditions become unfavorable.
APTUS's positive earnings and revenue growth suggest that the company is poised for business expansion. This financial strength indicates that APTUS is expected to continue growing, with rising profits and sales contributing to its long-term success.
APTUS's positive gross and operating margins indicate that the company is performing profitably. These margins reflect efficient cost control and revenue generation, signaling a strong financial foundation for continued success.
APTUS's forward EPS exceeding its trailing EPS reflects expectations of increased profitability for the current year. This suggests that the company is projected to achieve higher earnings than in the previous financial year, signaling positive growth and improved financial health.

Price projections:

Price projections for APTUS
Price projections for APTUS

APTUS's stock price has repeatedly hovered near the lower end of projections. This trend indicates that the company may be facing obstacles in achieving the growth anticipated by analysts.

Recommendation changes over time:

Recommendations trend for APTUS
Recommendations trend for APTUS


APTUS has received a favorable buy bias from analysts recently, positioning it as a solid investment opportunity. This sentiment may attract more investors, who view APTUS as a stable option to park their money and potentially benefit from the company's continued growth and profitability.