Aptus Value Hsg Fin I Ltd

APTUS NSE Financial Services Housing Finance Company
Nifty 500 Smallcap 100 Smallcap 250
₹247.00
-2.06%
Delayed · cached 15 min

Fair value analysis

APTUS
Aptus Value Hsg Fin I Ltd
Financial Services›Housing Finance Company
₹252.20
Close used for this calculation
₹355.88Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
73/100
Profitability25/25
Returns19/25
Balance Sheet9/25
Efficiency20/25
Growth23/25
Strong
Quality radar
73Prof.25/25Ret.19/25Eff.20/25B.Sht9/25Growth23/25

Consensus fair value

₹355.88
Below FV
▲ +41.1% against the close used
Model range ₹212.33 – ₹848.02
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹212.33Fair value₹355.88Bull₹848.02
FairClose
52-week traded range
52W low ₹194.5752W high ₹340.70

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Aptus Value Hsg Fin I Ltd closed at ₹252.20, 29.1% below the consensus fair value of ₹355.88 drawn from 9 valuation models.

Financial DNA score 73/100 — Strong. P/E of 12.7x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹373.76
+48.2%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹212.33
-15.8%
√(22.5 × EPS × BVPS)
EPS=18.83, BVPS=106.41 · outside Graham range (P/E 12.7, P/B 2.4) — asset-light, treat as a rough floor
Graham Formula
₹848.02
+236.3%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=20%, FD=7%
P/E Fair Value
₹250.44
-0.7%
EPS × 13.3x (sector P/E)
EPS=18.83, Sector P/E=13.3x
Peter Lynch (PEG)
₹434.97
+72.5%
EPS × Growth% (PEG = 1 is fair)
EPS=18.83, g=23.1%
Dividend Discount (DDM)
₹246.50
-2.3%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=4.56, r=10%, g=8%
Book Value (P/B)
₹375.11
+48.7%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=106.41, ROE=20.1%, g=6%, r=10%
Reverse DCF
₹252.20
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 1.7% | Historical: 23.1%
Margin of Safety
₹315.85
+25.2%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=421.14, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.