financial_services

Aptus Value Housing

APTUS · Nifty 50

₹270.1

Price 2026-06-17

BROAD EXPANSION73% confidence

At a Glance

Sector Positionfinancial_services sector. Flow: neutral. is not among current leaders. Regime: BROAD EXPANSION (73%).

Fundamental Score92/100 (STRONG). 0 positive flags, 3 concerns.

Historical Context48 similar technical setups. Average outcome: -7.4% decline. 0% positive.

Bank HealthROA 7.08% · PB 2.7 · Asset growth 16.0%.

Fundamental

92/100

STRONG

Trust

90/100

Verification

Coverage

44/100

LIMITED

Quick Take

Aptus Value Housing scores 92/100 on fundamentals (strong). Aptus Value Housing: BROAD EXPANSION regime.

Fundamental Score: 92/100 · STRONG · 2 signals detected

DuPont Analysis

ROE 18.3% broken into three drivers. Each shows how efficiently the company generates returns.

ROE18.3%=

59.3%Net Margin

0.1xTurnover

2.6xLeverage

ROE of 18.25% is moderate margin-driven and stable. Net margin of 59.3% × asset turnover of 0.12x × leverage of 2.6x. Low asset turnover is normal for banks.

What This Means

Net margin of 59.3% means the company keeps ₹59.3 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.12x means the company generates ₹0.12 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 2.6x means the company uses moderate debt. Returns are primarily driven by operations, not borrowing.

Margin Structure

Gross

100.0%

Operating

Net

59.3%

improving

Financial Health

Peer Comparison

Aptus Value Housing is compared against 10 peers in the financial_services sector.

360ONE AADHARHFC ABCAPITAL ANANDRATHI ANGELONE BAJAJFINSV BAJAJHLDNG BAJFINANCE BSE CAMS

Bank Metrics

Return on Assets

7.08%

Benchmark: >1%

Efficiency Ratio

40.7%

Lower is better

Asset Growth

+16.0%

Year over year

PB Ratio

2.7x

Price to book

ROA of 7.08% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 2.69x — trading above book. Premium valuation — market pricing in high growth expectations.

Key Watchpoints

🟢

Breaks above ₹284 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹257 (-5%)

Further downside risk

🟢

Financial_Services sector entering leadership

Sector rotation signal

Detected Patterns

✅ Strong ROA: ROA of 7.08% — above 1% benchmark for banks

✅ Strong Loan Book Growth: Assets growing 16.0% — loan book expansion

Risk Flags

🔴 1 Critical⚠️ 2 Warning3 total flags

🔴Operating cash flow significantly below net income

Cash Flow

OCF is only -0.6x net income. Profit not converting to cash — aggressive accounting possible.

⚠️Working capital changes are 245% of operating cash flow

Cash Flow

Working capital is consuming significant cash. Operational efficiency declining.

⚠️Price/Sales: 8.9x — expensive on revenue basis

Valuation

High revenue multiple. Market pricing in significant growth or margins expansion.

⚠️ 1 critical + 2 warning flags. Exercise caution.

Data Quality

90/100All ratios self-computed from verified sources. 🟢 5 years of financial data — sufficient for trend analysis

News Correlation

margin pressure (4)management outlook (4)

⚠️ Our margin analysis (improving) contradicts news reports of margin pressure — investigate

50 articles scanned for fundamental themes

Facts

P/E Ratio

14.4UNAVAILABLE

P/B Ratio

2.7HIGH

Market Cap

₹1360518.0L CrHIGH

From 52W High

74% of high

Sector Peers

← All Stocks Market GPS Daily Brief financial_services Sector