Aptus Value Housing Finance India Ltd is a specialized housing finance company focused on serving self-employed, low- and middle-income customers in semi-urban and rural India. Founded in 2012 and headquartered in Chennai, the company primarily finances first-time homebuyers using self-occupied residential property as collateral. With a strong asset quality track record, high operating margins (~84%), and consistent loan book growth, Aptus has emerged as a credible player in the affordable housing finance segment. Backed by institutional investors and aligned with India’s “Housing for All” mission, it offers a compelling long-term investment case. This article provides a data-backed outlook on the Aptus Value Housing share price target 2026–2030.
Aptus Value Housing Finance India Ltd: Company Overview
- Founded: 2012
- Headquarters: Chennai, Tamil Nadu
- Key Segment: Affordable housing loans (95%+ of advances)
- Target Customers: Self-employed individuals in Tier-2/3 towns and rural areas
- Market Position: Among the fastest-growing HFCs in the sub-₹25 lakh ticket size segment
Aptus operates with a lean, technology-driven model and maintains one of the highest operating profit margins in the financial services sector. Its focus on secured, owner-occupied housing has resulted in low GNPA (<1%) and strong collection efficiency.
Aptus Value Housing Finance India Ltd: Key Financial Snapshot
| Metric | Value |
|---|---|
| Current Share Price | ₹267.00 |
| Market Capitalization | ₹13,377.08 Cr |
| No. of Shares Outstanding | 50.07 Cr |
| 52-Week High / Low | ₹365 / ₹257 |
| P/E Ratio (TTM) | 20.03 |
| P/B Ratio | 3.32 |
| EPS (TTM) | ₹13.34 |
| Book Value (TTM) | ₹80.52 |
| ROE | 16.06% |
| ROCE | 14.30% |
| Dividend Yield | 1.73% |
| Face Value | ₹2 |
| Operating Revenue | ₹1,294.03 Cr |
| Net Profit | ₹575.44 Cr |
| Sales Growth (YoY) | 18.96% |
| Profit Growth (YoY) | 19.73% |
| Promoter Holding | 23.87% |
Aptus Value Housing Finance India Ltd Share Price Target Forecast (2026–2030)
| Year | Target Price Range (₹) |
|---|---|
| 2026 | ₹285 – ₹320 |
| 2027 | ₹305 – ₹350 |
| 2028 | ₹325 – ₹385 |
| 2029 | ₹345 – ₹420 |
| 2030 | ₹365 – ₹455 |
Aptus Value Housing Finance India Ltd Share Price Target 2026
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2026 | ₹285 | ₹320 |
Aptus reported 19.73% YoY profit growth and 18.96% sales growth in FY2025, driven by strong disbursement momentum in its core affordable housing segment. Trading at a P/E of 20x and P/B of 3.3x, the stock reflects a premium for its high ROE (16%) and asset quality. A 2026 target of ₹285–₹320 assumes continued loan book expansion and stable margins.
Aptus Value Housing Finance India Ltd Share Price Target 2027
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2027 | ₹305 | ₹350 |
The company’s focus on digital underwriting and rural penetration supports scalability. If EPS reaches ₹15–₹16 by FY27 and P/E holds at 20–21x, the 2027 range of ₹305–₹350 is realistic.
Aptus Value Housing Finance India Ltd Share Price Target 2028
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2028 | ₹325 | ₹385 |
By 2028, benefits from brand recall and deeper distribution should reflect in profitability. Assuming EPS of ₹16–₹18 and P/E of 20–21x, the ₹325–₹385 band is justified.
Aptus Value Housing Finance India Ltd Share Price Target 2029
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2029 | ₹345 | ₹420 |
Long-term tailwinds include India’s housing shortage (20 million units) and rising credit penetration in rural areas. Using a P/E of 21–22x on projected EPS (~₹16.50–₹19), the 2029 target is ₹345–₹420.
Aptus Value Housing Finance India Ltd Share Price Target 2030
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2030 | ₹365 | ₹455 |
Over a five-year horizon, Aptus’ value lies in its niche focus and capital efficiency—not explosive scale. A terminal P/E of 22–23x on FY30 EPS (~₹17–₹20) supports the ₹365–₹455 range.
Aptus Value Housing Finance India Ltd: Shareholding Pattern
| Category | Holding (%) |
|---|---|
| Foreign Institutional Investors (FII) | 33.19% |
| Domestic Institutional Investors (DII) | 27.30% |
| Promoters | 23.87% |
| Public & Retail | 15.65% |
| Others | 0.00% |
High institutional ownership (60.5%) reflects confidence in governance and execution. Promoter holding has declined post-IPO but remains stable.
Aptus Value Housing Finance India Ltd: Strengths vs Risks
Strengths:
- Industry-leading OPM (~84%) and healthy ROE (16.06%)
- Low GNPA (<1%) and strong collection efficiency
- Pure-play exposure to India’s affordable housing boom
- Consistent dividend payer (1.73% yield; ~35% payout ratio)
Risks:
- P/B of 3.32x leaves a limited margin for error
- Exposure to rural income volatility and monsoon dependence
- Rising competition from banks and NBFCs in the HFC space
- Promoter holding reduced significantly post-listing (from 62% to 23.87%)
Investment Suitability
| Factor | Assessment |
|---|---|
| Risk Profile | Moderate |
| Ideal Time Horizon | 3–5+ years |
| Volatility | Moderate (small-cap HFC) |
| Dividend/Income Potential | Yes (1.73% yield + consistent payouts) |
| Best For | Growth-oriented investors seeking affordable housing exposure |
- FIIs: 33.19% (e.g., Vanguard, Fidelity)
- DIIs: 27.30% (mutual funds, insurance companies)
- Promoters: 23.87% (original founders)
- Retail: 15.65%
Listing Date: December 8, 2023 (on NSE & BSE)
Final Verdict
Aptus Value Housing Finance combines niche focus, operational excellence, and policy tailwinds in India’s affordable housing sector. While not a high-growth multibagger, it offers steady compounding with income. Our Aptus share price target 2026–2030 (₹285 to ₹455) reflects realistic appreciation driven by loan book scaling and margin resilience—not speculation.
Disclaimer: Price targets are estimates based on publicly available data and sector analysis. They are not investment advice. Consult a SEBI-registered advisor before making decisions.
Sources
- Screener.in – Aptus Consolidated Page (FY2025 + TTM)
- Moneycontrol – Aptus Stock Overview & Dividend History
- Aptus Investor Presentation (Q2 FY26, Nov 2025)
- BSE/NSE – IPO and Listing Documents (2023)
- RBI Housing Finance Sector Report (2025)
