Aptus Value Housing Finance India Share Price Target 2027: Base and Bull Targets Built on FY26 Earnings
- October 9, 2026
- Posted by: Kunal Singla
- Category: Market
Aptus Value Housing Finance India share price Rs 212.90 (9 October 2026). Base target Rs 260, bull Rs 312, downside risk Rs 173. PE 11.03. 52W range Rs 193.03 to Rs 322.75.
Quick Answer
The Aptus Value Housing Finance India share price target for 2027 is Rs 260, about 22.1% above the current price of Rs 212.90. The bull case is Rs 312, and the downside risk level, which is not a target, is Rs 173. The base case assumes earnings per share grow 20.0% a year, a cap applied because the FY24 to FY26 pace was 24.2%, with the stock holding its PE of 11.03. These are model-based estimates built from reported financials, not guaranteed outcomes.
Investors weighing an Aptus Value Housing Finance India target price for 2027 should start with where the stock sits today. At Rs 212.90 on 9 October 2026, it is 34.0% below its 52-week high of Rs 322.75 and 10.3% above its 52-week low of Rs 193.03. That range spans 67% from low to high, so the entry point matters as much as the Aptus Value Housing Finance India price forecast itself.
This article builds the Aptus Value Housing Finance India share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario shows its assumptions, so you can see exactly how the Rs 260 base case and the Rs 312 bull case were reached, along with a downside risk level of Rs 173.
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Aptus Value Housing Finance India Stock Analysis: Company Overview and Key Stats
Aptus Value Housing Finance India (NSE: APTUS) has a market capitalisation of Rs 10,863 crore. In FY26 it reported revenue of Rs 2,245 crore and net profit of Rs 942.94 crore. The table collects the figures the Aptus Value Housing Finance India share price target is built on.
| Metric | Value |
|---|---|
| Company | Aptus Value Housing Finance India |
| NSE Ticker | APTUS |
| CMP (9 October 2026) | Rs 212.90 |
| 52-Week High | Rs 322.75 |
| 52-Week Low | Rs 193.03 |
| Market Cap | Rs 10,863 crore |
| PE Ratio (TTM) | 11.03 |
| Industry PE | 17.72 |
| Price to Book | 2.15 |
| Return on Equity | 18.64% |
| Debt to Equity | 1.56 |
| EPS (TTM) | Rs 19.66 |
| Dividend Yield | 2.07% |
| 12-Month Base Target | Rs 260 |
| Bull Case | Rs 312 |
| Downside Risk Level (not a target) | Rs 173 |
Why Is Aptus Value Housing Finance India Share Price Target Set at Rs 260 for 2027?
The base-case Aptus Value Housing Finance India stock target of Rs 260 applies a PE multiple of 11.03 to a forward EPS estimate of Rs 23.59. That EPS assumes 20.0% yearly growth, the pace from FY24 to FY26, and puts the target 22.1% above the current price. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.
Earnings Growth Behind the Aptus Value Housing Finance India Target Price: Five Years of Results
Aptus Value Housing Finance India grew revenue from Rs 840.22 crore in FY22 to Rs 2,245 crore in FY26, a compound annual growth rate of 27.9%. Net profit grew more slowly, from Rs 370.14 crore to Rs 942.94 crore (26.3% a year), which points to margin pressure alongside the sales growth.
| Financial Year | Revenue (Rs Cr) | Net Profit (Rs Cr) | EPS (Rs) | Dividend per Share (Rs) |
|---|---|---|---|---|
| FY22 | 840.22 | 370.14 | 7.53 | 0.00 |
| FY23 | 1,133.64 | 503.01 | 10.08 | 2.00 |
| FY24 | 1,409.19 | 611.90 | 12.21 | 4.50 |
| FY25 | 1,798.40 | 751.25 | 15.01 | 4.50 |
| FY26 | 2,245.48 | 942.94 | 18.84 | 4.50 |
FY26 revenue growth was 24.9%, slower than the four-year average of 27.9%, and net profit moved up 25.5%. EPS rose from Rs 12.21 in FY24 to Rs 18.84 in FY26. The FY27 outlook depends on whether that EPS estimate keeps compounding.
Margins and the Latest Quarter
Aptus Value Housing Finance India converted 42.0% of FY26 revenue into net profit, against 41.8% in FY25, within a five-year range of 41.8% to 44.4%. EBITDA margin was 83.4% in FY26 versus 84.9% in FY25.
In the June 2026 quarter, revenue was Rs 610.66 crore, up 15.2% from the same quarter a year earlier, while net profit of Rs 260.94 crore was up 19.0%. EBITDA came in at Rs 502.26 crore, up 11.8% year on year. The next quarterly result is the first test of whether the earnings assumption holds.
Balance Sheet and Cash Flow
Debt to equity stands at 1.56, and shareholders’ equity grew from Rs 2,916 crore in FY22 to Rs 5,060 crore in FY26. Operating cash flow in FY26 was negative at Rs 489.26 crore against capital expenditure of Rs 6.38 crore, leaving negative free cash flow of Rs 495.64 crore. In FY25 free cash flow was negative at Rs 1,412 crore.
Valuation Check for the Aptus Value Housing Finance India Stock Target: PE, Price to Book and ROE
At a PE of 11.03 against an industry PE of 17.72, Aptus Value Housing Finance India trades at a discount to its industry. Price to book is 2.15 on a book value of Rs 100.68 per share, and return on equity is 18.64%. A PE of 11.03 equals an earnings yield of 9.1%, and the FY26 dividend of Rs 4.50 per share gives a yield of 2.07%.
Shareholding Pattern and Institutional Holding
Promoters held 23.86% of Aptus Value Housing Finance India in June 2026, and promoter holding fell from 40.37% in June 2025 to 23.86% in June 2026. Foreign institutional investors (FII) held 29.95% and domestic institutions (DII) held 29.91%, which puts total institutional holding at 59.86%. FII holding fell from 30.40% in June 2025 to 29.95% in June 2026. Public shareholders own the remaining 16.27%. A meaningful institutional holding adds a layer of research coverage and trading depth.
Aptus Value Housing Finance India Share Price Targets for the Short Term and 12 Months
Short Term Aptus Value Housing Finance India Stock Target Levels: Technical Setup
At Rs 212.90 on 9 October 2026, Aptus Value Housing Finance India trades below its 50-day simple moving average of Rs 248.48 and below its 200-day exponential moving average of Rs 263.78. The 14-day RSI reads 29.6, which is oversold territory, and the MACD line sits below its signal line. The nearest resistance level is Rs 248.48 (50-day simple moving average) and the nearest support is Rs 193.03 (52-week low). A sustained move above Rs 248.48 would improve the short-term setup, while a close below Rs 193.03 would shift attention to the next support.
12 Month Aptus Value Housing Finance India Target Price for 2027
The 12-month target for Aptus Value Housing Finance India is Rs 260: forward EPS of Rs 23.59 at a PE of 11.03. That is 22.1% above Rs 212.90. It would still leave the stock 19.4% below its 52-week high of Rs 322.75. Anyone checking the Aptus Value Housing Finance India share price target against their own view should focus on two inputs: the EPS estimate and the PE multiple.
How EPS Growth and PE Multiple Change the Aptus Value Housing Finance India Target Price
| EPS Growth | PE 8.82 | PE 11.03 | PE 12.68 |
|---|---|---|---|
| 0.0% (EPS Rs 19.66) | Rs 173 | Rs 217 | Rs 249 |
| 20.0% (EPS Rs 23.59) | Rs 208 | Rs 260 | Rs 299 |
| 25.0% (EPS Rs 24.57) | Rs 217 | Rs 271 | Rs 312 |
Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the Aptus Value Housing Finance India price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.
Bull Case and Downside Risk for Aptus Value Housing Finance India Stock Target in 2027
Bull Case Rs 312
The bull case Aptus Value Housing Finance India price target needs EPS growth of 25.0%, which lifts forward EPS to Rs 24.57, and a PE multiple that rises 15% to 12.68. That gives Rs 312, 46.5% above the current price and below the 52-week high of Rs 322.75.
Downside Risk Level Rs 173
The downside risk level is not a target. It assumes EPS stays flat at Rs 19.66 and the PE falls 20% to 8.82. That gives Rs 173, 18.7% below the current price and below the 52-week low of Rs 193.03.
| Scenario | EPS Growth | PE Multiple | Price (Rs) | Change vs CMP |
|---|---|---|---|---|
| Bull Case | 25.0% | 12.68 | Rs 312 | +46.5% |
| Base Case | 20.0% | 11.03 | Rs 260 | +22.1% |
| Downside Risk | 0.0% | 8.82 | Rs 173 | -18.7% |
Key Risks to the Aptus Value Housing Finance India Target Price for 2027
Growth Slowdown Risk for the Aptus Value Housing Finance India Price Target
Revenue in the June 2026 quarter was up 15.2% year on year, and FY26 revenue growth was 24.9%. If growth slows from here, the EPS estimate behind the Aptus Value Housing Finance India stock target will need revising.
Liquidity and Size Risk
Aptus Value Housing Finance India has a market capitalisation of Rs 10,863 crore. Institutional holding is 59.86%, and promoters hold 23.86%. Stocks of this size are usually liquid, though exits can take longer than entries when the market is falling.
Valuation and Margin Risk
Net margin was 42.0% in FY26, and a squeeze from higher costs or weaker pricing would hit earnings first. At a PE of 11.03 versus an industry PE of 17.72, a de-rating toward the downside-risk PE of 8.82 would cut the price even if earnings hold.
Market and Technical Risk
The stock trades 34.0% below its 52-week high, with an RSI of 29.6 and a MACD reading below its signal line. Broader market weakness can override company fundamentals in the short term. That applies to any Aptus Value Housing Finance India stock target, however carefully it is built.
How to Invest in Aptus Value Housing Finance India
Start with the live price and volume. Any Aptus Value Housing Finance India share price target is only as current as the data behind it, and the data here is as of 9 October 2026, so refresh the Rs 212.90 price before acting on any level.
Next, review the fundamentals yourself. The Univest Screener lets you check Aptus Value Housing Finance India’s PE, ROE, debt and shareholding in one place.
Check Aptus Value Housing Finance India fundamentals on the Univest Screener
Then compare the three Aptus Value Housing Finance India target price scenarios with your own view. If you expect EPS growth below 20.0%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.
Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.
Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.
Download the Univest iOS App or Univest Android App to track Aptus Value Housing Finance India live price and get daily stock recommendations.
Conclusion
The Aptus Value Housing Finance India share price target for 2027 is Rs 260 in the base case, with Rs 312 as the bull case. The support for that view is arithmetic you can check: EPS grew 24.2% a year over FY24 to FY26, and the stock trades at a PE of 11.03. The risks are equally concrete, including a stock that sits 34.0% below its 52-week high and a downside scenario that cuts the price 19% if earnings stall. Use these numbers as a framework, check them against the latest filings, and size any position to your own risk appetite.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on Aptus Value Housing Finance India Share Price Target 2027
What is the Aptus Value Housing Finance India share price target for 2027?
Ans. The base-case Aptus Value Housing Finance India share price target for 2027 is Rs 260, with Rs 312 as the bull case. The downside risk level, which is not a target, is Rs 173. These are model estimates from reported earnings and the current PE, not guaranteed outcomes.
What is the Aptus Value Housing Finance India share price today?
Ans. As of 9 October 2026, 12:52 PM IST, Aptus Value Housing Finance India trades at Rs 212.90, down 1.85% on the day. The 52-week range is Rs 193.03 to Rs 322.75.
Is Aptus Value Housing Finance India a buy or sell at the current price?
Ans. The data is mixed rather than one-sided: EPS has grown 24.2% a year over FY24 to FY26, but the stock is 34.0% below its 52-week high. Whether Aptus Value Housing Finance India fits your portfolio depends on your time horizon and risk appetite, so consult a SEBI-registered advisor before investing. This article is not investment advice.
What are the bull case target and downside risk level for Aptus Value Housing Finance India shares?
Ans. The bull case target is Rs 312, which assumes 25.0% EPS growth and a PE of 12.68. The downside risk level is Rs 173, which assumes flat EPS and a PE of 8.82. It marks a risk, not a target.
What are the main risks to the Aptus Value Housing Finance India price target?
Ans. The main risks are slower revenue growth, a small market capitalisation of Rs 10,863 crore, a PE de-rating and short-term weakness in the broader market. Each is covered in the risk section above.
What is the PE ratio of Aptus Value Housing Finance India and how does it compare with the industry?
Ans. The PE ratio of Aptus Value Housing Finance India is 11.03 against an industry PE of 17.72. Price to book is 2.15 and return on equity is 18.64%. The base case in the Aptus Value Housing Finance India price target holds this PE constant.
Who owns Aptus Value Housing Finance India, and what is the promoter holding?
Ans. Promoters held 23.86% of Aptus Value Housing Finance India in June 2026. FII held 29.95%, DII held 29.91% and the public held 16.27%.
What were Aptus Value Housing Finance India’s latest quarterly results?
Ans. In the June 2026 quarter, Aptus Value Housing Finance India reported revenue of Rs 610.66 crore (up 15.2% year on year) and net profit of Rs 260.94 crore (up 19.0%).
