{"id":307645,"date":"2026-10-14T12:42:24","date_gmt":"2026-10-14T07:12:24","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=307645"},"modified":"2026-10-14T12:42:24","modified_gmt":"2026-10-14T07:12:24","slug":"down-24-percent-in-3-months-choice-sees-48-percent-upside-in-aptus-value-housing-finance-initiates-with-buy-check-target-rationale","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/down-24-percent-in-3-months-choice-sees-48-percent-upside-in-aptus-value-housing-finance-initiates-with-buy-check-target-rationale\/","title":{"rendered":"Down 24% in 3 Months, Choice Sees 48% Upside in Aptus Value Housing Finance, Initiates With Buy: Check Target, Rationale"},"content":{"rendered":"

Aptus Value Housing Finance: Choice Institutional Equities initiated coverage with Buy and a target of Rs 330, about 48% above the last close. Share price about Rs 221.85 on 14 Oct 2026, down about 24% in 3 months. Choice cites about 22% AUM growth, strong profitability and an efficient operating model. 52-week range about Rs 194 to Rs 322.<\/em><\/p>\n

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Quick Answer<\/strong><\/p>\n

Choice Institutional Equities initiated coverage of Aptus Value Housing Finance with a Buy rating and a target price of Rs 330, which implies about 48% upside from the last close of roughly Rs 223 (my calculation from the headline) and about 49% from the Rs 221.85 quote on 14 October 2026. The brokerage cites about 22% AUM growth, strong profitability and an efficient operating model for self-employed borrowers in semi-urban and rural South India. The stock is down about 24% in three months, and gross NPA rose to 1.7% in Q1 FY27 from 1.52%, so the call is a bet on a recovery in sentiment and stable asset quality. Some figures in the reports conflict, including Q1 profit and valuation multiples, and I flag those below.<\/p>\n<\/p><\/div>\n

Aptus Value Housing Finance is a housing finance company that lends mainly to self-employed borrowers in semi-urban and rural areas, with a base in Tamil Nadu, Andhra Pradesh and Telangana. The stock has fallen sharply, which is why a Buy call with a 48% upside stands out.<\/p>\n

This guide explains the Choice call, the numbers behind it, the valuation, the asset quality trend and the risks. Where I calculate a figure myself, I label it.<\/p>\n

A target price is a view, so the useful step is to test the reasons behind it.<\/p>\n

Click Here – Get Free Investment Predictions<\/a><\/strong><\/p>\n

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