Aptus Value Housing Finance India (NSE:APTUS) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:APTUS Aptus Value Housing Finance India Ltd NSE:APTUS
70 GF Score
Price ₹281.30
GF Value ₹479.51
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is Aptus Value Housing Finance India Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Aptus Value Housing Finance India is: High Risk: High uncertainty with risk-return tradeoff.

Aptus Value Housing Finance India  (NSE:APTUS) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Aptus Value Housing Finance India Risk Assessment Related Terms

NSE:APTUS vs RKT, FNMA, PFSI: Risk Assessment Comparison

For the Mortgage Finance subindustry, Aptus Value Housing Finance India's Risk Assessment, along with its competitors' market caps and Risk Assessment data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Aptus Value Housing Finance India Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, Aptus Value Housing Finance India's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Aptus Value Housing Finance India's Risk Assessment falls into.


NSE:APTUS
70GF Score
Aptus Value Housing Finance India Ltd NSE:APTUS
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Aptus Value Housing Finance India (NSE:APTUS) Overvalued in 2026?

Based on GuruFocus' analysis, Aptus Value Housing Finance India stock appears to be undervalued. The current stock price of ₹281.30 is trading 41.3% below its estimated GF Value™ of ₹479.51. GuruFocus considers Aptus Value Housing Finance India to be Significantly Undervalued.

Key valuation signals for NSE:APTUS:

  • Risk Assessment:
  • GF Value™: ₹479.51 vs. price of ₹281.30 (41.3% below fair value)
  • GF Score™: 70/100 with 2 warning signs

No single metric tells the full story. See the NSE:APTUS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Aptus Value Housing Finance India Business Description

Other Exchanges 543335:India
Address No. 205, Poonamallee High Road, No. 8B, Doshi Towers, 8th Floor, Kilpauk, Chennai, TN, IND, 600010
Aptus Value Housing Finance India Ltd is a retail-focused housing finance company that predominantly serves low and middle-income customers in the rural and semi-urban markets of India. The company offers home loans to retail customers to purchase homes, construct residential properties, house improvement and extension, loans against property, and business loans. It undertakes all types of lending activities such as sourcing, underwriting, valuation, and legal assessment of collateral, credit assessment, and collection. The company's only segment is providing long-term housing finance, loans against property, and refinance loans. Geographically, it derives revenue from India.
70GF Score

Get the complete analysis for NSE:APTUS

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹281.30
Price
₹479.51
GF Value