Aptus Value Housing Finance India Ltd Falls to 52-Week Low of Rs.262.5

Recent Price Movement and Market Context

On 20 Jan 2026, Aptus Value Housing Finance India Ltd touched its new 52-week low of Rs.262.5. This decline comes as the stock trades below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling sustained downward momentum. The day’s performance was in line with the housing finance sector, which has also faced pressure amid broader market weakness.

The benchmark Sensex opened flat but soon turned negative, closing down by 604.54 points or 0.77% at 82,602.84. The index remains 4.31% below its 52-week high of 86,159.02 and has recorded a three-week consecutive decline, losing 3.68% over this period. While the Sensex trades below its 50-day moving average, the 50DMA remains above the 200DMA, indicating mixed technical signals for the broader market.

Against this backdrop, Aptus Value Housing Finance India Ltd’s stock has underperformed the Sensex, delivering a negative return of 10.01% over the past year compared to the Sensex’s positive 7.17% gain. The stock’s 52-week high was Rs.364.85, highlighting the extent of the recent correction.

Financial Performance and Valuation Metrics

Aptus Value Housing Finance India Ltd maintains a strong long-term fundamental profile. The company has delivered an average Return on Equity (ROE) of 16.20%, reflecting consistent profitability. Operating profit has grown at an annual rate of 29.54%, underscoring healthy business expansion over recent years.

In the latest six-month period, the company reported net sales of Rs.1,064.30 crore, representing a growth rate of 30.38%. Profit after tax (PAT) for the same period stood at Rs.445.80 crore, up 26.03%. The quarterly Profit Before Depreciation, Interest, and Taxes (PBDIT) reached a peak of Rs.452.83 crore, indicating robust earnings generation.

Valuation metrics remain attractive, with the stock trading at a Price to Book Value of 2.9 and an ROE of 18.1 in the latest assessment. The company’s PEG ratio is 0.7, suggesting that earnings growth is favourable relative to the stock price. Despite the recent price decline, the stock is valued fairly compared to its peers’ historical averages.

However, the stock’s performance has lagged behind the BSE500 benchmark for the past three years, with consistent underperformance in annual returns. This trend is reflected in the stock’s negative 10.01% return over the last year, despite a 24.9% increase in profits during the same period.

Shareholding and Market Pressure

A notable concern is the high proportion of promoter shares pledged, which currently stands at 80.46%. This level of pledged shares has increased by 32.81% over the last quarter. Elevated pledged shareholding can exert additional downward pressure on the stock price, particularly in declining markets, as it may lead to forced selling or heightened market sensitivity to price movements.

The combination of this factor with the stock’s recent price weakness and underperformance against benchmarks contributes to the current market sentiment surrounding Aptus Value Housing Finance India Ltd.

Technical and Sectoral Considerations

The stock’s position below all major moving averages indicates a prevailing bearish technical trend. This is compounded by the broader sectoral pressures within the housing finance industry, which has faced challenges in recent trading sessions. The sector’s performance today was in line with Aptus Value Housing Finance India Ltd’s decline, reflecting a cautious market environment.

While the Sensex has shown some resilience by maintaining its 50DMA above the 200DMA, the index’s recent three-week decline and proximity to its 52-week high suggest a period of consolidation and volatility. Aptus Value Housing Finance India Ltd’s underperformance relative to the benchmark highlights the stock’s sensitivity to these market dynamics.

Investors observing the stock’s trajectory will note the contrast between the company’s solid financial results and the current market valuation pressures. The stock’s recent price action underscores the influence of external market factors and shareholding structure on its trading levels.

Summary of Key Metrics

To summarise, Aptus Value Housing Finance India Ltd’s key data points as of 20 Jan 2026 include:

• New 52-week low price: Rs.262.5


• Four consecutive days of decline, totalling -4.19% returns


• Trading below all major moving averages (5, 20, 50, 100, 200 days)


• Market cap grade: 3


• Mojo Score: 53.0 with a Hold grade, upgraded from Sell on 14 Jan 2026


• Promoter share pledge at 80.46%, increased by 32.81% in the last quarter


• One-year stock return: -10.01% versus Sensex’s +7.17%


• Operating profit annual growth rate: 29.54%


• Net sales growth (latest six months): 30.38%


• PAT growth (latest six months): 26.03%


• Price to Book Value: 2.9


• PEG ratio: 0.7

The combination of these factors paints a comprehensive picture of the stock’s current standing within the housing finance sector and the broader market environment.

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