Is Aptus Value Hou. overvalued or undervalued?

As of 18 July 2025, Aptus Value Housing Finance has moved from a fair to an expensive valuation grade. The company appears to be overvalued based on its current financial ratios, including a PE ratio of 23.23, a Price to Book Value of 4.04, and an EV to EBITDA of 16.15. These figures suggest that the company's stock price may not be justified by its earnings and asset values.
In comparison to its peers, Aptus is significantly more expensive than HUDCO, which has a PE ratio of 16.74 and an EV to EBITDA of 14.73, indicating a more attractive valuation. Additionally, LIC Housing Finance stands out with a much lower PE ratio of 6.35, suggesting that Aptus is trading at a premium relative to its industry counterparts. Despite a positive stock return of 20.28% year-to-date compared to the Sensex's 4.63%, the overall valuation metrics indicate that Aptus Value Housing Finance is overvalued in the current market.