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 metrics. Key ratios include a PE Ratio of 23.23, an EV to EBITDA of 16.15, and a Price to Book Value of 4.04, which are significantly higher than some of its peers.
In comparison, HUDCO, which is rated fair, has a PE Ratio of 16.74 and an EV to EBITDA of 14.73, while LIC Housing Finance, rated very attractive, boasts a much lower PE Ratio of 6.35 and an EV to EBITDA of 11.46. These comparisons highlight that Aptus Value Housing Finance is trading at a premium relative to its peers, suggesting it is overvalued. Additionally, while the company's stock has outperformed the Sensex on a year-to-date basis with a return of 20.28% compared to the Sensex's 4.63%, this does not mitigate the valuation concerns.