Is Aptus Value Hou. overvalued or undervalued?

As of 14 August 2025, the valuation grade for Aptus Value Housing Finance has moved from expensive to very expensive, indicating a significant increase in perceived valuation. The company is currently considered overvalued. Key ratios include a PE ratio of 22.28, an EV to EBITDA ratio of 15.30, and a Price to Book Value of 4.12, which are considerably higher than many of its peers.
In comparison, HUDCO has a PE ratio of 15.04 and an EV to EBITDA of 13.50, while LIC Housing Finance presents a much lower PE ratio of 5.68 and an EV to EBITDA of 11.18, highlighting the premium at which Aptus is trading. Despite recent stock returns outperforming the Sensex, with a year-to-date return of 22.68% compared to the Sensex's 3.15%, the elevated valuation metrics suggest that investors may be overestimating the company's growth potential.