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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Aptus Value Housing Finance India
Aptus Value Housing Finance India (APTUS) investor relations material
Aptus Value Housing Finance India Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary4 Nov, 2026
Executive summary
H1 FY27 consolidated AUM reached ₹14,177 crore (+20% YoY), disbursements were ₹2,206 crore (+27%) and PAT was ₹528.32 crore (+19%).
Q2 FY27 disbursements rose 20% YoY to ₹1,153 crore; consolidated PAT increased 18% to ₹267.38 crore.
Operations served 1.99 lakh customers through 397 branches; H1 expansion added 58 branches, including locations in Maharashtra and Odisha.
Q2 and H1 FY27 unaudited standalone and consolidated results received unmodified limited-review conclusions; subsidiary results in the consolidated review were reviewed by another auditor.
Financial highlights
Consolidated Q2 revenue from operations was ₹62,358.03 lakh, PBT ₹34,029.49 lakh, PAT ₹26,738.30 lakh and basic EPS ₹5.34.
Consolidated H1 revenue was ₹1,22,386.58 lakh and PAT ₹52,832.40 lakh, versus ₹1,06,430.07 lakh and ₹44,580.04 lakh in H1 FY26.
Standalone Q2 revenue was ₹42,407.97 lakh, PBT ₹25,387.86 lakh and PAT ₹20,071.91 lakh; standalone H1 revenue was ₹84,191.98 lakh and PAT ₹39,344.19 lakh.
H1 FY27 consolidated PPOP was ₹715 crore (+17% YoY); net worth was ₹5,467 crore (+17%).
Q2 spread was 8.9%, yield 17.0% and cost of borrowings 8.1%; operating expenses were 2.8% of average AUM.
Outlook and guidance
FY27 AUM growth guidance remains 22%; Q3 growth may moderate due to weather interruptions and tighter NBFC underwriting, with management expecting a Q4 catch-up.
Consolidated FY27 credit cost guidance increased by 5–10 bps due to elevated NBFC overdues; profitability and operating-efficiency guidance remained unchanged.
Full-year branch addition target remains ~70; branch plans include underserved pockets of Telangana and Andhra Pradesh and contiguous expansion in Maharashtra and Odisha.
Growth priorities include home loans, small-business loans, higher average ticket sizes and deeper penetration in existing markets; strategy emphasizes productivity, cost control and diversified funding.
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Latest events from Aptus Value Housing Finance India
- AUM rose 27% and PAT 39%, with strong capital and GNPA at 1.19%.APTUS
Q4 21/22 - Rapid loan-book growth and low NPAs met a tougher funding environment.APTUSQ4 18/19
- Strong FY20 growth and funding resilience faced a sharp COVID-19 credit test.APTUSQ4 19/20
- AUM grew 28% and GNPA held at 0.68% through a pandemic-disrupted FY21.APTUSQ4 20/21
- FY23 growth accelerated, with PAT up 36%, disbursements up 46% and AUM at ₹6,738 crore.APTUSQ4 22/23
- 29% AUM growth, higher PAT and improved asset quality marked FY24.APTUSQ4 23/24
- AUM up 21% YoY, 19% profit growth, strong asset quality, and robust digital adoption.APTUSQ1 26/27
- AUM up 21% YoY, profit up 26%, ROE at 20.2%, with strong asset quality and liquidity.APTUSQ3 25/26
- AUM up 24%, PAT up 28%, with digital expansion and strong asset quality driving growth.APTUSQ1 25/26
Next Aptus Value Housing Finance India earnings date
Q3 26/274 Feb, 2027
Aptus Value Housing Finance India
Next Aptus Value Housing Finance India earnings date
Q3 26/274 Feb, 2027
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