Aptus Value Housing Finance India (APTUS) investor relations material

Executive summary

• Assets under management (AUM) grew 21% year-over-year to INR 13,648 crore, with disbursements up 36% to INR 1,053 crore in Q1 FY27 and net profit rising 19% YoY to INR 261 crore.

• Profitability remained strong with ROA at 7.8% and ROE at 20.4%, among the highest in the industry.

• Maintained strong asset quality with GNPA at 1.7% and NNPA at 1.29%.

• Expanded to 372 branches across 7 states/UTs, serving 1.93 lakh customers, with 33 new branches opened in the quarter.

• Unaudited standalone and consolidated financial results for Q1 FY27 were approved with no material misstatements.

Financial highlights

• Net income margin for Q1 FY27 was INR 441 crore, up 19% YoY, with total income at ₹611 crore and interest expenses at ₹170 crore.

• Operating expenses to AUM held at 2.7%, with credit cost for the quarter at 0.6% and collection efficiency at 98.52%.

• Net worth increased to ₹5,198 crore, borrowings at ₹8,236 crore, and capital adequacy ratio at 70% as of June 2026.

• Consolidated Q1 FY27 net profit was ₹26,094.10 lakhs, with standalone net profit at ₹19,272.28 lakhs.

• Basic and diluted EPS for Q1 FY27 were ₹5.21 (consolidated) and ₹3.85 (standalone).

Outlook and guidance

• Confident of achieving FY 2027 AUM growth guidance of 22%-24%, with robust disbursement growth expected from branch expansion and product diversification.

• Credit cost guidance maintained at 0.5% ±10 basis points for FY 2027, and ROE expected to remain above 20%.

• Focus on contiguous branch expansion in Maharashtra and Odisha, and plans to introduce hybrid rate loan products to manage interest rate risk.

• Continued emphasis on productivity, credit cost control, and diversified funding.

• The company continues to focus on housing finance as its primary business.