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Aptus Value Housing Finance India (APTUS) investor relations material

Aptus Value Housing Finance India Q1 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q1 25/26 earnings summary1 Aug, 2025

Executive summary

  • Q1 FY26 saw 24% YoY AUM growth to ₹11,267 Cr, 28% YoY PAT growth to ₹219 Cr, and a long-term credit rating upgrade to CARE AA/WA, reflecting strong financials and prudent risk management.

  • Customer base expanded 20% YoY to 1.65 lakh, with the branch network reaching 301 as of June 30, 2025.

  • Digital initiatives drove 21% of new business, with 91% digital agreements and 94% digital collections, supporting operational efficiency.

  • Expansion in Maharashtra and Odisha progressed well, with the loan book in these states reaching INR67 crores and further branch additions planned.

  • Unaudited standalone and consolidated financial results for Q1 FY26 were approved, showing strong profitability and growth.

Financial highlights

  • AUM grew 24% YoY to ₹11,267 Cr; disbursements were ₹775 Cr, up 15% YoY but down 27% sequentially due to seasonality.

  • Total income for Q1 FY26 was ₹530 Cr (consolidated: ₹53,014.28 lakhs), up 23% YoY; NIM at ₹370 Cr, up 30% YoY.

  • PAT for Q1 FY26 was ₹219 Cr, up 28% YoY; ROA at 7.9%, ROE at 20.1%.

  • Net income margin stood at 13.4%; OpEx to assets at 2.7%; credit cost at 38-40 bps, within guidance.

  • Customer base grew 20% YoY to 1.65 lakh; branch network at 301 as of June 30, 2025.

Outlook and guidance

  • Disbursement growth expected at 22% for FY26, with AUM growth targeted at 28-29%.

  • Long-term AUM target of ₹25,000 Cr by FY28-29, with a focus on credit quality and expansion in Maharashtra and Odisha.

  • Confident of steady growth as construction activity normalizes and demand remains robust.

  • Credit cost guidance maintained at 45-50 bps.

  • Focus on digital transformation, contiguous branch expansion, and diversified funding.

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Next Aptus Value Housing Finance India earnings date

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Q2 25/261 Nov, 2025
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Q2 25/261 Nov, 2025

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