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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.
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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