Aptus Value Housing Finance India (APTUS) Q4 18/19 earnings summary

Executive summary

• FY2019 disbursements rose 47% YoY to ₹1,100 crore; assets under management increased 59% to ₹2,244 crore, with gross NPA at 0.40%.

• Consolidated PBT reached ₹153 crore and PAT ₹111.70 crore; focus remained on affordable housing for LMI and self-employed borrowers in underserved markets.

Financial highlights

• Consolidated revenue from operations was ₹319.57 crore versus ₹198.34 crore in FY2018; total income was ₹338.42 crore versus ₹203.67 crore.

• Consolidated PBT was ₹153.00 crore versus ₹101.23 crore; PAT was ₹111.70 crore versus ₹66.73 crore.

• Consolidated basic and diluted EPS were ₹14.18 and ₹14.15, respectively, versus ₹8.49 and ₹8.48 in FY2018.

Outlook and guidance

• FY2019-20 funding access was expected to remain challenging amid sector liquidity stress; long-term funding, lender diversification and strong asset quality were key mitigants.

• Planned priorities included scaling operations, expanding products and geographic reach, and maintaining underwriting and collection discipline; MSME lending was a growth opportunity.