Aptus Value Housing Finance India (APTUS) Q4 24/25 earnings summary

Executive summary

• Achieved strong business growth in FY25, with AUM reaching ₹10,865 Cr, up 25% YoY, and a customer base of 1.62 lakh across 300 branches in 6 states and 1 union territory.

• Focused on home and small business loans for self-employed, low/middle-income families in semi-urban and tier 2/3/4 cities, supported by stable asset quality and diversified income streams.

• Recognized for strong governance, digital transformation, and industry awards for growth and performance.

• Audited standalone and consolidated financial results for Q4 and FY25 were approved, with unmodified audit opinions issued by statutory auditors.

• Second interim dividend of ₹2.50 per equity share declared for FY 2024-25, with record date set as May 16, 2025.

Financial highlights

• PAT grew 25% YoY to ₹751 Cr; AUM up 25% YoY to ₹10,865 Cr; revenue at ₹1,799 Cr, up 28% YoY; disbursements at ₹3,604 Cr, up 15% YoY.

• NIM at 12.96%; OPEX to assets at 2.63%; ROA at 7.73%; ROE at 18.8% for FY25.

• Gross NPA at 1.19%, Net NPA at 0.89%, and provision coverage ratio at 86% as of March 2025.

• Sufficient on-balance sheet liquidity of ₹1,155 Cr as of March 31, 2025.

• Basic EPS (standalone) for FY25 was ₹11.52, up from ₹9.64 in FY24; consolidated basic EPS was ₹15.04, up from ₹12.27.

Outlook and guidance

• Disbursement growth guidance for FY26 at 24%-25%; loan book growth expected at 28%-30%.

• Plans to open 40 new branches in FY26, including 10 more in Odisha and Maharashtra, and deepen penetration in existing markets.

• Focus on increasing digital channel leads to 25% and improving per loan officer productivity.

• Credit cost guidance maintained at 40-45 basis points.

• Continued focus on productivity, credit cost, and opex to sustain profitability and asset quality.