India · Delayed Price · Currency is INR Aavas Financiers Earnings Call Transcripts
Fiscal Year 2026
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Achieved strong FY 2026 growth with AUM up 15% YoY, Q4 net profit up 18%, and pristine asset quality. Focus remains on 20%+ AUM growth, high-teen ROE, and cost efficiencies, supported by expanded branch network and improved funding mix.
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AUM grew 15% YOY to INR 222 billion, with Q3 net profit up 16% and NIM at 8.01%. Targeting 25% disbursement growth and 17-18% loan book growth for FY27, supported by branch expansion and digital initiatives. Asset quality remains strong, with GNPA at 1.19%.
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AUM grew 16% Y-o-Y to INR 213.6 billion, with Q2 net profit up 11% and NIM at 8.04%. Asset quality remains strong, with 1+ DPD at 3.99% and GNPA at 1.24%. Expansion continues in southern India, and full-year AUM growth is guided at 18%.
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Q1 FY2026 saw a pivotal promoter change, robust 16% AUM growth, and a shift to realization-based disbursement recognition, temporarily impacting disbursements but expected to normalize from Q2. Asset quality remains strong, with GNPA at 1.22% and credit costs well-controlled.
Fiscal Year 2025
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AUM grew 18% YoY to INR 204 billion, with net profit up 17% YoY and robust asset quality maintained. Technology upgrades, branch expansion, and prudent risk management underpin a 20% growth outlook for FY26. Credit costs and GNPA remain low.
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AUM grew 20% YOY to INR 192 billion, with net profit up 21% for nine months FY25 and strong Q3 disbursement growth. Asset quality remains robust, cost optimization continues, and guidance for 20–25% AUM growth is reaffirmed, supported by tech upgrades and branch expansion.
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AUM grew 20% year-over-year to INR 184 billion, with net profit up 22% in Q2 FY25 and robust asset quality maintained. Operational efficiency improved through tech upgrades and cost optimization, while management reaffirmed 20%+ AUM growth guidance for FY25.
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AUM grew 22% year-over-year to INR 178.41 billion, with net profit up 15% and asset quality remaining strong. Technology upgrades and cost optimization improved efficiency, while guidance for 20–25% AUM growth is maintained for FY2025.