India · Delayed Price · Currency is INR Aptus Value Housing Finance India Earnings Call Transcripts
Fiscal Year 2026
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AUM grew 21% year-over-year to INR 12,330 crores, with profit and NII up 26%. Asset quality remains stable, though MSME NPAs saw a temporary uptick. Guidance for 22%-24% AUM growth is maintained, with continued branch expansion and focus on higher ticket loans.
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Q2 saw 24% QoQ disbursement growth and 27% YoY income growth, with ROA at 7.9% and ROE at 20%. Strategic shift to loans above INR 7 lakh and a new write-off policy increased credit cost to 50 bps, but asset quality remains strong. AUM growth target of 25%+ is reaffirmed.
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Q1 FY26 saw 24% AUM growth and 28% PAT growth, with ROE above 20% and stable asset quality. Borrowing costs are declining due to a rating upgrade and repo cuts, supporting strong profitability. Expansion in new states and digital initiatives underpin long-term growth ambitions.
Fiscal Year 2025
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PAT grew 25% YoY, AUM up 23%, and ROE reached 18.76% for FY25, with strong asset quality and expansion into new states. FY26 guidance targets 24-25% disbursement growth and 28-30% loan book growth, supported by branch additions and digital initiatives.
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Loan book grew 27% YoY to INR 10,226 crore with stable asset quality and strong profitability. Expansion continued with 36 new branches and robust capital adequacy, while guidance remains for 30% AUM growth and steady credit costs.
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Strong AUM and profit growth continued in Q2 and H1 FY25, with robust asset quality, high collection efficiency, and a focus on secured lending. Guidance for 30% AUM growth and stable spreads remains, supported by diversified funding and expanding branch network.
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Q1 FY25 saw 27% AUM growth, 21% PAT growth, and stable asset quality, with strong expansion in Andhra Pradesh and Telangana. Disbursement and collection efficiency rebounded after April, and 30% overall disbursement growth is guided for FY25.