India · Delayed Price · Currency is INR Aptus Value Housing Finance India Earnings Call Transcripts
Fiscal Year 2026
-
Achieved 21% AUM growth and record disbursements in FY 2026, with strong profitability and asset quality. Expansion into new states and higher ticket size loans underpin 22%-24% AUM growth guidance for FY 2027, while maintaining best-in-class ROE above 20%.
-
AUM grew 21% year-over-year to INR 12,330 crores, with profit up 26% and ROE at 20.2%. Asset quality remains stable, though MSME delinquencies saw a temporary uptick. Growth guidance is 22%-24% AUM, with continued branch expansion and focus on higher ticket loans.
-
AUM and profit grew strongly with Q2 disbursements up 24% QoQ and net profit up 24% YoY. Credit cost rose due to a policy change, but asset quality and operational efficiency remain robust. The company is confident of sustaining 25%+ growth, supported by branch expansion and digital initiatives.
-
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 margins. Expansion in new states and digital initiatives underpin long-term growth ambitions.
Fiscal Year 2025
-
PAT grew 25% YoY, AUM up 23%, and ROE reached 18.76% for FY25, with strong asset quality and stable cost ratios. Disbursement and loan book growth guidance for FY26 is 24%-25% and 28%-30% respectively, supported by branch expansion and digital initiatives.
-
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.
-
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.
-
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.