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Earnings Call

Aptus Value Housing Finance India Earnings Call: Key Takeaways

Aptus reported strong Q4 FY26 results with AUM growing 21% YoY to ₹13,107 Cr and PAT up 26% to ₹261 Cr. Focus remains on self-employed borrowers in Tier II-IV cities.

Why this was an Alfa AlertNot a filter event. Performance and guidance are consistent with steady growth targets rather than a material guidance beat.
Highlights
Revenue growthTotal Income grew 25% YoY in FY26.
MarginsSpreads improved to 8.9% in FY26 as CoB declined to 8.3%.
Demand visibilityStrong momentum in South India; expansion into new markets.
Management confidenceHigh; confident in 22-24% AUM growth for FY27.

Growth

FY26 PAT grew 26% YoY to ₹943 Cr. Total income rose 25% to ₹2,246 Cr. RoE expanded to 20.1%.

Outlook

Management guided for 22-24% AUM growth in FY27. Plans to accelerate branch additions in Maharashtra and Odisha.

Risks

Asset quality slightly moderated with GNPA increasing to 1.52% from 1.19% YoY, primarily due to NBFC segment NPAs.

Source

Earnings Call filed with BSE, NSE: APTUS. Summary written with AI assistance from the document.

Read the document ↗

Aptus Value Housing Finance India Ltd: key numbers

Share price
₹244.60
Market cap
₹12,250 Cr
Revenue (annual)
₹2,192 Cr
Net profit (annual)
₹942.9 Cr
P/E (TTM)
12.4×Sector 22.0×
Promoter holding
23.86%-0.01% QoQ
FII holding
29.96%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

More from Aptus Value Housing Finance India Ltd

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10:42 IST BSE
Debt & Borrowing

Aptus Value Housing Finance India Debt & Borrowing: ₹1.01 Cr

Aptus Value Housing Finance India Ltd paid Rs.1.01 Crore as interest on its non-convertible debentures for the period ending September 2026.

Value
₹1.01 Cr
12:23 IST BSE
Debt & Borrowing

Aptus Value Housing Finance India Debt & Borrowing: ₹62.8 Cr

Aptus Value Housing Finance India Ltd has fixed record dates for interest and principal repayment on multiple NCD tranches. Payments are scheduled between October and December 2026.

Value
₹62.80 Cr
15:47 IST BSE
Debt & Borrowing

Aptus Value Housing Finance India Debt & Borrowing: ₹0.59 Cr

Aptus Value Housing Finance paid Rs.0.59 Crore monthly interest on its Rs.100 Crore NCD issue. The 8.75% coupon was settled on schedule on September 23, 2026.

Value
₹0.59 Cr
15:29 IST BSE
Debt & Borrowing

Aptus Value Housing Finance India Debt & Borrowing: ₹240 Cr

Aptus Value Housing Finance India Ltd has completed the full redemption of its NCDs following a call option exercise, with a total payout of Rs. 240 Crore.

Value
₹240.0 Cr
14:06 IST BSE
Debt & Borrowing

Aptus Value Housing Finance India Debt & Borrowing: ₹4.69 Cr

Aptus Finance India has completed a partial redemption of its NCDs amounting to ₹4.69 Crore. The redemption was made on the scheduled date, 2026-09-05.

Value
₹4.69 Cr
13:35 IST BSE
Debt & Borrowing

Aptus Value Housing Finance India Debt & Borrowing: ₹5 Cr

Aptus Value Housing Finance completed a partial redemption of non-convertible debentures. The company paid Rs.5 Crore against the scheduled redemption amount.

Value
₹5.00 Cr