Aptus Value Housing Finance India Limited has informed the Exchange about Investor Presentation
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Aptus Value Housing Finance reported strong FY26 results with AUM growing 21% YoY to ₹13,107 Cr and PAT up 26% to ₹943 Cr, delivering ROE of 20.1% — among the best in the industry. Q4 saw highest-ever quarterly disbursements of ₹1,242 Cr. The company deliberately discontinued sanctions below ₹7 lakh to onboard higher-quality customers, which caused temporary Q1/Q2 moderation but strong Q4 rebound. Spreads improved to 8.9% driven by cost of funds declining to 8.3%. Asset quality showed some pressure — GNPA rose to 1.52% vs 1.19% in FY25 and NNPA to 1.15% vs 0.89%, attributed to slight NPA increase in the NBFC segment. Technology remains a differentiator with 92% digital agreements and 94% digital collections. The company expanded to Maharashtra and Odisha, reaching 339 branches, and plans to accelerate branch additions in FY27.
The company delivered industry-leading profitability with 20%+ ROE and 26% PAT growth, backed by improving spreads and strong disbursement momentum. However, rising GNPA/NNPA and the strategic push toward higher-ticket loans signal a deliberate risk repricing that investors should monitor closely as it plays through asset quality in FY27.