Investor Presentation for the Quarter ended on 31st March 2026
APTUS · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Aptus Value Housing Finance reported strong Q4 FY26 results with AUM growing 21% YoY to ₹13,107 Cr, driven by highest-ever quarterly disbursements of ₹1,242 Cr. PAT for Q4 came in at ₹261 Cr (26% YoY growth), while full-year PAT reached ₹943 Cr. The company achieved RoE of 21.2% for Q4 and 20.1% for FY26, among the best in the industry. Management guided for 22-24% AUM growth in FY27, supported by expansion in Maharashtra and Odisha, deeper penetration in existing markets, and higher average ticket sizes. Asset quality saw some deterioration with GNPA at 1.52% vs 1.19% in FY25, though management stated this was primarily due to slight NPA increase in NBFC business. Spread improved to 8.9% in FY26 from 8.3% in FY25, indicating better net interest margin. The company plans to accelerate branch additions in FY27 as part of its contiguous expansion strategy.
The company delivered another quarter of strong growth with improving profitability metrics. The explicit FY27 AUM growth guidance of 22-24% provides visibility on forward earnings. Margin improvement (spread up 60 bps YoY) and high capital adequacy (71%) support the growth ambitions. The rise in GNPA/NNPA warrants monitoring but management attributes it to NBFC book normalization.