Investor Press release for the fourth Quarter and year ended as on 31st March 2026
APTUS · price
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Aptus Value Housing Finance reported strong Q4FY26 and FY26 results. AUM grew 21% YoY to ₹13,107 Cr with Q4 disbursements of ₹1,242 Cr (17% growth) and FY26 disbursements of ₹4,009 Cr (11% growth). Total income for FY26 was ₹2,246 Cr (25% growth) and net profit was ₹943 Cr (26% growth), with RoA/RoE of 7.9%/20.1%. Spreads improved to 8.9% driven by decline in cost of funds to 8.3%, while credit cost remained at 50 bps within guided range. However, asset quality saw some deterioration with Gross NPA rising to 1.5% (from 1.2%) and Net NPA to 1.2% (from 0.9%) primarily due to NBFC segment. The company expanded to 339 branches and achieved 92% digital agreements and 94% digital collections. Management guided for 22-24% AUM growth in FY27 and plans to accelerate branch additions.
Strong profitability and improving spreads signal operational efficiency, but rising NPAs warrant monitoring. The 22-24% growth guidance suggests continued momentum but will require asset quality management as expansion accelerates.