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Aptus Value Housing Finance India Q2 FY27 results: net profit up 18.0% to ₹267.38 crore, revenue up 14.6%
Aptus Value Housing Finance India Limited reported consolidated Q2 FY27 revenue of ₹623.58 crore, up 14.6% from Q2 FY26 and 3.9% from Q1 FY27. Net profit rose to ₹267.38 crore from ₹226.55 crore a year earlier and ₹260.94 crore in the previous quarter, while basic EPS was ₹5.34.
Key points
- Consolidated Q2 FY27 revenue was ₹623.58 crore, up ₹79.54 crore or 14.6% from Q2 FY26.
- Consolidated net profit was ₹267.38 crore, up ₹40.83 crore or 18.0% year on year.
- Profit before tax was ₹340.29 crore, up ₹46.03 crore or 15.6% from Q2 FY26.
- Basic EPS was ₹5.34, up from ₹4.54 in Q2 FY26 and ₹5.21 in Q1 FY27.
- For H1 FY27, revenue was ₹1,223.87 crore and net profit was ₹528.32 crore, up 15.0% and 18.5% respectively from H1 FY26.
How did Aptus Value Housing Finance India perform in Q2 FY27?
Aptus Value Housing Finance India reported consolidated revenue of ₹623.58 crore for Q2 FY27, up ₹79.54 crore or 14.6% from ₹544.04 crore in Q2 FY26 and ₹23.29 crore or 3.9% from ₹600.29 crore in Q1 FY27. Total income was ₹634.67 crore, while profit before tax rose 15.6% year on year to ₹340.29 crore. Basic EPS was ₹5.34, compared with ₹4.54 in Q2 FY26 and ₹5.21 in Q1 FY27.
Net profit for the quarter was ₹267.38 crore, up ₹40.83 crore or 18.0% from ₹226.55 crore a year earlier and ₹6.44 crore or 2.5% from ₹260.94 crore in the previous quarter. The net profit margin was 42.9%, compared with 41.6% in Q2 FY26 and 43.5% in Q1 FY27. On a standalone basis, revenue was ₹424.08 crore and net profit was ₹200.72 crore, with revenue up 11.3% from ₹201.86 crore of profit in the prior period.
The filing did not provide EBITDA or EBITDA margin for Q2 FY27, so those figures cannot be compared. The company’s press release instead reported net income margin of ₹463 crore for the quarter and a net profit of ₹267 crore, while the financial results used here provide the more detailed consolidated figures.
| ₹ crore | Q2 FY27 | Q1 FY27 | Q2 FY26 | YoY | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 623.58 | 600.29 | 544.04 | +14.6% | +3.9% |
| Other income | 11.09 | 10.37 | 9.65 | +14.9% | +6.9% |
| Total expenses | 294.37 | 281.56 | 259.42 | +13.5% | +4.5% |
| Profit before tax | 340.29 | 329.09 | 294.26 | +15.6% | +3.4% |
| Tax | 72.91 | 68.15 | 67.71 | +7.7% | +7.0% |
| Net profit | 267.38 | 260.94 | 226.55 | +18.0% | +2.5% |
| EPS (₹) | 5.34 | 5.21 | 4.54 | +17.6% | +2.5% |
EBITDA here is revenue from operations less operating costs (total expenses excluding finance costs and depreciation): before other income and exceptional items. Growth is shown only when both figures are positive. Source: Company's results filing (XBRL).
What changed in Aptus Value Housing Finance India's costs and profit?
Total expenses were ₹294.37 crore in Q2 FY27, up ₹34.95 crore or 13.5% from ₹259.42 crore in Q2 FY26. Employee cost increased by ₹17.80 crore or 33.5% to ₹70.86 crore, finance costs rose ₹6.44 crore or 3.9% to ₹171.45 crore, depreciation increased ₹0.72 crore or 22.5% to ₹3.92 crore, and other expenses rose ₹4.21 crore or 21.0% to ₹24.27 crore.
Other income increased ₹1.44 crore or 14.9% to ₹11.09 crore from ₹9.65 crore in Q2 FY26. There was no exceptional item in either quarter. Tax expense rose ₹5.20 crore or 7.7% to ₹72.91 crore from ₹67.71 crore, while profit before tax increased ₹46.03 crore or 15.6% to ₹340.29 crore.
Against Q1 FY27, total expenses were higher by ₹12.81 crore or 4.5%, while other income rose ₹0.72 crore or 6.9%. Employee cost increased ₹6.85 crore, finance costs ₹1.77 crore, depreciation ₹0.43 crore and other expenses ₹1.37 crore. Tax expense rose ₹4.76 crore or 7.0% to ₹72.91 crore.
| ₹ crore | Q2 FY27 | Q2 FY26 | Change | Change % |
|---|---|---|---|---|
| Employee cost | 70.86 | 53.06 | +17.80 | +33.5% |
| Finance costs | 171.45 | 165.01 | +6.44 | +3.9% |
| Depreciation | 3.92 | 3.20 | +0.72 | +22.5% |
| Other expenses | 24.27 | 20.06 | +4.21 | +21.0% |
| Total expenses | 294.37 | 259.42 | +34.95 | +13.5% |
| Other income | 11.09 | 9.65 | +1.44 | +14.9% |
| Tax | 72.91 | 67.71 | +5.20 | +7.7% |
Source: Company's results filing (XBRL).
How did the first half of FY27 go?
For H1 FY27, consolidated revenue was ₹1,223.87 crore, up ₹159.57 crore or 15.0% from ₹1,064.30 crore in H1 FY26. Total income rose ₹161.49 crore or 14.9% to ₹1,245.32 crore, while profit before tax increased ₹89.58 crore or 15.4% to ₹669.39 crore.
H1 FY27 net profit was ₹528.32 crore, up ₹82.52 crore or 18.5% from ₹445.80 crore in H1 FY26. Basic EPS increased ₹1.62 or 18.1% to ₹10.55 from ₹8.93. The investor presentation reported H1 PAT of ₹528 Cr, up 19% year on year.
| ₹ crore | H1 FY27 | H1 FY26 | Change |
|---|---|---|---|
| Revenue from operations | 1,224 | 1,064 | +15.0% |
| Profit before tax | 669.39 | 579.81 | +15.4% |
| Net profit | 528.32 | 445.80 | +18.5% |
| EPS (₹) | 10.55 | 8.93 | +18.1% |
Source: Company's results filing (XBRL).
What do the balance sheet and cash flow show?
Total assets were ₹13,974.51 crore at 30 September 2026, against ₹13,047.66 crore at 31 March 2026. Total equity rose to ₹5,467.50 crore from ₹5,060.04 crore, while cash fell to ₹317.24 crore from ₹563.32 crore. The data did not provide borrowings or inventories for either balance sheet date.
H1 FY27 operating cash flow was negative ₹172.47 crore, compared with negative ₹127.95 crore in H1 FY26. Investing cash flow was negative ₹440.30 crore against negative ₹225.00 crore, financing cash flow was ₹366.67 crore against ₹361.53 crore, and capital expenditure was ₹5.12 crore against ₹3.37 crore.
| ₹ crore | As of 30 September 2026 | As of 31 March 2026 |
|---|---|---|
| Total assets | 13,975 | 13,048 |
| Total equity | 5,468 | 5,060 |
| Cash and equivalents | 317.24 | 563.32 |
| Inventories | 0 | 0 |
Source: Company's results filing (XBRL).
| ₹ crore | H1 FY27 | H1 FY26 |
|---|---|---|
| Cash from operations | −172.47 | −127.95 |
| Cash from investing | −440.30 | −225 |
| Cash from financing | 366.67 | 361.53 |
| Capital expenditure | 5.12 | 3.37 |
Source: Company's results filing (XBRL).
How has Aptus Value Housing Finance India done over the last 8 quarters?
Revenue rose in each of the last eight quarters on a year-on-year basis, reaching ₹623.58 crore in Q2 FY27 from ₹450.05 crore in Q3 FY25. Profit also rose year on year in each of the last eight quarters, moving from ₹190.50 crore to ₹267.38 crore over the same period.
The latest quarter continued the recent direction: revenue rose from ₹600.29 crore in Q1 FY27 to ₹623.58 crore in Q2 FY27, while net profit edged up from ₹260.94 crore to ₹267.38 crore. Q2 FY27 was the highest revenue and profit quarter in the reported series, although no EBITDA margin figures were provided for the quarters.
What else did the company announce?
The board approved the unaudited standalone and consolidated financial results for the quarter and half year ended 30 September 2026. It also declared an interim dividend of ₹2 per equity share, representing 100% of the face value of ₹2, and fixed 13 November 2026 as the record date. The dividend was to be paid on or before 30 November 2026.
The board approved the reappointment of Ms. Anitha V as Chief Compliance Officer for a further fixed tenure of three years with effect from 4 November 2026. It also approved implementation of the Aptus ESOS 2026, subject to approval by the company’s members.
What did Aptus Value Housing Finance India's management say?
In the investor presentation, management said consolidated AUM increased 20% year on year to ₹14,177 Cr, while H1 disbursements rose 27% to ₹2,206 Cr. Management said the branch network reached 397 after 58 additions during H1 FY27, including 25 in Q2, and stated that ₹1,984 Cr of surplus was available for business up to March 2027.
Management said branch additions would largely focus on Maharashtra and Odisha, along with underserved pockets of Telangana and Andhra Pradesh. It also said the company was exploring ways to diversify lending beyond home loans and SME loans, while continuing to focus on customer selection, prudent underwriting, technology and data analytics.
Management identified asset quality as a risk. It said NBFC GNPA was 2.17%, up 58 bps year on year, while NNPA was 1.63%, up 43 bps, and credit cost reached 169 bps. It also said consolidated GNPA was 1.68%, up 13 bps, 30-plus days past due rose to 7.08% from 6.34%, and consolidated yield fell 30 bps to 17.0%.
The press release said management expected AUM growth of around 22% for FY27, retained its outlook on spreads and operating costs, and expected a gradual normalisation of asset-quality metrics by the end of FY27. No analyst questions or answers were included in the supplied filings.
How did other Housing Finance Company companies do?
Seven other Housing Finance Company companies that had filed for the quarter were compared with Aptus. Their median revenue growth was 13.9%, compared with Aptus’s 14.6% growth in Q2 FY27. Four peers grew more slowly than Aptus, while three grew faster.
All seven peers reported higher profit, based on the peers’ profit comparison for the quarter.
| Aptus Value Housing Finance India revenue growth (YoY) | +14.6% |
|---|---|
| Median of 7 other Housing Finance Company companies | +13.9% |
| Companies with slower revenue growth than Aptus Value Housing Finance India | 4 of 7 |
| Companies with faster revenue growth than Aptus Value Housing Finance India | 3 of 7 |
| Companies whose net profit rose | 7 of 7 |
Source: Filed results (XBRL) of the industry's companies.
Quick answers
What was Aptus Value Housing Finance India's revenue in Q2 FY27?
Revenue from operations was ₹623.58 crore, up 14.6% from ₹544.04 crore in Q2 FY26 (consolidated).
Did Aptus Value Housing Finance India make a profit in Q2 FY27?
Yes. Net profit was ₹267.38 crore, against a net profit of ₹226.55 crore in Q2 FY26.
What was Aptus Value Housing Finance India's EPS in Q2 FY27?
Basic earnings per share were ₹5.34, against ₹4.54 in Q2 FY26.
When did Aptus Value Housing Finance India announce its Q2 FY27 results?
On 4 November 2026, in a filing to the BSE.
Sources
- Board Meeting Intimation for Board Meeting Intimation For Consideration And Approval Of The Unaudited Financial Results (Standalone And Consolidated) Of The Company For The Second Quarter And Half Year Ended September 30, 2026 (BSE, 13 October 2026) · PDF
- Unaudited Financial Results For The Quarter Ended 30Th September 2026 (BSE, 4 November 2026) · PDF
- The investor presentation (4 November 2026)
How this was written: every figure in the tables and charts is calculated from the company’s filed results (XBRL) and MarketPing’s price measurements. The text is drafted with AI from those figures and the filings, and a checker removes any sentence carrying a number it cannot trace to them. How we write these.
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