Conference Call with Aptus Value Housing Finance India Management and Analysts on Q1FY26 Performance and Outlook. Listen to the full earnings transcript.
Housing Finance company Aptus Value Housing Finance India announced Q1FY26 results AUM: Rs 11,267 crore compared to Rs 9,072 crore during Q1FY25, change 4%. PAT: Rs 219 crore compared to Rs 172 crore during Q1FY25, change 6%. Spread: 8.73% for Q1FY26. Gross NPA: 1.49% for Q1FY26. ROA: 7.93% for Q1FY26. ROE: 20.09% for Q1FY26. P. Balaji, Managing Director, said: “Q1FY26 was a stable quarter for Aptus, driven by continued focus on consistent growth and profitability. Despite some seasonal headwinds, disbursements rose to Rs 775 crore, up 15% YoY, while AUM grew 24% to Rs 11,267 crore. Our customer base grew 20% YoY to 1.65L customers, while our branch presence reached 301. On the profitability side, our spreads continue to hold up strongly at 8.7%. The Opex continues to remain lower at 2.7%, leading to an operating PAT growth of 31% YoY to Rs 296 crore. On the asset quality side, we saw slight increase in delinquency, driven by seasonality, leading to 19 bps sequential rise in our GNPAs to 1.49%. The credit cost was sequentially up by 8 bps but remain under our 45–50 bps credit cost guidance. Net profit for the quarter came in at Rs 219 crore, translating to an RoA/RoE of 7.9%/20.1% respectively—among the best in the industry. Our sustainable RoAs are backed by a well-diversified product mix and a customer base with varied income profiles, ensuring stability across market cycles. We continued to lead in digital adoption, achieving >90% digital agreements and 94% digital collections. Our strong tech and analytics capabilities enabled safe, scalable operations across regions. Our long-term credit rating was upgraded to CARE AA; Stable from CARE AA-; Positive, reflecting strong asset quality, healthy profitability, and robust capitalization. "We have a strong presence in the southern geographies, and we've begun expanding into states like Maharashtra and Odisha — the initial experience has been encouraging, setting the stage for accelerated growth in these markets. With this momentum, we are confident that Aptus is well-positioned to reach an AUM of Rs 25,000 crore by FY29." Result PDF