Aptus Value Housing Finance’s Profit Up by 28% in June Quarter

Chennai, July 31, 2025 – Aptus Value Housing Finance India Ltd (NSE: APTUS, BSE: 543335) delivered a strong start to FY26, reporting a 28% year-on-year (YoY) increase in consolidated net profit to ₹219 crore for the quarter ended June 30, 2025. The company also recorded 24% YoY growth in Assets Under Management (AUM), reaching ₹11,267 crore, as per its investor release.

Aptus Value Housing Finance India Ltd Share Price Performance

As of 31 July 2025, at 3:20 pm, the share price of Aptus Value Housing Finance India Ltd is trading at ₹327.60, down 2.17% (₹7.25) from its previous closing of ₹334.85. The share opened at 328.25 and traded between 320.00 and 345.65 as today’s high and low.

Key Financial Highlights (₹ crore)

The Assets Under Management (AUM) of the company increased to 11,267 crore (in Q1 FY26) with a robust 24% year-on-year and 4% quarter-on-quarter growth. There was a 6% increase in Net profit QoQ and a 28% improvement in YoY regulation with Net profit at 219 crore. The performance reveals the stable flow of earnings and successful portfolio growth on the part of the company.

Asset quality was also strong, with a slight increase in gross NPA to 1.49%. The Return on Assets (ROA) rose to 7.93%, and the Return on Equity (ROE) improved to 20.09%, which implies better profitability. Its spread was also stable at 8.73%, which demonstrates that the company is capable of preserving its high margins and keeping its finances at a good level, despite the slight strain on the asset quality.

Operational Highlights

During Q1 FY26, disbursements were reported to be almost 15% higher at 775 crore, accompanied by an increase of 20% in the customer base to 1.65 lakh. The network of branches has grown to 301 locations. The working PAT before provisions increased by 31% YoY to 296 crore. The use of Digital was also not hampered, with more than 90% of deals and 94% of collections undertaken digitally.

Management Commentary

P. Balaji, Managing Director, stated:

“Despite seasonal headwinds, Q1 was a stable quarter driven by focused execution on growth and profitability. Our strong spreads at 8.7%, low operating expense at 2.7%, and healthy disbursement trends underscore our resilience. With continued geographic expansion into Maharashtra and Odisha, we are confident of achieving ₹25,000 crore AUM by FY28-29.”

He also noted that asset quality remains under control despite a seasonal uptick in GNPAs. The credit cost rose only 8 bps QoQ, remaining well within the guidance of 45–50 bps.

Credit Rating Upgrade

Aptus’ long-term credit rating was upgraded by CARE Ratings from ‘CARE AA-; Positive’ to ‘CARE AA; Stable’, reflecting enhanced asset quality, strong profitability, and robust capital buffers.

About the Company

Aptus Value Housing Finance India Ltd is a listed affordable housing finance company offering home and business loans to low and middle-income segments across Tamil Nadu, Andhra Pradesh, Telangana, Karnataka, Maharashtra, and Odisha. The company operates through a widespread network of 301 branches and serves over 1.65 lakh customers.

REF:https://nsearchives.nseindia.com/corporate/APTUS_31072025134610_Press_Release_SE_intimation_sd.pdf

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