Aptus Value Housing Reports 24% YoY Profit Rise in Q2 FY26; AUM Up 22%; Declares ₹2 Interim Dividend

Chennai, October 31, 2025: Aptus Value Housing Finance India Ltd. (NSE: APTUS, BSE: 543335) said its consolidated net profit surged 24% YoY to ₹227 crore for the quarter ended September 30, 2025, supported by healthy loan growth, stable margins, and strong asset quality.

Aptus Value Housing Finance India Ltd is one of the largest affordable housing finance companies in the country, with a network of 321 branches and serving over 1.72 lakh customers across Tamil Nadu, Telangana, Andhra Pradesh, Karnataka, Odisha, and Maharashtra. The company offers home loans, property loans, and business loans to low and middle-income categories.

Q2 FY26 Financial Performance

For Q2 FY26, which ended September 2025, it said that its assets under management went up 22% YoY to ₹11,767 crore from ₹9,679 crore in the same quarter of the previous fiscal. Sequentially, AUM was up 4% over ₹11,267 crore in Q1 FY26.

Total income increased 27% YoY to ₹554 crore from ₹434 crore in Q2 FY25, while Net Income Margin rose to ₹389 crore, representing a 27% YoY growth. Sequentially, total income and net income margin advanced by 4% and 5%, respectively.

The net profit for the company surged 24% YoY to ₹227 crore, from ₹182 crore in the year-ago period, while growing 3% sequentially from ₹219 crore in Q1 FY26. As for profitability ratios, Return on Assets (RoA) was at 7.9%, higher by 10 basis points YoY, while RoE increased to 20.0%, up 168 bps YoY. The Board declared an interim dividend of ₹2 per equity share for FY2025–26.

Operational Performance

Disbursements increased 24% sequentially to ₹963 crore in Q2 FY26, riding on sustained demand for housing. The company expanded its branch network to 321 branches, adding 20 new locations during the quarter, mainly in Maharashtra and Odisha.

On the asset quality front, Gross Stage 3 loans inched up to 1.55%, while Net Stage 3 loans came in at 1.17%. However, 30+ delinquency improved to 6.34% with the support of better collection efficiency and proactive risk management.

Credit Rating and Profitability

ICRA has upgraded Aptus’ long-term credit rating to ‘AA (Stable)’, which is in line with CARE’s rating. Spreads improved to 8.9% while operating expenses remained steady at 2.7%, leading to a 27% YoY rise in operating profit to ₹312 crore.

Management Commentary

Commenting on the results, the Managing Director of Aptus, P. Balaji, said, “Q2 FY26 was another resilient quarter for Aptus, on the back of sustained growth, robust profitability, and efficient portfolio management. We will remain focused on scaling up in Maharashtra and Odisha while deepening our presence in under-penetrated regions within the existing states. We aim to reach ₹25,000 crore AUM in the medium term.”

He added that robust technology and analytics frameworks at the company have enabled more than 90% digital agreements and 95% digital collections, hence strengthening underwriting and customer acquisition efficiency.

Share Price Update

At 3:20 PM, the share price of Aptus Value Housing Finance India Ltd was trading at ₹318.80, up 2% on Friday. Aptus Value Housing Finance India Ltd opened at ₹313.40 and reached an intraday high of ₹321.00, while the day’s low stood at ₹310.65. The market capitalization of the company was around ₹15,970 crore. The P/E ratio was at 19.97. Aptus has a dividend yield of 1.41% along with a quarterly dividend amount of ₹1.12 per share. A year ago today, the stock was trading at a 52-week high of ₹364.00 and a 52-week low of ₹267.95.

REF: https://nsearchives.nseindia.com/corporate/APTUS_31102025143246_Investor_Press_Release_sd.pdf

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