Aptus Value Housing Finance India Share Price

Audio Recording of the earnings call for the First quarter ended on 30th June 2026

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Allotment of 25,000 Equity shares of Rs.2/- each under Aptus Employee stock option scheme 2021

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<h3><span style="font-size:16px;"><strong>Aptus Value Housing Finance India announced Q1FY27 results</strong></span></h3> <p _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Consolidated Financial Highlights:</strong></p> <ul> <li _ngcontent-ng-c3377174747="">Total Income for Q1FY27 was reported at Rs 61,065.40 lakh, reflecting a YoY growth of 15.19% from Rs 53,014.28 lakh in Q1FY26 and a QoQ increase of 2.96% compared to Rs 59,311.88 lakh in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">Total revenue from operations for Q1FY27 stood at Rs 60,028.55 lakh, up 15.38% YoY from Rs 52,026.04 lakh in Q1FY26 and up 4.52% QoQ from Rs 57,433.70 lakh in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">Profit before tax for Q1FY27 reached Rs 32,909.43 lakh, a YoY increase of 15.25% against Rs 28,554.67 lakh in Q1FY26 and an increase of 0.47% QoQ from Rs 32,756.37 lakh in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">Net profit for the period in Q1FY27 was Rs 26,094.10 lakh, marking a YoY growth of 19.01% from Rs 21,925.15 lakh in Q1FY26. On a QoQ basis, profit remained nearly flat with a marginal decline of 0.005% from Rs 26,095.49 lakh in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">Total comprehensive income for Q1FY27 was Rs 26,095.83 lakh, representing a 19.03% YoY growth over Rs 21,924.40 lakh in Q1FY26 and a 0.03% QoQ increase over Rs 26,088.38 lakh in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">Basic and Diluted Earnings per share (EPS) for Q1FY27 was Rs 5.21, as compared to Rs 4.39 in Q1FY26 and Rs 5.22 in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">The group reported a Net worth of Rs 4,34,362.37 lakh as of June 30, 2026.</li> <li _ngcontent-ng-c3377174747="">Gross Non-Performing Assets (GNPA) stood at 1.42% and Net Non-Performing Assets (NNPA) at 1.07% for Q1FY27.</li> <li _ngcontent-ng-c3377174747="">The Net profit margin for the quarter ended June 30, 2026, was recorded at 45.01%.</li> </ul> <p _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Standalone Financial Highlights:</strong></p> <ul> <li _ngcontent-ng-c3377174747="">Total Income for Q1FY27 reached Rs 42,814.15 lakh, showing a YoY growth of 17.04% from Rs 36,582.05 lakh in Q1FY26 and a 7.89% QoQ increase from Rs 39,683.19 lakh in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">Total revenue from operations for Q1FY27 was Rs 41,784.01 lakh, up 17.48% YoY compared to Rs 35,566.90 lakh in Q1FY26 and up 10.58% QoQ from Rs 37,784.80 lakh in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">Profit before tax for Q1FY27 stood at Rs 24,294.85 lakh, registering an increase of 22.44% YoY over Rs 19,842.54 lakh in Q1FY26 and a 13.97% QoQ increase over Rs 21,317.62 lakh in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">Net profit for the period for Q1FY27 was Rs 19,272.28 lakh, reflecting a 24.56% YoY growth from Rs 15,472.73 lakh in Q1FY26 and a 9.21% QoQ rise from Rs 17,647.07 lakh in Q4FY26.</li> <li _ngcontent-ng-c3377174747="">Basic and Diluted EPS for the quarter reached Rs 3.85, an increase from Rs 3.10 in Q1FY26 and Rs 3.53 in Q4FY26.</li> </ul> <p _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Business Highlights:</strong></p> <ul> <li _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Interim Dividend:</strong> The Board of Directors declared an interim dividend of Rs 1 per equity share for FY27. The Record Date for determining dividend eligibility is Wednesday, August 05, 2026, with payment scheduled on or before August 28, 2026.</li> <li _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Loan Assignment Activity:</strong> During Q1FY27, the group assigned 1,689 loan accounts not in default, totaling Rs 15,549.91 lakh. On a standalone basis, 1,092 accounts were assigned amounting to Rs 10,417.04 lakh.</li> <li _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Sale of Stressed Loans:</strong> The group transferred 536 stressed loan accounts with a book value of Rs 2,053.94 lakh to an Asset Reconstruction Company (ARC) for an aggregate consideration of Rs 1,679.00 lakh. This resulted in a loss of Rs 374.94 lakh, which was debited to the profit and loss account during the quarter.</li> <li _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Equity Allotment:</strong> During Q1FY27, the company allotted 50,000 equity shares to employees who exercised their options under approved employee stock option schemes.</li> <li _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Non-Convertible Debentures (NCDs):</strong> As of June 30, 2026, listed NCDs aggregated to Rs 1,23,919.68 lakh on a consolidated basis. These are secured by an exclusive charge on identified standard receivables and a subservient charge over immovable property, maintaining an asset cover of over 100%.</li> <li _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Liquidity Position:</strong> The group reported a liquidity coverage ratio of 187.87% for the quarter ended June 30, 2026.</li> <li _ngcontent-ng-c3377174747=""><strong _ngcontent-ng-c3377174747="">Regulatory Oversight:</strong> The Company is regulated by the Reserve Bank of India (RBI) and supervised by the National Housing Bank (NHB).</li> </ul> <p><strong>P. Balaji, Managing Director, said:</strong> Q1FY27 saw further improvement in business momentum, supported by the steady execution of our strategic growth initiatives, along with ongoing technology enhancements and process improvements. Our AUM grew 21% YoY to Rs 13,648 crore, driven by strong disbursements of Rs 1,053 crore, reflecting healthy growth.</p> <p>The strategic initiatives outlined at the beginning of the year are progressing well and are supporting our growth momentum. In line with our strategy of onboarding higher-quality customers, our decision to discontinue sanctions below 77 lakh loans last year is yielding encouraging results. We are witnessing an improvement in the quality of customers being onboarded.</p> <ul> <li>We strengthened our presence in Maharashtra and Odisha, where we are witnessing encouraging business traction, while also expanding our presence in existing markets.</li> <li>The branches opened during FY26 are now contributing meaningfully to business growth. During the quarter, we added 33 branches, taking our total network to 372, and plan to add another 25 branches in Q2 FY27. We are also pleased to note that the business momentum witnessed during Q1 FY27 has carried into the month of July as well.</li> <li>We are diversifying our sourcing channels through the expansion of our connector network and increased focus on digital marketing initiatives. The connector network continues to support our disbursements, with encouraging traction witnessed during the quarter.</li> <li>We remain focused on increasing the Average Ticket Size (ATS) to enhance portfolio quality and improve customer economics.</li> <li>We are also evaluating opportunities to expand our lending portfolio beyond Home Loans and SME Loans.</li> </ul> <p>Our investments in technology and data analytics are improving operating efficiency, strengthening underwriting, and enhancing customer experience. Digitisation remains strong, with over 92% of agreements executed digitally and 94% of collections through digital channels, while account aggregator data and credit bureau insights further strengthen credit assessment and underwriting.</p> <p>On the asset quality front, collection efficiency during the quarter was impacted to an extent by seasonality. This resulted in a slight sequential increase in delinquencies and NPAs. However, the underlying credit quality of the portfolio remains resilient, and we remain focused on strengthening our collection framework. The 30+ DPD stood at 6.87%, while GNPA and Net NPA stood at 1.70% and 1.29%, respectively.</p> <p>On the profitability front, our net spreads remained healthy at 9.0%. The Opex ratio remained at 2.7%, while the credit cost for the quarter stood at 0.6%, in line with our guidance. The net profit for the quarter came in Rs 261 crore, translating into an RoA of 7.8% and an RoE of 20.4%, among the best in the industry.</p> <p><a class="lb" href="/get-document/post/pdf/5757331/" target="_blank">Result PDF</a></p>

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