Aptus Value Housing Finance India (APTUS) investor relations material

Executive summary

• Achieved 21% year-over-year AUM growth to INR 13,107 crore in FY 2026, with highest-ever quarterly disbursements of INR 1,242 crore in Q4, despite discontinuing loans below INR 7 lakhs.

• Net profit for FY 2026 rose 26% YoY to INR 943 crore; Q4 FY26 PAT at INR 261 crore, up 26% YoY.

• Technology and process enhancements drove efficiency, with over 92% digital agreements and 94% digital collections.

• Expanded branch network to 339, entering Maharashtra and Odisha, with plans for 50-60 new branches in FY 2027.

• Audited standalone and consolidated financial results for Q4 and FY ended March 31, 2026, were approved, showing strong growth in revenue and profitability year-over-year.

Financial highlights

• AUM grew 21% YoY to INR 13,107 crore; FY26 disbursements reached INR 4,009 crore, up 11% YoY.

• Net income margin rose 24% YoY to INR 424 crore in Q4; FY26 total income grew 25% YoY to INR 2,246 crore.

• FY26 ROA at 7.9%, ROE at 20.1%; Q4 FY26 ROA at 8.2%, ROE at 21.2%.

• Dividend of INR 4.50 declared for the year; second interim dividend of Rs. 2.50 per share for FY 2025-26.

• Consolidated net profit for FY 2026 was Rs. 94,294.39 lakhs, up from Rs. 75,124.61 lakhs year-over-year.

Outlook and guidance

• Targeting 22%-24% AUM growth in FY 2027, supported by branch expansion, higher average ticket size, and technology-led efficiency.

• Confident of sustaining 20%+ growth and best-in-class ROE of 20%+.

• Expecting stable borrowing costs and slight yield moderation due to calibrated lending rates.

• Continued focus on growth, capital adequacy, and compliance with regulatory requirements.