Aptus Value Housing Finance India (APTUS) Q4 24/25 earnings summary

Executive summary

• Achieved strong business growth in FY25, with AUM reaching ₹10,865 Cr (up 25% YoY), 1.62 lakh customers, and 300 branches across 6 states and 1 union territory, supported by stable asset quality, high productivity, and customer-centric tech initiatives.

• Focused on home loans and small business loans for self-employed, low/middle-income families in semi-urban and tier 2/3/4 cities, with recognized governance and digital transformation.

• Audited standalone and consolidated financial results for FY25 were approved with unmodified audit opinions; second interim dividend of ₹2.50 per share declared.

• Net worth exceeded ₹4,300 Cr, with strong support from banks, NHB, mutual funds, and DFIs, enabling scalability and sustained profitability.

Financial highlights

• FY25 PAT at ₹751 Cr, up 23% YoY; AUM at ₹10,865 Cr, up 25% YoY; revenue at ₹1,799 Cr, up 28% YoY; disbursements at ₹3,604 Cr, up 15% YoY.

• NIM at 12.96%; OPEX to assets at 2.63%; ROA at 7.73%; ROE at 18.8% for FY25; Q4 ROE at 19.66%.

• Gross NPA at 1.19%, Net NPA at 0.89%, provision coverage at 86%, and credit cost at 0.29%-0.3%.

• Standalone revenue from operations for FY25 was ₹1,29,403.41 lakh, consolidated revenue at ₹1,75,040.87 lakh; standalone net profit at ₹57,544.36 lakh, consolidated net profit at ₹75,124.61 lakh.

Outlook and guidance

• Disbursement growth guidance for FY26 at 24%-25%, with loan book growth targeted at 28%-30%.

• Plans for deeper penetration in existing markets, contiguous expansion into Maharashtra and Odisha, and opening 40 new branches.

• Continued focus on productivity, credit cost (guidance at 40-45 bps), and opex to sustain profitability and asset quality.