Q3 2025 Aptus Value Housing Finance India Ltd Earnings Call Transcript
Key Points
- Aptus Value Housing Finance India Ltd (BOM:543335) achieved a significant milestone by surpassing an INR10,000 crore loan book and serving over 150,000 customers.
- The company reported a strong year-on-year growth of 27% in revenue, reaching INR1,326 crore.
- Asset quality remains stable with a net NPA of 0.96% and a coverage ratio consistently maintained at 13%.
- The company has expanded its branch network to 98 branches, with plans to continue expansion in states like Orissa and Maharashtra.
- Aptus Value Housing Finance India Ltd received a corporate agency license from IRDA, which is expected to enhance its income streams through insurance distribution.
- Employee costs have remained stable despite a significant increase in AUM and branch additions, raising questions about future cost management.
- The company's collection efficiency has been slightly impacted by seasonal factors, such as floods in Tamil Nadu and festival holidays.
- There is a concern about the elevated write-offs during the quarter, although the company maintains it is due to technical write-offs.
- The company faces competition in new markets like Maharashtra, which could potentially impact yields and spreads.
- Despite strong growth, the company acknowledges that its ROA might decrease as leverage increases to support future growth.
Ladies and gentlemen, good day, and welcome to the Q3 FY25 earnings conference call of Aptus Value Housing Finance India Limited, hosted by Dolat Capital Markets Private Limited. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Miss Mona Khetan from Dolat Capital Markets. Thank you and over to you, ma'am.
Thank you, Elari. Good morning, everyone, and welcome to the earnings call of Aptus Value Housing Finance India Limited Q3 and nine-months FY25 performance. We have with us the senior management from Aptus to share industry and business updates. I would now like to hand over to Mr. Anandan for his opening comments. After this, we can take up the Q&A. Thank you and over to you, sir.
Oh, thank you, Mona. Ladies and gentlemen, good morning to all of you. I'm Anandan, Executive Chairman of the company. I welcome you all
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