Q4 2025 Aptus Value Housing Finance India Ltd Earnings Call Transcript
Key Points
- Aptus Value Housing Finance India Ltd (BOM:543335) reported a strong AUM growth of 25% year-on-year, reaching INR10,865 crores.
- The company achieved a disbursement growth of 15% for the year, with a notable 10% increase in the last quarter.
- Net NPA was maintained at a low level of 0.89%, indicating strong asset quality.
- The company has a robust distribution network with 300 branches, contributing to its growth strategy.
- Aptus Value Housing Finance India Ltd (BOM:543335) maintained a high ROE of 18.76% for the year, with the fourth quarter ROE crossing 19%.
- Disbursement growth in Andhra Pradesh appears to be losing momentum, raising concerns about regional performance.
- The company's operating expenses increased by 11% quarter-on-quarter, attributed to investments in branches and technology.
- There is a potential risk from the Tamil Nadu government's ordinance affecting money lenders, which could impact collections.
- The company's reliance on Andhra Pradesh, which constitutes over 40% of AUM, poses a concentration risk.
- Employee attrition at the field level remains high at around 40% to 45%, which could impact operational efficiency.
Ladies and gentlemen, good day, and welcome to the Aptus Value Housing Finance India Limited Q4 FY '25 earnings conference call hosted by Dolat Capital.
(Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Ms. Mona Khetan from Dolat Capital. Thank you, and over to you, ma'am.
Thank you, Sean. Good morning, everyone, and welcome to the earnings call of Aptus Value Housing Finance India Limited to discuss its Q4 and FY '25 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, post which you can open the floor for Q&A. Thank you, and over to you, sir.
Thank you, Mona. Ladies and gentlemen, good morning to all of you. I am Anandan, Executive Chairman of the company. I welcome
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