Q1 2026 Aptus Value Housing Finance India Ltd Earnings Call Transcript
Key Points
- Aptus Value Housing Finance India Ltd (BOM:543335) achieved a 24% year-on-year growth in Assets Under Management (AUM), reaching INR11,267 crore.
- The company's long-term credit rating was upgraded to CARE AA from AA-, reflecting its financial strength and prudent risk management.
- The company reported a Return on Equity (ROE) of over 20% and a Return on Assets (ROA) of 7.9%, indicating strong profitability.
- Aptus Value Housing Finance India Ltd (BOM:543335) is expanding its operations in Maharashtra and Odisha, with a loan book crossing INR67 crore in these states.
- The company is investing in digital capabilities and branch expansion to support long-term sustainable growth, with 21% of Q1 FY25 business originating through digital channels.
- The company's Gross Non-Performing Assets (GNPA) rose by 19 basis points to 1.49% due to seasonality.
- Disbursements for the quarter were down 27% sequentially, attributed to seasonal factors affecting construction activity.
- The credit cost increased by 8 basis points sequentially to 38 basis points.
- There is a noted challenge in reducing the 30-plus Days Past Due (DPD) category, which stands at 6.45%, indicating potential stress in collections.
- The company faces emerging competition in the affordable housing finance segment, which could impact future growth.
Ladies and gentlemen. Good day and welcome to the Aptus Value Housing Finance India Limited Q1 FY26 earnings conference call hosted by Dolat Capital Markets Private Limited. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Ms. Mona Khetan. Thank you and over to you, ma'am.
Thank you, Nidhi. Good morning, everyone. On behalf of Dolat Capital, I welcome you all to the earnings conference call of Aptus Value Housing Finance to discuss its Q1 FY26 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. Thank you, and over to you, sir.
Thank you, Mona. Good morning, ladies and gentlemen. I'm Anandan, Executive Chairman of the company. I welcome you all to this earnings call to discuss our performance for the
| Access to All Earning Calls and Stock Analysis | |
| 30-Year Financial on one screen | |
| All-in-one Stock Screener with unlimited filters | |
| Customizable Stock Dashboard | |
| Real Time Insider Trading Transactions | |
| 8,000+ Institutional investors’ 13F holdings | |
| Powerful Excel Add-in and Google sheets Add-on | |
| All data downloadable | |
| Quick customer support | |
| And much more... |
Trustpilot
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
