Q4 2026 Aptus Value Housing Finance India Ltd Earnings Call Transcript
Key Points
- Aptus Value Housing Finance India Ltd (BOM:543335) achieved its highest quarterly disbursements of INR1,242 crores in Q4 FY26, indicating strong growth momentum.
- The company expanded its geographical presence by entering new states such as Maharashtra and Odisha, and plans to open around 60 new branches in FY27.
- AUM grew by 21% year-on-year to INR13,107 crores, showcasing robust business growth.
- The company maintained a strong liquidity position with total liquidity of INR2,057 crores as of March 31, 2026.
- Profitability improved with net income growing by 24% year-on-year to INR434 crores, and profit increasing by 26% year-on-year to INR261 crores, resulting in an ROA and ROE of 8.2% and 21.2%, respectively.
- The GNPA increased to 1.52% in FY26 from 1.19% in FY25, primarily due to a marginal increase in the NPA of non-deposit-taking finance companies.
- The collection efficiency, although improved to 100.5%, was still lower than the past couple of years in Q4.
- The company faced high competition in Tamil Nadu, leading to challenges in retaining employees.
- The cost-to-AUM ratio increased slightly to 2.7% from 2.6%, attributed to higher employee payouts and increased IT spending.
- The company noted a slight increase in credit costs, with guidance for credit costs to remain at 0.5% plus or minus 0.1%.
Good morning, ladies and gentlemen. I am Meera, moderator for this conference. Welcome to the earnings conference call of Aptus Value Housing Finance India Limited to discuss its results for the quarter and year ended March 31, 2026.
This conference call may contain forward-looking statements based on the company's beliefs, assumptions, and expectations as of today. These statements are subject to risks and uncertainties, and actual results may differ materially. (Operator Instructions) Please note that this conference is being recorded.
We have with us today Mr. M. Anandan, Executive Chairman; Mr. P. Balaji, Managing Director; Mr. C. P. Manoharan, Executive Director and Chief Business Officer; and Mr. Sanjay Mittal, Chief Financial Officer.
I would now like to hand the call to Mr. Anandan for his opening remarks. Thank you, and over to you, sir.
Thank you. Good morning, ladies and gentlemen. I am Anandan, Executive Chairman of Aptus Value Housing
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