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Aptus Value Housing Finance India (APTUS) investor relations material
Aptus Value Housing Finance India Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved 22% YoY AUM growth to ₹11,767 Cr and 24% YoY PAT growth to ₹227 Cr in Q2 FY26, with disbursements up 24% QoQ to ₹963 Cr.
Board approved unaudited standalone and consolidated financial results for Q2 and H1 FY26, with statutory auditors issuing an unmodified limited review report.
Interim dividend of ₹2 per equity share declared for FY26, with record date set as November 7, 2025.
Expanded to 321 branches, adding 20 new locations, focusing on Maharashtra, Odisha, and under-penetrated areas.
Upgraded long-term credit rating to AA (Stable) by both ICRA and CARE.
Financial highlights
H1 FY26 PAT grew 26% YoY to ₹446 Cr; PPOP up 30% YoY to ₹608 Cr.
Q2 FY26 total income rose 27% YoY to ₹554 Cr; operating profit up 27% YoY to ₹312 Cr.
Consolidated Q2 FY26 revenue from operations: ₹54,404.03 lakhs, up from ₹46,953.41 lakhs in Q1 FY26 and ₹40,517.59 lakhs in Q2 FY25.
Consolidated Q2 FY26 net profit: ₹22,654.89 lakhs, up from ₹18,196.91 lakhs in Q2 FY25.
ROA at 7.9% and ROE at 20.0% for Q2 FY26, among industry best.
Outlook and guidance
Targeting ₹25,000 Cr AUM in the medium term with sustained 25%+ growth.
Continued focus on expanding in new and under-penetrated markets, leveraging technology for efficiency and risk management.
No explicit forward-looking guidance provided, but continued focus on housing finance and regulatory compliance noted.
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