Aptus Value Housing Finance India Limited Earnings Summary — Q1 FY2027
Aptus Value Housing Finance Reports 19% Profit Growth Amid Strong Loan Disbursements
Quarterly Business Intelligence
AI Quarterly Scorecard™
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
- Revenue has increased for 10 consecutive quarters.
- Revenue of ₹600 Cr is 15.4% higher year-on-year.
- Revenue has compounded at 23.3% annualised over the last 10 quarters.
- Revenue is at its highest level in 10 quarters.
- Net profit of ₹261 Cr is 19.0% above the same quarter last year.
- Profit growth is outpacing revenue growth, pointing to positive operating leverage.
- Net profit has compounded at 22.9% annualised across the period.
- Operating margin stands at 81.9% in Q1 FY2027.
- Operating margin compressed by 248 bps year-on-year.
- Over the last two years operating margin has contracted by 273 bps.
- PBT margin is 54.8%.
- Expenses grew 33.8% against revenue growth of 15.4%.
- Operating profit of ₹492 Cr is 12.0% higher year-on-year.
- Operating leverage has been under pressure recently.
- 6 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 74/100 (Strong) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 | Q4 FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Improving | 600 | 574 | 554 | 544 | 520 | 484 | 450 | 421 | 395 | 375 |
| Expenses | Improving | 108 | 101 | 99 | 91 | 81 | 75 | 67 | 68 | 61 | 61 |
| Operating Profit | Improving | 492 | 473 | 455 | 453 | 439 | 409 | 383 | 353 | 334 | 313 |
| Operating Margin | Stable | 81.9% | 82.3% | 82.1% | 83.2% | 84.4% | 84.5% | 85.0% | 83.8% | 84.7% | 83.6% |
| Other Income | Improving | 10 | 19 | 15 | 10 | 10 | 15 | 9 | 14 | 10 | 13 |
| Interest | Improving | 170 | 161 | 162 | 165 | 160 | 150 | 143 | 128 | 120 | 109 |
| Depreciation | Improving | 3 | 4 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 |
| Profit Before Tax | Improving | 329 | 328 | 304 | 294 | 286 | 271 | 246 | 237 | 222 | 215 |
| Tax | Improving | 68 | 67 | 68 | 68 | 66 | 64 | 55 | 55 | 50 | 51 |
| Net Profit | Improving | 261 | 261 | 236 | 227 | 219 | 207 | 191 | 182 | 172 | 164 |
| Net Margin | Stable | 43.5% | 45.4% | 42.7% | 41.6% | 42.1% | 42.8% | 42.3% | 43.2% | 43.5% | 43.8% |
Key Takeaways
- Consolidated Net Profit rose 19.01% YoY to ₹260.94 Cr, maintaining stability compared to the preceding quarter.
- Total Revenue from operations increased by 15.38% YoY, driven primarily by a ₹529.16 Cr contribution from interest income.
- The company maintained robust asset quality with a Gross NPA of 1.42% and a Net NPA of 1.07% at the standalone level.
- Operational efficiency remains high with a standalone Net Profit Margin of 45.01% for the quarter.
- Aptus continues its securitization strategy, assigning loan accounts worth ₹155.50 Cr during the quarter to maintain liquidity.
- The capital position remains strong with a Debt-Equity ratio of 1.26 and a Liquidity Coverage Ratio of 187.87%.
Management Guidance
Management focus remains on the self-employed, low-to-middle income segment in semi-urban and rural India, prioritizing first-time home buyers with self-occupied residential property as collateral.
Sentiment Shift
Stable
The company continues to deliver consistent double-digit growth in both revenue and profit while maintaining best-in-class asset quality and margins.
Outlook
The company is positioned for continued expansion in its niche rural housing market, supported by strong capital adequacy and a professionalized institutional backing model despite a significant reduction in promoter holding.
From the Annual Report (Key Quotes)
“The Group is engaged primarily in the business of housing finance and all other activities are incidental to the main activities.”
“The total asset cover is more than one hundred percent of the principal amount of the said debentures.”
“The financial results have been prepared in accordance with the recognition and measurement principles prescribed under section 133 of the Companies Act, 2013.”
Official Quarterly Documents
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This summary is AI-generated from Aptus Value Housing Finance India Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.
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