APTUS

Q4 2025 Result Analysis

Aptus Value Housing Finance reported a strong performance for Q4FY25 and the full year FY25, marked by solid growth in AUM and profitability, along with disciplined asset quality and operational efficiency. In Q4FY25, AUM stood at Rs 10,865 crore, reflecting 25% YoY growth. PAT increased by 26% YoY to Rs 207 crore. Spread remained stable at 8.71%, while gross NPA edged up slightly by 12 bps to 1.19%. Operating expenses as a percentage of assets stayed flat at 2.69%, and although RoA dipped marginally to 7.85%, RoE improved significantly by 241 bps to 19.66%. For FY25, the company reported disbursements of Rs 3,604 crore, up 15% YoY, and PAT of Rs 751 crore, a 23% increase YoY. ROA and ROE for the year were 7.73% and 18.76%, respectively. The branch network expanded to 300 locations with the addition of 38 new branches. Asset quality remained robust, with net credit costs held steady at 0.29%, and digital adoption continued to gain traction with 92% digital agreement penetration and 96% digital collections. The company remains highly capitalized with a capital adequacy ratio of 70% and liquidity of Rs 1,155 crore. Aptus reiterated its long-term goal of reaching Rs 25,000 crore AUM by FY28 through continued geographic expansion, digital transformation, and prudent credit practices.