Stock: Aptus Value Housing Posts Robust Q4 FY25 Results

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Aptus Value Housing Q4 FY25 Results Signal Strong Growth Trajectory

By S Jha

CHENNAI, May 6, 2025 — Aptus Value Housing Finance India Ltd., a leading housing finance company focused on low- and middle-income families in semi-urban and rural areas, reported a stellar performance for the fourth quarter of fiscal year 2025 (Q4 FY25), ending March 31, 2025.

The company announced a consolidated net profit of ₹207.02 crore, marking a 26.2% year-on-year (YoY) increase from ₹164.03 crore in Q4 FY24, and an 8.67% quarter-on-quarter (QoQ) rise from ₹190.50 crore in Q3 FY25.

The company’s total revenue for Q4 FY25 reached ₹484 crore, up 30.8% YoY from ₹370 crore in the same quarter last year, driven by a 19.4% YoY increase in net interest income (NII) to ₹300 crore, according to a post by @aoiventures on X.

For the full fiscal year, standalone total revenue stood at ₹1,29,403.41 lakhs, with NII growing 21.1% YoY to ₹1,129 crore. Assets under management (AUM) grew 25% YoY, supported by a 10% YoY rise in disbursements, as highlighted by @gaze_observer on X.

Balaji, Managing Director of Aptus, attributed the strong performance to sustained business growth, stable asset quality, and a focus on productivity.

“Our diversified product offerings have significantly contributed to a robust and resilient income stream, positioning the company for sustained growth,” Balaji said, noting the addition of 38 new branches, bringing the total network to 300 across six states and one Union Territory.

Asset quality remained stable, with gross non-performing assets (GNPA) improving slightly to 1.18% from 1.20% QoQ, and net non-performing assets (NNPA) at 0.88% compared to 0.89% QoQ, as per @REDBOXINDIA on X.

The provision coverage ratio stood at 25.19%, reflecting prudent risk management. “Aptus’ focus on responsible lending and risk management ensures sustainable growth,” Balaji added.

The company declared a second interim dividend of ₹2.50 per equity share (125% of face value) for FY25, with a record date of May 16, 2025, as noted by @_Investor_Feed_ on X.

This follows a consistent dividend yield of 2.03%, which @indmoneyapp highlighted as standout compared to peers.

@CA_Ram_k praised the financial highlights, stating, “Net profit up 29.3% YoY to ₹207 crore and revenue growth of 30.8% showcase Aptus’ operational strength.”

@VROStocks emphasized the 16% YoY PAT growth, driven by higher interest income, and pointed to the company’s ambitious vision of reaching ₹25,000 crore AUM by FY28, implying a 32% CAGR, as echoed by @gaze_observer.

Analysts remain bullish, with a median target price of ₹374.83, suggesting a 15.5% upside from the current share price of ₹325.15, according to @indmoneyapp.

The company’s market capitalization stands at ₹15,961.56 crore, reflecting investor confidence despite a recent downtrend in stock price.

Aptus’ digital adoption, contributing 20% of business through customer referral and eco-partner apps, continues to bolster efficiency. With a capital adequacy ratio of 73% and liquidity of ₹1,239 crore, including ₹550 crore in undrawn sanctions, Aptus is well-positioned for its projected 30% AUM growth in coming years.

As Aptus expands its footprint in tier 3, 4, and 5 cities, its focus on affordable housing finance and operational efficiency cements its role as a key player in India’s NBFC sector.

“Aptus is a productivity-driven organization committed to maintaining the lowest cost-to-asset and cost-to-income ratios in the affordable housing finance sector,” Balaji reiterated.

(Disclaimer: This article makes no recommendation for buy or sell of shares of any company)

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