The call ran from 5:29 PM to 6:08 PM IST (39 min).
Key takeaways
Q2 PAT ₹267 Cr (+18% YoY), but NBFC stress is rising: collection efficiency fell to 98.35% and credit costs were raised. Management reiterates 22% FY27 growth despite a Q3 slowdown.
| Revenue growth | Net income ₹463 Cr, +19% YoY; H1 disbursements +27%; Q2 growth quoted inconsistently. |
|---|---|
| Margins | Opex 2.8% of AUM, within guided 2.6–2.8%; NIM hit of 7–8 bps from rates. |
| Demand visibility | Demand described as sustained; Q3 growth to moderate on weather and underwriting. |
| Management confidence | Balanced-to-defensive; admits NBFC slippage, reiterates 22% FY27 growth. |
Growth
Net income +19% YoY to ₹463 Cr; H1 disbursements +27%. Q2 disbursement growth is quoted as both 20% and 30%.
Outlook
Reiterates 22% AUM growth for FY27; Q3 to moderate, Q4 recovery expected; credit cost guidance raised 5–10 bps.
Risks
NBFC GNPA 2.17% vs 1.59% a year ago; Stage 2 at 6.88%; credit cost guidance raised 5–10 bps; Q3 growth moderation.
Summary by ALFA Finder, written with AI assistance from the earnings call transcript the company filed, published . Open it on ALFA Filings ›
The results behind this call
Aptus Value Housing Finance India Q2 FY27 Results: Net Profit ₹267.4 Cr, Up 18.1% YoY
Aptus Value Housing Finance India Ltd reported revenue from operations of ₹623.6 Cr (+14.6% YoY) and net profit of ₹267.4 Cr (+18.1% YoY) for Q2 FY27.
- Key figure
- Net profit ₹267.4 Cr · +18.1% YoY
What management said last time
Full summary →From the call summary published .
Outlook they gave
Management guides for 22-24% AUM growth in FY27 with spreads maintained at 9%.
Growth they described
AUM grew 21% YoY; disbursements surged 36% driven by branch expansion and higher ticket sizes.
Call details
| Company | Aptus Value Housing Finance India Ltd |
|---|---|
| NSE symbol | APTUS |
| ISIN | INE852O01025 |
| Call | Q2 FY27 earnings call |
| Date | Wednesday, 4 November 2026 |
| Time | 5:30 PM IST |
| Length | 39 min |
Aptus Value Housing Finance India Ltd: key numbers
- Share price
- ₹206.28
- Market cap
- ₹10,331 Cr
- Revenue (annual)
- ₹2,192 Cr
- Net profit (annual)
- ₹942.9 Cr
- P/E (TTM)
- 10.1×Sector 19.5×
- Promoter holding
- 23.86%+0.00% QoQ
- FII holding
- 30.54%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
Other calls on Wed, 4 Nov
Today's concalls →
