APTUS Aptus Value Housing Finance India Q3 FY26 results (Oct–Dec 2025) and concall
Aptus Value Housing Finance reported a strong Q3 FY26, with AUM growing 21% YoY to INR12,330 crores and Net Income Margin up 26% YoY. Profitability metrics like ROE (20.2%) and ROA (7.9%) remained robust. The company is focusing on sustained AUM growth of 22-24% through branch expansion, increased average ticket size, and calibrated pricing, despite a conscious pullback from loans below INR7 lakhs. Asset quality remained largely stable, though a slight uptick in DPD and SME NPAs was noted, with management confident in controlling it by Q4.
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What they filed
Q3 FY26: revenue up 23.1%, net profit up 24.2% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 421 | 450 | 484 | 520 | 544 +29% | 554 +23% |
| EBITDA | 353 | 383 | 409 | 439 | 453 +28% | 455 +19% |
| Net profit | 182 | 190 | 207 | 219 | 227 +25% | 236 +24% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
