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APTUS - Aptus Value Hou.

📊 NSE: APTUS 🏢 Finance - Housing 📅 Last Updated: 12/13/2025 18:27

📢 Recent Corporate Announcements

Aptus Value Housing: Independent Director V. G. Kannan Completes 5-Year Tenure

🟡 NEUTRAL ⭐ 3/10

MANAGEMENT 📅 09 Mar 2026, 12:17 PM

Aptus Value Housing Finance India Limited has announced that Mr. V. G. Kannan has ceased to be an Independent Director of the company. This change occurred following the completion of his first five-year term on March 08, 2026. The cessation is a routine governance event rather than a resignation or removal for cause. The company will likely initiate the process of appointing a new director to maintain board strength and regulatory compliance.

Mr. V. G. Kannan completed his first term of 5 consecutive years as an Independent Director.
The cessation was effective from the close of business hours on March 08, 2026.
The disclosure was made under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
No other material reasons were cited for the departure beyond the completion of the scheduled tenure.

💡 This is a routine board rotation and requires no immediate action from investors. Monitor future announcements regarding the appointment of a new Independent Director to the board.

Aptus Value Housing Finance Allots 10,000 Equity Shares Under ESOP 2021

🟡 NEUTRAL ⭐ 2/10

ROUTINE 📅 03 Mar 2026, 03:19 PM

Aptus Value Housing Finance has approved the allotment of 10,000 equity shares to employees following the exercise of stock options under its 2021 ESOP scheme. This allotment increases the company's total paid-up share capital from Rs. 1,00,14,65,472 to Rs. 1,00,14,85,472. The new shares carry the same rights as existing shares and are being processed for listing on the BSE and NSE. The dilution resulting from this specific allotment is negligible relative to the total share count of over 50 crore shares.

Allotment of 10,000 equity shares with a face value of Rs. 2 each
Total paid-up share capital increased to Rs. 1,00,14,85,472
Total number of equity shares outstanding rose to 50,07,42,736
Shares were issued under the Aptus Employee Stock Option Scheme, 2021

💡 No action is required as this is a routine administrative allotment with minimal impact on shareholder value or earnings per share.

Aptus Shareholders Reject Special Resolution to Amend Articles of Association

🔴 NEGATIVE ⭐ 7/10

REGULATORY 📅 19 Feb 2026, 06:47 PM

Aptus Value Housing Finance announced that its shareholders have rejected a special resolution to amend the Company's Articles of Association. Despite 100% support from the promoter group, the resolution failed as 74% of institutional investors voted against it. Overall, only 49.07% of the total votes polled were in favour, falling significantly short of the 75% required for a special resolution. This indicates a significant disconnect between the management and institutional shareholders regarding the proposed governance changes.

Special resolution to amend Articles of Association failed with only 49.07% votes in favour
Institutional investors overwhelmingly opposed the move, with 74% (20.69 crore votes) voting against
Promoter group was 100% in favour of the resolution, polling 11.95 crore votes
Total voter turnout was high at 81.17% of the total outstanding shares
The resolution required a 75% majority to pass but failed to even reach a simple majority

💡 Investors should investigate the specific nature of the proposed amendments to understand why institutional shareholders blocked them. This lack of alignment between management and institutions is a signal to monitor corporate governance closely.

Aptus Value Housing to Participate in Kotak's Chasing Growth 2026 Investor Event

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 19 Feb 2026, 10:52 AM

Aptus Value Housing Finance India Limited has scheduled meetings with institutional investors and analysts on February 23, 2026. The company will be participating in the 'Chasing Growth 2026' event organized by Kotak Securities in Mumbai. These interactions will consist of one-on-one and group meetings to discuss the company's business outlook. The management has clarified that no unpublished price sensitive information (UPSI) will be shared during these sessions.

Investor meetings scheduled for February 23, 2026, in Mumbai.
Participation in the 'Chasing Growth 2026' conference hosted by Kotak Securities.
Meetings will include both one-on-one and group formats with institutional investors.
Discussions will be based on the Investor Presentation previously filed on February 04, 2026.

💡 This is a routine investor engagement activity; no immediate action is required. Investors may review the company's February 04 presentation to understand the current growth trajectory and management commentary.

Aptus Value Housing to Participate in Kotak's 'Chasing Growth 2026' Investor Meet on Feb 23

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 19 Feb 2026, 10:08 AM

Aptus Value Housing Finance India Limited has announced its participation in the 'Chasing Growth 2026' investor conference organized by Kotak Securities. The event is scheduled for February 23, 2026, in Mumbai, where company officials will engage in one-on-one and group meetings with institutional investors. The company emphasized that discussions will be based strictly on publicly available information, specifically referencing the investor presentation released on February 04, 2026. This is a routine engagement aimed at maintaining transparency with the analyst community.

Participation in Kotak Securities' 'Chasing Growth 2026' event on February 23, 2026.
Meetings to be held in Mumbai in both one-on-one and group formats.
Discussions will rely on the investor presentation previously filed on February 04, 2026.
Management confirmed that no unpublished price sensitive information (UPSI) will be shared.
The schedule is subject to change based on exigencies from the host or company.

💡 No immediate action is required as this is a routine investor relations activity. Investors may review the February 04 presentation to understand the current growth narrative being shared with institutional players.

Aptus Value Housing Finance to Meet Equirus Securities on February 16, 2026

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 16 Feb 2026, 11:42 AM

Aptus Value Housing Finance India Limited has scheduled a physical meeting with Equirus Securities in Mumbai on February 16, 2026. The company stated that the discussions will be based solely on publicly available information, ensuring no unpublished price sensitive information is shared. This meeting follows the company's recent investor presentation update released on February 4, 2026. Such interactions are part of the company's routine engagement with institutional investors and analysts.

Physical meeting scheduled with Equirus Securities in Mumbai on February 16, 2026
Compliance with Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
Discussions limited to publicly available information with no UPSI to be shared
Reference made to the investor presentation previously uploaded on February 4, 2026

💡 No immediate action is required as this is a routine analyst meeting. Investors may review the existing February 4 investor presentation for insights into the company's current performance.

Aptus Value Housing Finance Releases Q3 FY26 Earnings Call Transcript

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 12 Feb 2026, 07:03 PM

Aptus Value Housing Finance has officially released the transcript for its Q3 FY26 earnings conference call held on February 5, 2026. This document provides a detailed record of the management's discussion regarding the financial performance for the quarter ended December 31, 2025. The filing is a routine regulatory requirement under SEBI LODR regulations to ensure transparency for all shareholders. Investors can now access the full dialogue between management and analysts to better understand the company's strategic direction.

Official transcript of the Q3 FY26 earnings call held on February 5, 2026, is now available.
The disclosure follows Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
Management confirmed that no unpublished price sensitive information (UPSI) was shared during the session.
The transcript provides detailed insights into the company's performance for the nine-month period ending December 31, 2025.

💡 Investors should review the transcript on the company's website to gain deeper insights into management's commentary on asset quality and growth guidance. This document is useful for long-term fundamental analysis rather than immediate trading triggers.

Aptus Value Housing Finance Allots NCDs Worth Rs 100 Crore at 7.85% Coupon

🟢 POSITIVE ⭐ 7/10

FUNDRAISE 📅 12 Feb 2026, 02:52 PM

Aptus Value Housing Finance has successfully allotted 10,000 secured, redeemable, non-convertible debentures (NCDs) on a private placement basis. The total fundraise amounts to Rs 100 crore with a face value of Rs 1 lakh per instrument. These NCDs carry a coupon rate of 7.85% per annum, payable monthly, and have a tenor of five years. The principal repayment will occur through equal quarterly installments following an initial 12-month moratorium period.

Allotment of 10,000 secured NCDs aggregating to Rs 100 crore on a private placement basis
Coupon rate fixed at 7.85% per annum with interest payments scheduled monthly
Instrument tenor of 5 years with final maturity set for February 12, 2031
Principal repayment structure involves equal quarterly redemptions starting after a 12-month moratorium
Security cover of 110% maintained over book debts and receivables to protect debenture holders

💡 Investors should view this as a positive liquidity management step that provides the company with stable, long-term capital for its lending operations. The competitive 7.85% coupon rate indicates strong creditworthiness and efficient borrowing costs for the housing finance company.

Aptus Value Housing Finance to Meet Institutional Investors from Feb 6 to Feb 10, 2026

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 05 Feb 2026, 04:23 PM

Aptus Value Housing Finance has scheduled a series of one-on-one meetings with institutional investors including WFM Asia, Value Partners, and East Bridge. These meetings are slated to take place between February 6 and February 10, 2026, through both virtual and physical modes. The company has clarified that discussions will be based on publicly available information and no unpublished price sensitive information will be shared. This follows the recent upload of their updated investor presentation on February 4, 2026.

Virtual one-on-one meeting with WFM Asia scheduled for February 6, 2026
One-on-one virtual interaction with Value Partners set for February 9, 2026
Physical meeting with East Bridge to be held in Chennai on February 10, 2026
Discussions to be based solely on the investor presentation released on February 4, 2026

💡 Investors should review the latest investor presentation on the company website to understand the current growth trajectory. No immediate action is required as these are routine institutional interactions.

Aptus Value Housing Finance Releases Q3 FY26 Earnings Call Audio Recording

🟡 NEUTRAL ⭐ 4/10

EARNINGS 📅 05 Feb 2026, 12:56 PM

Aptus Value Housing Finance India Limited has released the audio recording of its earnings conference call for the third quarter ended December 31, 2025. The call was held on February 05, 2026, to discuss the company's financial performance and operational updates. This disclosure is a routine regulatory requirement under SEBI LODR Regulations. Investors can access the recording on the company's website to understand management's perspective on the quarter's results.

Earnings conference call for Q3 FY26 was successfully conducted on February 05, 2026.
Audio recording of the call is now available for public access on the company's investor relations website.
The call covers financial and operational performance for the nine-month period ending December 31, 2025.
Compliance maintained as per Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

💡 Investors should listen to the recording to gain insights into management's commentary on asset quality, NIM trends, and loan book growth targets for the upcoming quarters.

Aptus Value Housing Q3 FY26 Net Profit Rises 26% YoY to ₹239 Cr; AUM Up 21%

🟢 POSITIVE ⭐ 8/10

EARNINGS 📅 04 Feb 2026, 02:14 PM

Aptus Value Housing reported a strong Q3 FY26 with adjusted Net Profit growing 26% YoY to ₹239 Cr, supported by a 21% increase in AUM to ₹12,330 Cr. The company continues to deliver industry-leading profitability with an RoA of 7.9% and RoE of 20.2%. While Gross NPA saw a slight YoY increase to 1.6%, it remained flat on a sequential basis. Management is strategically shifting towards higher ticket sizes by discontinuing loans below ₹7 lakh to enhance portfolio quality.

Assets Under Management (AUM) grew 21% YoY to reach ₹12,330 Cr as of December 2025.
Adjusted Net Profit for Q3 FY26 rose 26% YoY to ₹239 Cr, excluding one-time labor code costs.
Profitability remains superior with RoA at 7.9% and RoE at 20.2% for the quarter.
Gross NPA and Net NPA stood at 1.6% and 1.2% respectively, showing a slight uptick from 1.3% and 1.0% YoY.
Management guided for a sustainable AUM growth of 22-24% driven by branch expansion and higher ticket sizes.

💡 Investors should view the robust RoA and steady AUM growth positively, though the slight moderation in asset quality requires monitoring. The strategic shift toward higher-quality customer cohorts could support long-term valuation.

Aptus Value Housing Finance Q3 PAT Rises 26% YoY to ₹239 Cr; AUM Hits ₹12,330 Cr

🟢 POSITIVE ⭐ 8/10

EARNINGS 📅 04 Feb 2026, 02:06 PM

Aptus Value Housing Finance reported a strong performance for Q3 FY26, with Profit After Tax (PAT) increasing by 26% YoY to ₹239 crore. The Assets Under Management (AUM) grew by 21% YoY to reach ₹12,330 crore, supported by an 11% growth in quarterly disbursements. While asset quality remained stable sequentially with GNPA at 1.56%, the company maintained industry-leading profitability metrics with an RoA of 7.9% and RoE of 20.2%. Management highlighted a strategic shift toward higher ticket sizes by discontinuing sanctions below ₹7 lakh to improve customer quality.

AUM grew 21% YoY to ₹12,330 crore, driven by a customer base of 1.79 lakh.
Net Profit for 9M FY26 rose 26% YoY to ₹685 crore with a robust RoA of 7.9%.
Spreads improved to 8.9% as the Cost of Borrowing declined by 18 bps YoY to 8.4%.
Network expanded to 335 branches, with strategic focus on Maharashtra and Odisha.
Asset quality remained stable sequentially with GNPA at 1.56% and NNPA at 1.18%.

💡 Investors should note the company's industry-leading RoA and successful expansion into non-South markets. The strategic shift to higher ticket sizes may moderate volume growth but is expected to enhance long-term portfolio quality and risk-adjusted returns.

Aptus Value Housing Finance Q3 PAT Rises 24% YoY to ₹236 Crore

🟢 POSITIVE ⭐ 8/10

EARNINGS 📅 04 Feb 2026, 01:46 PM

Aptus Value Housing Finance reported a strong performance for the third quarter ended December 31, 2025, with consolidated Profit After Tax (PAT) growing 24% year-on-year to ₹236.19 crore. Total revenue from operations increased by 23% to ₹553.60 crore, driven primarily by a steady rise in interest income. The company's 9-month PAT for FY26 stands at ₹681.99 crore, significantly higher than the ₹544.22 crore recorded in the same period last year. During the quarter, the company also successfully raised ₹150 crore through the issuance of secured Non-Convertible Debentures (NCDs) to support its growth trajectory.

Consolidated Net Profit grew 24% YoY to ₹236.19 crore in Q3 FY26 compared to ₹190.50 crore in Q3 FY25.
Total Revenue from operations rose 23% YoY to ₹553.60 crore, up from ₹450.05 crore in the previous year's quarter.
Earnings Per Share (EPS) increased to ₹4.72 for the quarter, compared to ₹3.82 in the corresponding quarter of the previous year.
The company successfully raised ₹150 crore through private placement of 15,000 secured Non-Convertible Debentures (NCDs).
Finance costs increased to ₹162.49 crore from ₹142.91 crore YoY, while impairment charges rose to ₹16.90 crore.

💡 Investors should view these results positively as the company maintains strong growth momentum and healthy profitability in the affordable housing segment. The steady increase in interest income and successful fundraise indicate robust operational health.

Aptus Value Housing Finance to Hold Q3 FY26 Earnings Call on February 05, 2026

🟡 NEUTRAL ⭐ 4/10

EARNINGS 📅 20 Jan 2026, 04:56 PM

Aptus Value Housing Finance India Limited has scheduled its earnings conference call for Thursday, February 05, 2026, at 10:00 AM IST. The management will discuss the financial and operational performance for the third quarter ended December 31, 2025. This call provides a platform for institutional investors and analysts to seek clarifications on the company's growth trajectory and asset quality. The company has provided universal dial-in numbers and international toll-free options for global participation.

Earnings conference call scheduled for February 05, 2026, at 10:00 AM IST.
Discussion will focus on Q3 FY26 financial results for the period ending December 31, 2025.
Universal dial-in numbers provided are +91 22 6280 1407 and +91 22 7115 8340.
International toll-free access available for investors in USA, UK, Singapore, and Hong Kong.
Pre-registration link and Investor Relations contact details (Mr. Amit Singh) have been shared.

💡 Investors should attend or review the transcript of the call to understand management's outlook on credit costs and disbursement growth. Key metrics to watch include Net Interest Margins (NIMs) and Gross NPA trends in the affordable housing segment.

Aptus Value Housing Proposes AoA Amendments to Grant Specific Rights to Promoters

🔵 WATCH ⭐ 6/10

REGULATORY 📅 19 Jan 2026, 04:16 PM

Aptus Value Housing Finance has initiated a postal ballot to seek shareholder approval for amending its Articles of Association (AoA). The proposed changes aim to formalize specific rights for the company's promoters, including the power to nominate directors and affirmative voting rights on reserved matters. The remote e-voting period is set for January 20, 2026, to February 18, 2026, with the final results expected by February 20, 2026. This move is a significant governance update that could consolidate promoter influence over key board-level decisions.

Proposed special resolution to amend Articles of Association to grant specific rights to Promoters.
Rights include director nomination, affirmative voting on reserved matters, and specific board quorum requirements.
Remote e-voting period scheduled from January 20, 2026, to February 18, 2026.
Shareholders as of the cut-off date of January 09, 2026, are eligible to participate in the vote.
Final results of the postal ballot will be announced on or before February 20, 2026.

💡 Investors should review the specific 'reserved matters' in the explanatory statement to understand the extent of promoter control. Monitor the voting results to gauge institutional investor sentiment regarding these governance changes.

View All APTUS Announcements on Live Market Tracking →

💰 Financial Performance

Revenue Growth by Segment

Total income grew by 27.6% from INR 1,409.2 Cr in FY24 to INR 1,798.4 Cr in FY25. The portfolio is split between Housing Loans (71% of AUM) and Non-Housing/SME loans (29% of AUM). AUM reached INR 10,865 Cr as of March 2025, a 28% CAGR over five years, further growing to INR 11,267 Cr by June 2025.

Geographic Revenue Split

The company is heavily concentrated in Southern India, specifically Tamil Nadu, Andhra Pradesh, Telangana, and Karnataka. While specific % splits per state are not provided, these four states represent the vast majority of the INR 10,865 Cr AUM, with gradual expansion starting in Odisha and Maharashtra.

Profitability Margins

Profit After Tax (PAT) increased by 22.8% to INR 751.2 Cr in FY25 from INR 611.9 Cr in FY24. Return on Managed Assets (RoMA) remained robust at 7.3% in FY25 and 7.5% in Q1 FY26. Net Interest Margin (NIM) saw a slight compression from 11.54% in FY24 to 11.17% in FY25 due to rising borrowing costs.

EBITDA Margin

Pre-provision operating profit (PPOP) rose 23% from INR 815 Cr in FY24 to INR 1,003 Cr in FY25. Return on Equity (ROE) improved to 18.76% in FY25 from 17.25% in FY24, driven by higher leverage and efficient operations.

Capital Expenditure

Not disclosed as a single INR figure, but the company is investing in digital interfaces and branch expansion. Tangible Net Worth stood at INR 4,294 Cr as of March 2025, which is expected to fund growth for the next 3-5 years without fresh equity infusion.

Credit Rating & Borrowing

The company maintains a strong capital profile with a CRAR of 71.3% as of June 2025. Borrowing costs are managed through a diversified profile: Banks (53%), NHB (15%), Securitisation (13%), and NCDs (19%). Gearing increased from 1.4x in FY24 to 1.6x in FY25.

⚙️ Operational Drivers

Raw Materials

Not applicable for financial services; the primary 'raw material' is capital/debt. Cost of borrowings increased slightly, impacting NIM by 37 bps YoY.

Key Suppliers

Key lenders include National Housing Bank (NHB) and various public/private sector banks (34% public, 66% private bank split within the bank borrowing segment).

Capacity Expansion

Staff strength grew to 3,351 employees as of March 2025. The company is expanding its branch network into Maharashtra and Odisha to diversify its geographic footprint beyond South India.

Raw Material Costs

Finance costs are the primary expense. Debt-to-equity ratio stood at 1.59:1 in FY25 compared to 1.38:1 in FY24, reflecting increased utilization of debt to fund the 15% growth in disbursements (INR 3,604 Cr).

Manufacturing Efficiency

Opex to Assets ratio improved from 2.70% in FY24 to 2.63% in FY25, demonstrating economies of scale as the AUM grows faster than operating expenses.

Logistics & Distribution

Distribution is handled through a physical branch network; the company is enhancing its digital interface to reduce long-term customer acquisition costs.

📈 Strategic Growth

Expected Growth Rate

25-30%

Growth Strategy

Growth will be driven by geographic expansion into Maharashtra and Odisha, and a strategic shift to focus on loan tickets above INR 7 Lakhs to improve operational efficiency. The company targets self-employed customers in rural/semi-urban areas who are underserved by traditional banks.

Products & Services

Housing loans for purchase/construction, SME loans, and secured business loans (Loan Against Property).

Brand Portfolio

Aptus Value Housing Finance, Aptus Finance India Private Limited (AFIPL).

New Products/Services

Increased focus on the SME and Non-Housing segment via its subsidiary AFIPL, which offers higher yields to support overall profitability.

Market Expansion

Expansion into Odisha and Maharashtra is underway to reduce geographic concentration in South India.

Market Share & Ranking

Not explicitly ranked, but identified as a significant player in the affordable housing finance segment in South India.

Strategic Alliances

Not disclosed; the company operates primarily through its 100% owned subsidiary, AFIPL.

🌍 External Factors

Industry Trends

The affordable housing sector is growing due to government focus on 'Housing for All' and increasing urbanization. Aptus is positioned to benefit from the shift toward formalization of credit for self-employed individuals.

Competitive Landscape

Competes with banks and larger HFCs, but maintains an edge by serving customers with limited income documentation that larger institutions typically reject.

Competitive Moat

The moat is built on a conservative 50% Loan-to-Value (LTV) ratio (81% of portfolio is <50% LTV), providing a massive safety margin. This, combined with in-house collections and deep rural penetration, makes the business model highly resilient.

Macro Economic Sensitivity

Highly sensitive to the economic health of the informal, self-employed sector. GDP slowdowns directly impact the cash flows of their target low-to-middle income borrowers.

Consumer Behavior

Increasing preference for digital banking and faster loan processing, prompting Aptus to invest in digital customer interfaces.

Geopolitical Risks

Low, as operations are entirely domestic within India.

⚖️ Regulatory & Governance

Industry Regulations

Governed by RBI and NHB regulations. Compliance with SARFAESI Act is critical for their recovery process. The company maintains a robust Risk Management Framework (RMF) covering credit, liquidity, and IT risks.

Environmental Compliance

Not a high-impact factor for HFCs, though the company monitors climate transition risks for its borrowers' businesses.

Taxation Policy Impact

Effective tax rate is approximately 23-25% based on PBT of INR 975 Cr and PAT of INR 751 Cr in FY25.

Legal Contingencies

No pending material litigation or one-time settlements with banks were reported for FY25. The company has a clean Secretarial Audit report.

⚠️ Risk Analysis

Key Uncertainties

Asset quality remains the primary uncertainty; while currently healthy at 1.19% GNPA, the informal nature of borrower income makes the portfolio susceptible to economic shocks.