Aptus Value Housing Finance Q4 FY26 Results: PAT Rs 261 Crore Up 26% YoY, AUM Grows 21% to Rs 13,107 Crore
- May 8, 2026
- Posted by: Neeraj Pandey
- Category: News
The Aptus Value Housing Finance Q4 results for the quarter ended March 31, 2026, were announced on May 6, 2026, with the company reporting a quarterly net profit of Rs 260.95 crore against Rs 206.7 crore (approx, derived from 26% growth) in the corresponding quarter last year. Revenue from operations for Q4 FY26 stood at Rs 593.12 crore, compared to Rs 499.24 crore in Q4 FY25. For the full year FY26, Aptus Value Housing Finance India reported PAT of Rs 942.94 crore on revenue of Rs 2,245.48 crore. Ankit Jaiswal, Senior Research Analyst at Univest, and Kunal Singla, Associate Director at Univest, have analysed the Aptus Value Housing Finance Q4 results in detail to assess the key takeaways for investors.
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Aptus Value Housing Finance India Q4 FY26 Key Financial Metrics
| Parameter | Q4 FY26 | Comparison Period | Change |
|---|---|---|---|
| Net Profit (PAT) | Rs 260.95 crore | Rs 206.7 crore (approx, derived from 26% growth) | See analysis below |
| Revenue / Total Income | Rs 593.12 crore | Rs 499.24 crore | See analysis below |
| FY26 Annual PAT | Rs 942.94 crore | FY25 base | YoY improvement |
| FY26 Annual Revenue | Rs 2,245.48 crore | FY25 base | See analysis |
| Dividend | Rs 2.50 per share (2nd interim); record date May 15, 2026 | N/A | N/A |
| NSE Ticker | APTUS | Sector | Affordable Housing Finance |
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Aptus Value Housing Finance Q4 Results Analysis
Record Quarterly Disbursements Signal Full Recovery in Growth Momentum
The Aptus Value Housing Finance Q4 results were anchored by record quarterly disbursements of Rs 1,242 crore, up 21 percent QoQ and 17 percent YoY. This confirms that the moderation in disbursements in Q1 and Q2 FY26, driven by the company’s deliberate decision to discontinue sanctions below Rs 7 lakh to onboard higher-quality customers, has fully reversed. Management noted that the strong Q4 disbursal momentum continued into April 2026, providing a positive early signal for Q1 FY27. AUM grew 21 percent to Rs 13,107 crore. Total income for FY26 grew 25 percent YoY to Rs 2,245.48 crore. Jaiswal views the record disbursement as the most operationally significant number from the The quarterly results for investors assessing FY27 AUM growth trajectory.
Best-in-Class Return Ratios Sustained
Aptus delivered Q4 FY26 RoA of 8.2 percent and RoE of 21.2 percent, and for the full year FY26 RoA was 7.9 percent and RoE was 20.1 percent, among the highest in India’s housing finance sector. Spreads improved to 8.9 percent in FY26, driven by a decline in cost of funds to 8.3 percent. Operating margin was 51.91 percent and net profit margin 44.30 percent for FY26. Debt-equity ratio remained conservative at 1.21 times. Net worth stood at Rs 4,274.11 crore. Track housing finance peers on the Univest Screener.
GNPA Uptick to 1.52 Percent Warrants Monitoring
GNPA rose to 1.52 percent in FY26 from 1.19 percent in FY25. Management attributed this partly to the portfolio transition period while onboarding higher-quality customers with larger ticket sizes. Credit cost for FY26 was maintained at 50 basis points within guided range. Singla notes that the GNPA uptick in the The Q4 FY26 numbers context is modest in absolute terms but must be watched in Q1 and Q2 FY27 to ensure it does not trend higher. The company expanded to 339 branches across 7 states and union territories including newer markets of Maharashtra and Odisha.
Risks to the Aptus Investment Thesis
- GNPA Uptick from 1.19 to 1.52 Percent: Requires continued monitoring to ensure asset quality stabilises as the higher-quality customer onboarding strategy matures in FY27.
- Geographic Concentration: Andhra Pradesh remains the largest state contributor to AUM. Any state-specific economic stress could disproportionately affect portfolio quality.
- Interest Rate Risk: If the RBI pauses its rate cut cycle, cost of funds could rise, compressing spreads from the current favourable 8.9 percent level.
- Competition in Affordable Housing: Larger HFCs and banks expanding into affordable housing may pressure both volumes and yields over the medium term.
Conclusion
The APTUS quarterly results for FY26 confirm the company as one of the most consistent compounders in India’s affordable housing finance sector. Consolidated PAT of Rs 260.95 crore in Q4 (up 26 percent YoY) and Rs 942.94 crore for the full year, with 21 percent AUM growth to Rs 13,107 crore, record Q4 disbursements of Rs 1,242 crore, and RoA of 7.9 percent are standout metrics. Ankit Jaiswal, Senior Research Analyst at Univest, views the The quarterly results as validation of the company’s disciplined underwriting and contiguous expansion strategy. Kunal Singla, Associate Director at Univest, flags the GNPA uptick to 1.52 percent as the key metric to watch in FY27 alongside AUM growth delivery against the 22 to 24 percent guidance. The most important variable going forward is whether the record Q4 disbursal momentum is sustained in FY27 while keeping asset quality in check.
DISCLAIMER: This article is for educational and informational purposes only and does not constitute investment advice. Univest analysts are SEBI-registered research analysts (SEBI RA: INH000012449). Investments in the securities market are subject to market risk. Consult a SEBI-registered financial advisor before making any investment decisions.
Frequently Asked Questions on Aptus Value Housing Finance India Q4 FY26 Results
What was the PAT in The Q4 FY26 numbers FY26?
The APTUS quarterly results for Q4 FY26 showed a net profit of Rs 260.95 crore, compared to Rs 206.7 crore (approx, derived from 26% growth) in the corresponding period of the previous year. Revenue for Q4 FY26 was Rs 593.12 crore. For the full year FY26, PAT stood at Rs 942.94 crore on revenue of Rs 2,245.48 crore. These results were approved at the board meeting held on May 6, 2026.
What dividend was declared after The quarterly results FY26?
The board declared or recommended a dividend of Rs 2.50 per share (2nd interim); record date May 15, 2026 following the The Q4 FY26 numbers announcement. The dividend is subject to shareholder approval unless declared as an interim dividend and reflects the company’s cash generation capacity in FY26. Investors should verify the record date and payment timeline through the company’s official stock exchange filings on NSE or BSE.
What are the key highlights of APTUS quarterly results FY26?
The key highlights from the The quarterly results include: AUM Rs 13,107 crore up 21% YoY; record Q4 disbursements Rs 1,242 crore; RoA 7.9% / RoE 20.1% FY26; GNPA 1.52% vs 1.19% FY25; NCD issuance up to Rs 3,000 crore approved; 339 branches across 7 states. These metrics were confirmed through official filings on NSE and BSE and verified from sources including EquityBulls, Business Standard, and ScanX on May 6 and 7, 2026.
What are the key risks after The Q4 FY26 numbers FY26?
Investors reviewing the APTUS quarterly results should monitor the risks specific to Aptus Value Housing Finance India’s business model in the Affordable Housing Finance sector. These include macroeconomic sensitivity, sector-specific cyclicality, competitive pressures, and any company-specific operational risks outlined in the analysis above. Always consult a SEBI-registered financial advisor before making any investment decision based on quarterly results.
Where can I track Aptus Value Housing Finance India live stock price and analyst data after Q4 results?
Track Aptus Value Housing Finance India (NSE: APTUS) live price, FII and DII flows, analyst estimates, and peer comparisons on the Univest Screener. For deeper research reports and investment recommendations following the The quarterly results, subscribe to Univest Pro at univest.in. Download the Univest Android App or Univest iOS App for live alerts on this stock.
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