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Aptus Value Housing Finance India Ltd

Q2 FY26Finance

Aptus Value Housing Finance India Q2 FY26 earnings call: Revenue & Margins

Q2 FY26 earnings call: what management said on revenue, margins and capex.

Price₹258
Market cap₹13.2K Cr
P/E13.4
Updated23 Aug 2026
Read4 min read

The short version

Aptus Value Housing Finance aims for a medium-term AUM target of INR 25,000 crores, with a confidence of achieving this through 25%+ CAGR over the next 3 years, potentially reaching around INR 26,000 crores. Aptus Value Housing Finance India Limited is confident of achieving and potentially surpassing a 20% Return on Equity (ROE) target in the future.

From Aptus Value Housing Finance India Ltd's Q2 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Aptus Value Housing Finance aims for a medium-term AUM target of INR 25,000 crores, with a confidence of achieving this through 25%+ CAGR over the next 3 years, potentially reaching around INR 26,000 crores.
  • Disbursement growth was 24% Q-on-Q in Q2 FY'26, showing strong recovery despite challenges.
  • Growth drivers include adding 40 branches this year, with 20 added in Q2, and stabilization of the new ZIVA loan origination system improving process efficiency.
  • The company plans to increase average loan ticket size gradually, from INR 10 lakhs now to INR 11-12 lakhs over the next couple of years, reflecting inflation and improved customer profile.

2 more points from Aptus Value Housing Finance India Ltd's call on revenue

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Profitability & Margins

See what Aptus Value Housing Finance India Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

  • The company is strengthening its organization at all levels—field, cluster, and head office—to support growth towards an INR 25,000 crores AUM medium-term goal.
  • There is substantial ongoing investment in compliance-related functions including internal audit, risk management, and overall compliance.
  • Investments are made to mentally and operationally prepare the organization for scalable growth, including process improvements across legal, credit, sales, and collection functions.
  • The digital loan origination system "ZIVA" has been implemented and stabilized, indicating investment in technology and process efficiency.

2 more points from Aptus Value Housing Finance India Ltd's call on capex

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Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Akiko
Rev 1Mar 1
3
Rev 1Mar 2
4
Rev 1Mar 3
5
Rev 1Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Aptus Value Housing Finance India Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The discussion focuses mainly on loan book growth, disbursements, direct assignment transactions, yields, credit costs, branch expansion, and operational efficiency. There is no reference to orderbook or pending orders in their business context, which is a housing finance company rather than a manufacturing or project-based company typically reporting order books. Therefore, based on the transcript: - Focus is on loan portfolio, AUM growth, direct assignments (~3% of loan book done so far), and disbursements. - Emphasis on business growth via disbursements, ticket size management, and funding diversification. - Loan book expected to grow to around INR 26,000 crores in 3 years (25% CAGR). If you want insights on loan pipeline or pending approvals, that data is not shared here.

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What Aptus Value Housing Finance India Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Aptus Value Housing Finance India Ltd Q2 FY26 results?

Aptus Value Housing Finance aims for a medium-term AUM target of INR 25,000 crores, with a confidence of achieving this through 25%+ CAGR over the next 3 years, potentially reaching around INR 26,000 crores. Aptus Value Housing Finance India Limited is confident of achieving and potentially surpassing a 20% Return on Equity (ROE) target in the future.

What is Aptus Value Housing Finance India Ltd share price analysis?

Aptus Value Housing Finance India Ltd currently shows a neutral. The stock trades at a P/E of 13.4 with a market cap of ₹13,237 Cr. Investors should review the full earnings analysis for detailed insights.

Is Aptus Value Housing Finance India Ltd planning capital expenditure?

The company is strengthening its organization at all levels—field, cluster, and head office—to support growth towards an INR 25,000 crores AUM medium-term goal.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.