Any current/future new fundraising through debt or equity?

Aptus Value Housing Finance has been actively diversifying borrowings, including issuing NCDs worth Rs. 400 crores to mutual funds in the recent quarter. Current liquidity includes Rs. 1,239 crores on-balance sheet, with an undrawn sanction of Rs. 550 crores from banks, covering business needs until February/March. The company maintains a strategy of holding liquidity equivalent to 2-3 months of disbursements. Additional funds were drawn recently from ICICI Mutual Fund for Rs. 300 crores at favorable rates. The company plans to grow assets primarily through borrowings, expecting leverage to in

Any current/future capex/capital investment/strategic investment?

Aptus plans to add a total of 40 branches during the year, having already opened 29 branches in the first half, indicating ongoing investment in branch expansion. Investments are being made in IT, including new software systems. For instance, the Mobile First lead management software launched in April 2024 is driving improvements in process streamlining and regulatory compliance. Despite investments, the company maintains a frugal culture focusing on operational efficiency without compromising on employee salaries, which are among the best in the industry. The focus on expanding operations con

Future growth expectations in sales/revenue/volumes?

Aptus targets a 30% loan book growth, expected at least for the next 3 years. Disbursement guidance for FY '25 includes Rs. 3,700 to Rs. 4,000 crores total disbursement. The company plans to increase disbursements gradually, aiming around Rs. 2,400 crores in H2 FY '25. Branch expansion plan includes adding about 40 branches in the year, enhancing geographical penetration. Strong growth focus on housing loans and small business loans, especially in Tier 3 and 4 cities. Expanding operations in new states like Odisha and Maharashtra with encouraging performance. Growth to be supported entirely th

Future growth expectations in earnings/operating earnings/profits/EPS?

Management expects a 30% loan growth at least for the next 3 years, indicating strong business expansion. Profit after tax for Q2 FY25 grew by 22% YoY to Rs. 354 crores, reflecting robust earnings growth. ROA and ROE are strong at 7.77% and 18.3% respectively, showcasing high profitability. Cost control measures such as a low opex-to-asset ratio (2.65%) and stable interest spreads (~8.7%) support margin sustainability. Future profit growth will be funded by increasing leverage from current 1.5x to 4-5x, implying higher scale. Provision coverage stable at ~1.03% with conservative policies minim

Aptus Value Hou.Q2 FY25Finance

Aptus Value Hou. Q2 FY25 Earnings Call Analysis

Revenue, margin, capex, fundraise and order book outlook from management commentary.

Price: ₹226P/E: 12.4Market Cap: ₹12.3K CrSector: Finance

Management growth scorecard

Revenue

Category 2

Margin

Category 3

Fundraise

Yes

Order

Yes

Capex

Yes

3 of 5 growth signals are positive.

Full analysis

Revenue guidance

Category 2

Aptus targets a 30% loan book growth, expected at least for the next 3 years.
Disbursement guidance for FY '25 includes Rs. 3,700 to Rs. 4,000 crores total disbursement.
The company plans to increase disbursements gradually, aiming around Rs. 2,400 crores in H2 FY '25.
Branch expansion plan includes adding about 40 branches in the year, enhancing geographical penetration.
Strong growth focus on housing loans and small business loans, especially in Tier 3 and 4 cities.
Expanding operations in new states like Odisha and Maharashtra with encouraging performance.
Growth to be supported entirely through borrowings with leverage expected to increase from 1.5x to around 4-5x over the next 5-6 years.
Digital initiatives and new lead channels (customer referral, construction ecosystem) are helping improve lead flows and conversion.

Margin guidance

Category 3

Management expects a 30% loan growth at least for the next 3 years, indicating strong business expansion.
Profit after tax for Q2 FY25 grew by 22% YoY to Rs. 354 crores, reflecting robust earnings growth.
ROA and ROE are strong at 7.77% and 18.3% respectively, showcasing high profitability.
Cost control measures such as a low opex-to-asset ratio (2.65%) and stable interest spreads (~8.7%) support margin sustainability.
Future profit growth will be funded by increasing leverage from current 1.5x to 4-5x, implying higher scale.
Provision coverage stable at ~1.03% with conservative policies minimizes earnings volatility.
New digital tools improving productivity and collections enhance operational efficiency, likely supporting earnings growth.
Management targets Rs. 4,000 crores in disbursements for FY25, up from Rs. 3,700 crores guided earlier, indicating growth momentum.

See what Aptus Value Hou. management said on margin guidance — free account, 30 seconds.

Fundraise plans

Yes

Aptus Value Housing Finance has been actively diversifying borrowings, including issuing NCDs worth Rs. 400 crores to mutual funds in the recent quarter.
Current liquidity includes Rs. 1,239 crores on-balance sheet, with an undrawn sanction of Rs. 550 crores from banks, covering business needs until February/March.
The company maintains a strategy of holding liquidity equivalent to 2-3 months of disbursements.
Additional funds were drawn recently from ICICI Mutual Fund for Rs. 300 crores at favorable rates.
The company plans to grow assets primarily through borrowings, expecting leverage to increase from 1.5x to 4-5x for funding growth over the next 3-5 years.
No explicit mention of new equity fundraising in the discussed period.

Order book

Yes

The transcript from Aptus Value Housing Finance India Limited's Q2 FY25 earnings call does not explicitly mention any details regarding current or expected orderbook or pending orders. The focus of the call was primarily on loan disbursements, funding, asset quality, branch expansion, and growth strategies. No information related to orderbooks or pending orders, typically relevant for manufacturing or project-based companies, is provided in this context related to a housing finance company.

See what Aptus Value Hou. management said on order book — free account, 30 seconds.

Capex plans

Yes

Aptus plans to add a total of 40 branches during the year, having already opened 29 branches in the first half, indicating ongoing investment in branch expansion.
Investments are being made in IT, including new software systems. For instance, the Mobile First lead management software launched in April 2024 is driving improvements in process streamlining and regulatory compliance.
Despite investments, the company maintains a frugal culture focusing on operational efficiency without compromising on employee salaries, which are among the best in the industry.
The focus on expanding operations contiguously in states like Odisha and Maharashtra with experienced cluster managers suggests strategic geographic expansion.
No explicit mention of large capital expenditure or strategic investments beyond branch expansion and technology upgrades.

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