Aptus Value Housing Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Consistent growth in net interest income reflects strong lending demand and effective asset management.
Improved asset quality with a decreasing NPA ratio, indicating better risk management practices.
Increased return on equity, showcasing enhanced profitability and operational efficiency.

NEGATIVES

Rising operating expenses could pressure margins if not controlled effectively in future quarters.
Slowdown in loan disbursements may signal potential challenges in maintaining growth momentum.
Higher provisioning for bad debts suggests cautious outlook on asset quality amid economic uncertainties.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	305.63	333.58	351.42	374.54	394.94	421.39	450.04	484.04	520.26	544.04
Expenses	45.27	57.32	56.65	61.33	60.53	66.96	72.96	75.16	81.04	91.22
Operating Profit	260.36	276.26	294.77	313.22	334.40	354.43	377.09	408.88	439.22	452.82
Other Income	9.75	12.08	11.23	12.66	9.69	13.09	14.64	15.20	9.88	9.64
Interest	84.74	96.14	98.45	108.52	119.87	127.95	142.91	149.78	160.43	165.01
Depreciation	1.95	2.64	2.40	2.33	2.60	2.84	3.28	3.34	3.13	3.20
Profit Before Tax	183.42	189.56	205.14	215.03	221.62	236.73	245.53	270.96	285.55	294.26
Tax	41.17	41.54	47.55	50.99	49.87	54.76	55.03	63.94	66.30	67.71
Net Profit	142.26	148.02	157.59	164.03	171.75	181.97	190.50	207.03	219.25	226.55
Eps in Rs	2.86	2.97	3.16	3.29	3.44	3.65	3.82	4.15	4.39	4.54