Aptus Value Housing Finance India Ltd's Q4FY25 Quarterly Results

Result Summary

• Aptus Value Housing Finance India Ltd reported a 15.8% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 26.8%.
• Its expenses for the quarter were down by 19.2% QoQ and up 34.2% YoY.
• The net profit decreased 13.9% QoQ and increased 21.2% YoY.
• The earnings per share (EPS) of Aptus Value Housing Finance India Ltd stood at 3.3 during Q4FY25.

Financial Statments for Q4FY25

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Aptus Value Housing Finance India Ltd is a leading player in the housing finance sector, focusing primarily on providing home loans to middle and low-income customers in both urban and rural areas. The company offers a range of financial products including home loans, loans against property, and business loans. Aptus Value Housing Finance India Ltd operates predominantly in South India, with a strong presence in Tamil Nadu, Karnataka, Telangana, and Andhra Pradesh. It is known for its robust credit assessment processes and customer-centric approach. As of the latest available data, there are no recent major developments reported for the company.

Revenue

In Q4FY25, Aptus Value Housing Finance India Ltd reported a total income of ₹391.16 crores. This represents a decline of 15.8% from the previous quarter (Q3FY25) where the total income was ₹464.68 crores. However, on a year-over-year basis, the total income increased by 26.8% compared to Q4FY24, which had a total income of ₹308.38 crores. This YoY increase reflects a strong upward trend in revenue generation over the past year, despite the quarterly decline. The fluctuation in the revenue figures between quarters and across the year highlights variability in the company's income streams.

Profitability

The company achieved a Profit Before Tax (PBT) of ₹215.03 crores in Q4FY25, which is a decrease of 12.4% compared to the previous quarter (Q3FY25), where the PBT was ₹245.53 crores. On a year-over-year basis, the PBT increased by 21.9% compared to Q4FY24, where the PBT was ₹176.38 crores. The Profit After Tax (PAT) for Q4FY25 stood at ₹164.03 crores, reflecting a decline of 13.9% from Q3FY25, which recorded a PAT of ₹190.50 crores. However, this is a 21.2% increase from Q4FY24, where the PAT was ₹135.30 crores. The company's earnings per share (EPS) in Q4FY25 was ₹3.30, down from ₹3.80 in Q3FY25, but up from ₹2.70 in Q4FY24. These figures demonstrate the company's capacity to maintain profitability on a yearly basis, notwithstanding quarterly fluctuations.

Operating Metrics

The total expenses for Aptus Value Housing Finance India Ltd in Q4FY25 were ₹166.72 crores, which is a reduction of 19.2% from the previous quarter's expenses of ₹206.23 crores. On a year-over-year basis, total expenses increased by 34.2% compared to Q4FY24, where expenses were ₹124.25 crores. The tax expense in Q4FY25 was ₹51.00 crores, showing a decrease of 7.3% from Q3FY25, which had a tax expense of ₹55.03 crores, and an increase of 24.1% from Q4FY24, where the tax was ₹41.08 crores. These metrics provide insight into the company's cost management and tax obligations over the reported periods.