APTUSVALUEHOUSINGFINANCE / guidance tracker

Keep management guidance in view.

Aptus Value Housing · forward-looking guidance across the available source record.

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Guidance tracker

What management said would happen.

AUM growth of 22-24% in FY27

Management expects sustainable AUM growth driven by new branches, higher ticket sizes, and connector channel.

growth

ROE above 20% sustainable

Management confident of maintaining ROE above 20% despite slight yield compression, supported by productivity gains.

margins

Credit cost guidance of 0.5% ±0.1%

Credit cost expected to remain in the range of 40-60 bps, consistent with FY26.

margins

Opex to AUM ratio of 2.6-2.8%

Operating expenses as a percentage of AUM to be maintained within this range, with investments in technology.

margins