Apollo Finvest (India) Ltd

₹ 450 7.50%

10 Sep 12:10 p.m.

About

Incorporated in 1985, Apollo Finvest (India) Ltd is in the business of Financial Services and management of investment property^[1]

Key Points

Business Overview:^[1]^[2]^[3]
AFL is an Non Systematically Important Non Deposit Taking Non Banking Financial Company which provides Full stack technology based, neutral B2B2C platform to Financial Technology companies, to offer digital loans. Company has built a technology stack that can process any loan of any size digitally, thereby bringing the cost of processing each loan to nearly zero. Till date, company has worked with 50+ fintechs and has disbursed over 17 lakh loans

Website BSE

Market Cap ₹ 168 Cr.
Current Price ₹ 450
High / Low ₹ 546 / 299
Stock P/E 21.0
Book Value ₹ 199
Dividend Yield 0.00 %
ROCE 11.6 %
ROE 6.16 %
Face Value ₹ 10.0

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Pros

Company has reduced debt.

Cons

Though the company is reporting repeated profits, it is not paying out dividend
The company has delivered a poor sales growth of 6.41% over past five years.
Company has a low return on equity of 10.3% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	4.57	3.85	4.61	6.94	7.40	7.08	7.77	8.02	5.21	5.12	4.58	5.79	8.47
Interest	0.00	0.00	0.20	0.00	0.17	0.46	0.63	0.89	0.83	0.70	0.53	0.43	0.40
	1.72	1.16	1.97	5.67	3.86	3.24	4.77	5.69	3.20	1.73	1.10	3.36	3.46
Financing Profit	2.85	2.69	2.44	1.27	3.37	3.38	2.37	1.44	1.18	2.69	2.95	2.00	4.61
Financing Margin %	62.36%	69.87%	52.93%	18.30%	45.54%	47.74%	30.50%	17.96%	22.65%	52.54%	64.41%	34.54%	54.43%
	0.93	0.07	0.05	0.06	0.02	0.03	0.02	0.11	1.99	0.04	0.11	0.35	0.22
Depreciation	0.04	0.04	0.04	0.03	0.13	0.33	0.24	0.24	0.23	0.22	0.22	0.23	0.21
Profit before tax	3.74	2.72	2.45	1.30	3.26	3.08	2.15	1.31	2.94	2.51	2.84	2.12	4.62
Tax %	25.40%	27.94%	-2.45%	40.77%	27.91%	21.75%	33.95%	20.61%	21.43%	30.68%	35.56%	49.06%	27.27%
	2.79	1.96	2.51	0.76	2.35	2.41	1.41	1.04	2.31	1.74	1.83	1.07	3.35
EPS in Rs	7.48	5.25	6.73	2.04	6.30	6.46	3.78	2.79	6.19	4.66	4.90	2.87	8.97
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	3.30	1.75	1.10	1.78	3.56	28.25	15.17	70.10	44.38	19.97	30.26	20.70	23.96
Interest	0.00	0.00	0.00	0.00	0.23	1.29	0.08	0.15	0.49	0.20	2.16	2.49	2.06
	0.99	0.91	1.26	0.71	1.60	18.22	10.04	56.58	30.81	10.52	17.45	9.40	9.65
Financing Profit	2.31	0.84	-0.16	1.07	1.73	8.74	5.05	13.37	13.08	9.25	10.65	8.81	12.25
Financing Margin %	70.00%	48.00%	-14.55%	60.11%	48.60%	30.94%	33.29%	19.07%	29.47%	46.32%	35.19%	42.56%	51.13%
	0.08	0.26	0.14	0.13	0.15	0.57	0.77	3.90	1.77	1.11	0.09	2.50	0.72
Depreciation	0.07	0.07	0.07	0.09	0.14	0.15	0.22	0.23	0.31	0.16	0.95	0.90	0.88
Profit before tax	2.32	1.03	-0.09	1.11	1.74	9.16	5.60	17.04	14.54	10.20	9.79	10.41	12.09
Tax %	24.57%	16.50%	-233.33%	2.70%	13.22%	27.40%	26.79%	25.29%	30.67%	21.47%	26.35%	33.24%
	1.76	0.86	0.11	1.09	1.51	6.64	4.10	12.72	10.08	8.01	7.22	6.95	7.99
EPS in Rs	4.70	2.30	0.29	2.92	4.05	17.80	10.99	34.09	27.02	21.47	19.35	18.62	21.40
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	28%
5 Years:	6%
3 Years:	-22%
TTM:	-15%

Compounded Profit Growth
10 Years:	19%
5 Years:	1%
3 Years:	-24%
TTM:	11%

Stock Price CAGR
10 Years:	40%
5 Years:	-6%
3 Years:	-6%
1 Year:	-18%

Return on Equity
10 Years:	15%
5 Years:	16%
3 Years:	10%
Last Year:	6%

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	3.74	3.74	3.73	3.73	3.73	3.73	3.73	3.73	3.73	3.73	3.73	3.73
Reserves	10.82	11.68	11.80	12.88	14.73	21.31	25.40	38.16	48.27	56.38	63.60	70.56
Borrowing	0.00	0.00	0.00	0.00	10.54	35.11	24.18	46.23	11.25	6.33	30.18	17.32
	1.91	0.24	0.13	0.36	0.59	5.73	6.59	19.53	10.31	6.51	9.73	13.13
Total Liabilities	16.47	15.66	15.66	16.97	29.59	65.88	59.90	107.65	73.56	72.95	107.24	104.74
	1.12	1.05	1.17	1.09	7.25	7.38	4.70	4.83	4.59	3.27	5.41	3.61
CWIP	0.00	0.20	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	5.56	4.76	6.26	4.19	2.72	25.61	27.72	30.98	48.70	11.52	8.75	29.31
	9.79	9.65	8.23	11.69	19.62	32.89	27.48	71.84	20.27	58.16	93.08	71.82
Total Assets	16.47	15.66	15.66	16.97	29.59	65.88	59.90	107.65	73.56	72.95	107.24	104.74

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	0.03	0.44	0.52	-1.74	-2.41	26.12	6.25	-11.53	24.18	-35.87	-25.41	27.58
	0.13	-0.49	-0.58	3.99	-4.21	-23.47	0.22	0.59	-16.20	41.65	1.91	-16.55
	0.00	0.00	0.00	0.00	5.21	-2.08	-4.09	9.94	-10.43	-0.20	24.94	-15.00
Net Cash Flow	0.17	-0.05	-0.06	2.25	-1.41	0.57	2.38	-1.00	-2.45	5.59	1.44	-3.97
Free Cash Flow	-2.20	0.25	0.52	-1.74	-8.72	25.92	6.14	-11.87	24.11	-34.13	-26.92	29.95
CFO/OP	-15%	119%	-406%	-162%	-108%	276%	143%	-65%	213%	-352%	-180%	257%

Ratios

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	12.80%	4.94%	0.39%	6.60%	8.55%	30.53%	15.14%	35.82%	21.47%	14.29%	11.44%	6.16%

Insights

In beta

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Assets Under Management (AUM / Loan Book)
INR Crore

xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
	xx	xx	xx	xx	xx	xx
	x.xx				x.xx	x.xx
					xx	xx
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Gross Non-Performing Assets (GNPA)
% of Gross Loans

Number of Employees
Count

30 PAR (Portfolio at Risk 30+ days)
% of Gross Loans

AUM Mix - Term Loans (Wholesale) %
% of AUM

Collection Efficiency
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	70.73%	70.73%	70.73%	70.71%	70.71%	70.71%	70.71%	70.71%	70.71%	70.70%	70.70%	70.70%
	0.38%	0.38%	0.38%	0.32%	0.23%	0.23%	0.23%	0.23%	0.31%	0.31%	0.30%	0.30%
	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%
	28.86%	28.85%	28.86%	28.92%	29.03%	29.03%	29.03%	29.02%	28.95%	28.96%	28.98%	28.97%
No. of Shareholders	6,042	5,627	5,488	5,426	5,419	5,446	5,484	5,493	5,495	5,498	5,391	5,390

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	71.59%	71.59%	71.59%	71.59%	71.59%	70.73%	70.73%	70.73%	70.71%	70.70%	70.70%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.38%	0.38%	0.38%	0.23%	0.30%	0.30%
	0.03%	0.03%	0.03%	0.03%	0.03%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%
	28.37%	28.37%	28.37%	28.37%	28.37%	28.86%	28.85%	28.86%	29.03%	28.98%	28.97%
No. of Shareholders	5,053	4,947	4,837	4,787	5,394	5,729	6,100	5,488	5,484	5,391	5,390

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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