Apollo Finvest (India) Ltd

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Apollo Finvest Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Apollo Finvest (India) Ltd

₹ 366 -2.60%
21 Aug - close price
apollofinvest.com BSE: 512437
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 ₹ 137 Cr.
  • Current Price ₹ 366
  • High / Low ₹ 587 / 299
  • Stock P/E 17.1
  • Book Value ₹ 199
  • Dividend Yield 0.00 %
  • ROCE 11.6 %
  • ROE 8.09 %
  • 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 11.0% 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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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: 23%
5 Years: 7%
3 Years: -17%
TTM: 11%
Stock Price CAGR
10 Years: 38%
5 Years: -1%
3 Years: -9%
1 Year: -30%
Return on Equity
10 Years: 15%
5 Years: 16%
3 Years: 11%
Last Year: 8%

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% 8.09%

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

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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 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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 6,0425,6275,4885,4265,4195,4465,4845,4935,4955,4985,3915,390

* 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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Documents

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