Apollo Finvest (India) Ltd

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

Apollo Finvest (India) Ltd

₹ 595 -1.77%
25 Apr 4:01 p.m.
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 ₹ 222 Cr.
  • Current Price ₹ 595
  • High / Low ₹ 1,064 / 466
  • Stock P/E 32.0
  • Book Value ₹ 174
  • Dividend Yield 0.00 %
  • ROCE 16.0 %
  • ROE 14.3 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 39.8% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company might be capitalizing the interest cost

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
27.23 17.98 15.30 13.20 8.86 7.02 4.57 3.85 4.61 6.94 7.40 7.08 7.77
23.58 13.12 12.48 8.53 5.38 4.48 1.72 1.16 1.97 5.67 3.86 3.24 4.77
Operating Profit 3.65 4.86 2.82 4.67 3.48 2.54 2.85 2.69 2.64 1.27 3.54 3.84 3.00
OPM % 13.40% 27.03% 18.43% 35.38% 39.28% 36.18% 62.36% 69.87% 57.27% 18.30% 47.84% 54.24% 38.61%
0.15 3.54 0.46 0.41 0.44 0.46 0.93 0.07 0.05 0.06 0.02 0.03 0.02
Interest 0.05 0.01 0.25 0.18 0.00 0.00 0.00 0.00 0.20 0.00 0.17 0.46 0.63
Depreciation 0.05 0.07 0.07 0.08 0.08 0.08 0.04 0.04 0.04 0.03 0.13 0.33 0.24
Profit before tax 3.70 8.32 2.96 4.82 3.84 2.92 3.74 2.72 2.45 1.30 3.26 3.08 2.15
Tax % 27.84% 24.28% 29.05% 34.02% 35.42% 20.55% 25.40% 27.94% -2.45% 40.77% 27.91% 21.75% 33.95%
2.67 6.30 2.10 3.18 2.48 2.32 2.79 1.96 2.51 0.76 2.35 2.41 1.41
EPS in Rs 7.16 16.88 5.63 8.52 6.65 6.22 7.48 5.25 6.73 2.04 6.30 6.46 3.78
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
1.15 1.67 3.30 1.75 1.10 1.78 3.56 28.25 15.17 70.10 44.38 19.97 29.19
0.81 0.75 0.99 0.91 1.26 0.71 1.60 18.22 10.04 56.58 30.81 10.51 17.54
Operating Profit 0.34 0.92 2.31 0.84 -0.16 1.07 1.96 10.03 5.13 13.52 13.57 9.46 11.65
OPM % 29.57% 55.09% 70.00% 48.00% -14.55% 60.11% 55.06% 35.50% 33.82% 19.29% 30.58% 47.37% 39.91%
0.04 0.06 0.08 0.26 0.14 0.13 0.15 0.57 0.77 3.90 1.77 1.11 0.13
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.23 1.29 0.08 0.15 0.49 0.21 1.26
Depreciation 0.02 0.02 0.07 0.07 0.07 0.09 0.14 0.15 0.22 0.23 0.31 0.16 0.73
Profit before tax 0.36 0.96 2.32 1.03 -0.09 1.11 1.74 9.16 5.60 17.04 14.54 10.20 9.79
Tax % 13.89% 17.71% 24.57% 16.50% -233.33% 2.70% 13.22% 27.40% 26.79% 25.29% 30.67% 21.47%
0.30 0.79 1.76 0.86 0.11 1.09 1.51 6.64 4.10 12.72 10.08 8.01 6.93
EPS in Rs 0.80 2.11 4.70 2.30 0.29 2.92 4.05 17.80 10.99 34.09 27.02 21.47 18.58
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: 41%
3 Years: 10%
TTM: 46%
Compounded Profit Growth
10 Years: 26%
5 Years: 40%
3 Years: 25%
TTM: -28%
Stock Price CAGR
10 Years: 51%
5 Years: 28%
3 Years: -7%
1 Year: -41%
Return on Equity
10 Years: 18%
5 Years: 22%
3 Years: 22%
Last Year: 14%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 3.74 3.74 3.74 3.74 3.73 3.73 3.73 3.73 3.73 3.73 3.73 3.73 3.73
Reserves 8.26 9.05 10.82 11.68 11.80 12.88 14.73 21.31 25.40 38.16 48.27 56.38 61.20
0.00 0.00 0.00 0.00 0.00 0.00 10.54 35.11 24.18 46.23 11.25 6.33 19.24
1.83 1.93 1.91 0.24 0.13 0.36 0.59 5.73 6.59 19.53 10.31 6.52 10.08
Total Liabilities 13.83 14.72 16.47 15.66 15.66 16.97 29.59 65.88 59.90 107.65 73.56 72.96 94.25
0.15 0.14 1.12 1.05 1.17 1.09 7.25 7.38 4.70 4.83 4.59 3.27 5.87
CWIP 0.00 0.00 0.00 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 6.34 6.11 5.56 4.76 6.26 4.19 2.72 25.61 27.72 30.98 48.70 11.52 0.26
7.34 8.47 9.79 9.65 8.23 11.69 19.62 32.89 27.48 71.84 20.27 58.17 88.12
Total Assets 13.83 14.72 16.47 15.66 15.66 16.97 29.59 65.88 59.90 107.65 73.56 72.96 94.25

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1.13 -0.13 0.03 0.44 0.52 -1.74 -2.41 26.12 6.25 -11.53 24.18 -35.87
1.13 0.15 0.13 -0.49 -0.58 3.99 -4.21 -23.47 0.22 0.59 -16.20 41.65
0.00 0.00 0.00 0.00 0.00 0.00 5.21 -2.08 -4.09 9.94 -10.43 -0.20
Net Cash Flow 0.00 0.02 0.17 -0.05 -0.06 2.25 -1.41 0.57 2.38 -1.00 -2.45 5.59

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 95.22 76.50 134.94 177.29 282.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 95.22 76.50 134.94 177.29 282.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days -15.87 -34.97 -49.77 214.83 305.27 403.96 46.14 -52.46 -124.63 -84.14 -62.51 -20.84
ROCE % 3.04% 7.75% 16.89% 5.94% -0.90% 6.66% 8.55% 23.44% 10.01% 24.31% 19.86% 16.05%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
70.73% 70.73% 70.73% 70.73% 70.73% 70.73% 70.73% 70.73% 70.71% 70.71% 70.71% 70.71%
0.38% 0.38% 0.38% 0.38% 0.38% 0.38% 0.38% 0.38% 0.32% 0.23% 0.23% 0.23%
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% 28.85% 28.85% 28.86% 28.85% 28.86% 28.92% 29.03% 29.03% 29.03%
No. of Shareholders 5,9146,0676,1946,1006,1276,0425,6275,4885,4265,4195,4465,484

* 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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