Apollo Finvest (India) Ltd

₹ 700 -2.54%

15 Jan 10:54 a.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 ₹ 261 Cr.
Current Price ₹ 700
High / Low ₹ 1,131 / 665
Stock P/E 32.5
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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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
	17.07	27.23	17.98	15.30	13.20	8.86	7.02	4.57	3.85	4.61	6.94	7.40	7.08
	13.83	23.58	13.12	12.48	8.53	5.38	4.48	1.72	1.16	1.97	5.67	3.86	3.24
Operating Profit	3.24	3.65	4.86	2.82	4.67	3.48	2.54	2.85	2.69	2.64	1.27	3.54	3.84
OPM %	18.98%	13.40%	27.03%	18.43%	35.38%	39.28%	36.18%	62.36%	69.87%	57.27%	18.30%	47.84%	54.24%
	0.17	0.15	3.54	0.46	0.41	0.44	0.46	0.93	0.07	0.05	0.06	0.02	0.03
Interest	-0.05	0.05	0.01	0.25	0.18	-0.00	-0.00	-0.00	-0.00	0.20	-0.00	0.17	0.46
Depreciation	0.05	0.05	0.07	0.07	0.08	0.08	0.08	0.04	0.04	0.04	0.03	0.13	0.33
Profit before tax	3.41	3.70	8.32	2.96	4.82	3.84	2.92	3.74	2.72	2.45	1.30	3.26	3.08
Tax %	24.05%	27.84%	24.28%	29.05%	34.02%	35.42%	20.55%	25.40%	27.94%	-2.45%	40.77%	27.91%	21.75%
	2.59	2.67	6.30	2.10	3.18	2.48	2.32	2.79	1.96	2.51	0.76	2.35	2.41
EPS in Rs	6.94	7.16	16.88	5.63	8.52	6.65	6.22	7.48	5.25	6.73	2.04	6.30	6.46
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	26.03
	0.81	0.75	0.99	0.91	1.26	0.71	1.60	18.22	10.04	56.58	30.81	10.51	14.74
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	11.29
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%	43.37%
	0.04	0.06	0.08	0.26	0.14	0.13	0.15	0.57	0.77	3.90	1.77	1.11	0.16
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	0.83
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	0.53
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	10.09
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	8.03
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	21.53
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:	7%

Compounded Profit Growth
10 Years:	26%
5 Years:	40%
3 Years:	25%
TTM:	-16%

Stock Price CAGR
10 Years:	51%
5 Years:	30%
3 Years:	-7%
1 Year:	-36%

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

	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
	70.73%	70.73%	70.73%	70.73%	70.73%	70.73%	70.73%	70.73%	70.73%	70.73%	70.71%	70.71%
	0.37%	0.38%	0.38%	0.38%	0.38%	0.38%	0.38%	0.38%	0.38%	0.38%	0.32%	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%
	28.87%	28.86%	28.86%	28.85%	28.86%	28.85%	28.85%	28.86%	28.85%	28.86%	28.92%	29.03%
No. of Shareholders	5,697	5,729	5,914	6,067	6,194	6,100	6,127	6,042	5,627	5,488	5,426	5,419

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
	71.59%	71.59%	71.59%	71.59%	71.59%	70.73%	70.73%	70.73%	70.71%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.38%	0.38%	0.38%	0.23%
	0.03%	0.03%	0.03%	0.03%	0.03%	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%
No. of Shareholders	5,053	4,947	4,837	4,787	5,394	5,729	6,100	5,488	5,419

* 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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Nov 2024
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Jun 2024
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Feb 2024
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Nov 2023
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Aug 2023

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May 2023
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May 2022

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