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Apollo Finvest (India) Q1 FY27 Share Price & Earnings Call Analysis

₹429.50-4.13% today
Market cap
₹160 Cr
P/E
20.07
ROE
6.16%
PEG
-0.82
Price to sales
6.70
Debt to equity
0.23
52W high / low
₹562 / ₹313
Sales growth (5Y)
6.41%
EBITDA margin
59.72%
Net profit margin
21.06%
Promoter holding
70.70%
Sales (last year)
₹24 Cr

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

Guidance scorecard · Q1 FY27 call

What Apollo Finvest (India) Ltd's management guided
and where it ranks in Finance

Revenue20–40%MarginsWhat management saidCapexWhat management saidFundraisingNone plannedOrder bookRising

RevenueQ4 FY26 call

20–40%
  • Apollo Cash aims to become 50-60% of the loan book within the next 12-24 months, increasing its retail exposure.
  • The retail loan book currently stands at 51% and is expected to rise further, with a reduction in term loan and warehousing structures.
  • Apollo Cash has shown rapid traction: loans disbursed grew from 30 lakhs in February to 3 crores in April, showing 300% month-on-month growth.
  • The company targets becoming top 1% in digital lending through superior underwriting and data science.

2 more points from Apollo Finvest (India) Ltd's call on revenue

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Full Q4 FY26 analysis

MarginsQ4 FY26 call

See what Apollo Finvest (India) Ltd said on margins — free account, 30 seconds.

Full Q4 FY26 analysis

CapexQ4 FY26 call

Ask what Apollo Finvest (India) Ltd said on capex →

Full Q4 FY26 analysis

FundraisingQ4 FY26 call

None planned

See what Apollo Finvest (India) Ltd said on fundraising — free account, 30 seconds.

Full Q4 FY26 analysis

Order bookQ4 FY26 call

Rising
  • Apollo Cash has disbursed over ₹5 crores since launch.
  • The product is live in approximately 19,000 PIN codes across India.
  • Achieved 1 lakh+ app downloads with 75,000+ loan applications and over 18,000 loans disbursed.
  • Traction is growing rapidly: lending grew from ₹30 lakhs in February to ₹1.2 crores in March, and ₹3 crores in April — a 300% month-on-month increase.
  • Apollo Cash is targeted to become 20-25% of the loan book in the next 8 months.

2 more points from Apollo Finvest (India) Ltd's call on the order book

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Full Q4 FY26 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Apollo Finvest (India) Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of Apollo Finvest (India) Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Apollo Finvest (India) Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +7.024.573.854.616.947.407.087.778.025.215.124.585.79
Interest0.000.000.000.200.000.170.460.630.890.830.700.530.43
Expenses +4.481.721.161.975.673.863.244.775.693.201.731.103.36
Financing Profit2.542.852.692.441.273.373.382.371.441.182.692.952.00
Financing Margin %36.18%62.36%69.87%52.93%18.30%45.54%47.74%30.50%17.96%22.65%52.54%64.41%34.54%
Other Income +0.460.930.070.050.060.020.030.020.111.990.040.110.35
Depreciation0.080.040.040.040.030.130.330.240.240.230.220.220.23
Profit before tax2.923.742.722.451.303.263.082.151.312.942.512.842.12
Tax %20.55%25.40%27.94%-2.45%40.77%27.91%21.75%33.95%20.61%21.43%30.68%35.56%49.06%
Net Profit +2.322.791.962.510.762.352.411.411.042.311.741.831.07
EPS in Rs6.227.485.256.732.046.306.463.782.796.194.664.902.87
Gross NPA %
Net NPA %

Financials of Apollo Finvest (India) Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +3.301.751.101.783.5628.2515.1770.1044.3819.9730.2620.70
Interest0.000.000.000.000.231.290.080.150.490.202.162.49
Expenses +0.990.911.260.711.6018.2210.0456.5830.8110.5217.459.40
Financing Profit2.310.84-0.161.071.738.745.0513.3713.089.2510.658.81
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%
Other Income +0.080.260.140.130.150.570.773.901.771.110.092.50
Depreciation0.070.070.070.090.140.150.220.230.310.160.950.90
Profit before tax2.321.03-0.091.111.749.165.6017.0414.5410.209.7910.41
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%
Net Profit +1.760.860.111.091.516.644.1012.7210.088.017.226.95
EPS in Rs4.702.300.292.924.0517.8010.9934.0927.0221.4719.3518.62
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%

Financials of Apollo Finvest (India) Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital3.743.743.733.733.733.733.733.733.733.733.733.73
Reserves10.8211.6811.8012.8814.7321.3125.4038.1648.2756.3863.6070.56
Borrowing0.000.000.000.0010.5435.1124.1846.2311.256.3330.1817.32
Other Liabilities +1.910.240.130.360.595.736.5919.5310.316.519.7313.13
Total Liabilities16.4715.6615.6616.9729.5965.8859.90107.6573.5672.95107.24104.74
Fixed Assets +1.121.051.171.097.257.384.704.834.593.275.413.61
CWIP0.000.200.000.000.000.000.000.000.000.000.000.00
Investments5.564.766.264.192.7225.6127.7230.9848.7011.528.7529.31
Other Assets +9.799.658.2311.6919.6232.8927.4871.8420.2758.1693.0871.82
Total Assets16.4715.6615.6616.9729.5965.8859.90107.6573.5672.95107.24104.74

Financials of Apollo Finvest (India) Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +0.030.440.52-1.74-2.4126.126.25-11.5324.18-35.87-25.4127.58
Cash from Investing Activity +0.13-0.49-0.583.99-4.21-23.470.220.59-16.2041.651.91-16.55
Cash from Financing Activity +0.000.000.000.005.21-2.08-4.099.94-10.43-0.2024.94-15.00
Net Cash Flow0.17-0.05-0.062.25-1.410.572.38-1.00-2.455.591.44-3.97
Free Cash Flow-2.200.250.52-1.74-8.7225.926.14-11.8724.11-34.13-26.9229.95
CFO/OP-15%119%-406%-162%-108%276%143%-65%213%-352%-180%257%

Financials of Apollo Finvest (India) Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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%

Guidance history

How Apollo Finvest (India) Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q4 FY26 call →20–40%——None plannedRising
Q3 FY26 call →10–20%Up 2%+PlannedPlanned—
Q1 FY26 call →20–40%Flat———
Q4 FY25 call →10–20%FlatPlanned—Rising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

Continue your research

What Apollo Finvest (India) Ltd's management said in earlier quarters

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