Apollo Finvest (India) Ltd.

BSE: APOLLOFI · Non Banking Financial Company (NBFC)

52W Range₹299 ₹587

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Snapshot

Unlock Apollo Finvest (India) Ltd.'s vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Apollo Finvest is a technology-driven non-banking financial company that provides Lending-as-a-Service infrastructure. It enables fintech startups and non-financial businesses to launch credit products by leveraging its regulatory license and proprietary technology stack.

Business Model

The company operates as a backend infrastructure provider, offering loan management systems and automated compliance services to digital lenders. It generates value by acting as an enabler for the digital credit ecosystem rather than engaging in traditional retail lending.

Management Commentary

Management has successfully transitioned the firm from a traditional finance company into a modern fintech infrastructure provider. The focus remains on positioning the company as a key utility player within India's digital financial services market.

Growth Outlook

Growth is driven by the rapid expansion of India's digital credit ecosystem and the increasing demand for embedded finance solutions. The company aims to scale by providing the necessary backend infrastructure for emerging fintech players.

Key Risks

  • Regulatory Risk. Changes in RBI regulations concerning NBFCs and digital lending guidelines could significantly impact the company's operational model.
  • Technology Dependency. As a technology-driven platform, the company is vulnerable to system failures, cyber-attacks, or obsolescence of its proprietary tech stack.
  • Counterparty Risk. The company's reliance on fintech partners to originate loans exposes it to credit risks if those partners fail to maintain underwriting standards.
  • Market Competition. The entry of larger, well-capitalised fintech infrastructure providers could compress margins and threaten the company's market share.

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Key Metrics

REVENUE

₹21 Cr

TTM · standalone

-31.6%YoY

NET PROFIT

₹7 Cr

TTM · standalone

-3.6%YoY

EPS

₹18.64

TTM · standalone

-3.0%YoY

RETURN ON EQUITY

10.1%

TTM · standalone

-1.5 ppYoY

P/E

18.2x

Q4 FY26 · standalone

18.2 vs 15.6x5Y avg

NET PROFIT MARGIN

18.5%

Q4 FY26 · standalone

+5.5 ppYoY

DEBT TO EQUITY

0.4%

Q1 FY20 · standalone

-0.6 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Apollo Finvest (India) Ltd.APOLLOFI
₹137 Cr19.75-31.6%10.1%-27.1%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials