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INVESTMENT INSIGHTS

Check Before You Invest : Apollo Finvest (India) Ltd

BSE: 512437 NSE: ISIN: INE412D01013
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Apollo Finvest (India) Ltd belong to?
Apollo Finvest (India) Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is Apollo Finvest (India) Ltd a good quality company?
Apollo Finvest (India) Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Apollo Finvest (India) Ltd undervalued or overvalued?
Apollo Finvest (India) Ltd appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios Current 5-year
Historic Median
Price to Earnings 17.64 27.70
Price to Book 1.65 4.60
Price to Sales 5.94 6.26
EV to EBITDA 10.07 17.13
Q.4 Is Apollo Finvest (India) Ltd a good buy now?
Apollo Finvest (India) Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Apollo Finvest (India) Ltd?
Apollo Finvest (India) Ltd Operating Income growth is 51.56% for FY-2025, which is above its 5-year CAGR of 1.39%, indicating faster growth.

Q.2 Return on Assets of Apollo Finvest (India) Ltd?
Apollo Finvest (India) Ltd Return on Asset is 7.8%, which is below its 5-year historical median of 10.5%, indicating deteriorated earnings on assets.
Current Level 5-year
Historic Median
NPM (%) 23.84 23.84
PPOP (%) -12.5 -12.5
RoA (%) 7.8 10.5

Q.3 Return on Equity (ROE) of Apollo Finvest (India) Ltd?
Apollo Finvest (India) Ltd Return on Equity is 11.3% for FY-2025, which is below its 5-year historical median of 15.1%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Apollo Finvest (India) Ltd?
Apollo Finvest (India) Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -12.5% for FY-2025, which is in line with its 5-year median(-12.5%), indicating stable margins.

Q.5 Net Profit Margin of Apollo Finvest (India) Ltd?
Apollo Finvest (India) Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 23.84% for FY-2025, which is in line with its 5-year median( 23.84%), indicating stable margins.

Q.6 Does its ROIC exceed its WACC?
Apollo Finvest (India) Ltd return on invested capital (ROIC) is 11.28% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Apollo Finvest (India) Ltd?
Apollo Finvest (India) Ltd Total Asset growth is 46.67% for FY-2025, which is above its 5-year CAGR of 10.42%, indicating faster growth.

C: How strong is the bank’s capital position and asset quality?

Q.8 Capital Adequacy ratio of Apollo Finvest (India) Ltd?
Apollo Finvest (India) Ltd Capital Adequacy ratio (CAR) is 64.5% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

D: Promoter shareholding and pledge status of Apollo Finvest (India) Ltd?

Q.1 Promoter shareholding and pledge status of Apollo Finvest (India) Ltd?
Promoters hold 70.70% of the Apollo Finvest (India) Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Apollo Finvest (India) Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Apollo Finvest (India) Ltd vs Industry Peers?
Apollo Finvest (India) Ltd AUM CAGR is 10.42%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Apollo Finvest (India) Ltd vs industry peers
Apollo Finvest (India) Ltd profit metrics are in line with the industry median level of 4.73%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) 23.84 12.79
PPOP (%) -12.5 -
RoA (%) 7.8 1.4

Q.3 Operating efficiency of Apollo Finvest (India) Ltd vs industry peers?
Apollo Finvest (India) Ltd ROCE (19.5) is above the industry median of (4.1); while the current ROE (15.1) are above than the 5-year average Industry ROE (2.2). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) 23.84 12.79
PPOP (%) -12.5 -
RoA (%) 7.8 1.4
ROCE (%) 15.5 4.1
ROE (%) 11.3 2.2

Valuation & price assessment

Q.1 Stock return of Apollo Finvest (India) Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 35% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 35% -2.8% -16.5% -41.7%
Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 17.64 27.70 29.12
Price to Book 1.65 4.60 1.11
Price to Sales 5.94 6.26 9.10
EV to EBITDA 10.07 17.13 11.77
Q.3 Valuation ratios of Apollo Finvest (India) Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 1.65 is lower than its historical median of 4.60, indicating that the stock is trading below its historical average valuation.

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