Investor Presentation for the quarter ended March 31, 2025
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Apollo Finvest (India) Ltd, a digital-first publicly listed NBFC, shared its FY25 investor presentation. Total Income rose 44% year-on-year to Rs. 30.44 Cr, with Profit After Tax at Rs. 7.22 Cr and a Net Profit Margin of 24%. Assets under Management (AUM) grew 74.4% YoY, expanding from Rs. 47.5 Cr in Q4 FY24 to Rs. 83.36 Cr in Q4 FY25. Asset quality remains strong with GNPA at 0.7% (vs industry 2.45%), Collections Efficiency at 91%, and CRAR at 64.45%. Promoters hold a high 70.71% stake, and Debt-to-Equity is a low 0.4. The company plans to expand from its current wholesale-focused model into Co-Lending and BC partnerships, targeting a 70% Retail, 30% Wholesale AUM mix going forward, while building AI-powered in-house collections tools.
Strong financial growth, healthy asset quality, and high promoter holding signal stability for existing investors. The planned shift toward retail co-lending could accelerate AUM growth but introduces execution risk as the company moves away from its current wholesale-heavy model.