Transcript of Investors and Analysts Call/Earnings Call for the Quarter ended June 30, 2025
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Apollo Finvest reported Q1 FY26 revenue of around ₹7 crore and profit before tax of about ₹3 crore. Management said the quarter was about transitioning back toward a retail-heavy book (target 70% retail, 30% wholesale) after a defensive phase focused on term loans (currently at a 60/40 split). They introduced a new 'warehouse term loan' structure that gives Apollo real-time control over cash flows and borrower approvals through their Sonic tech platform. About ₹2 crore of other income came from the sale of a previously owned office property. Revenue declined versus last year, which management attributed to ecosystem volatility and a deliberate decision to slow NBFC direct lending. They highlighted tech tools (Sonic, Senti for AI call monitoring, AI voice bots for collections) as their key differentiator.
Near-term outlook remains weak — management acknowledged the stock is at multi-year lows and profit has dropped from last year's ~₹9 crore. However, they see the next 12-18 months as a transition phase, with retail book scaling expected to revive growth. No specific revenue or margin guidance was provided.