Transcript of the earnings call held on 12th May, 2026 for the period ended March 31, 2026.
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Apollo Finvest reported a slight dip in revenue, PAT, and AUM for FY26 as it transitions from term loans to co-lending partnerships. The company launched its flagship digital lending product 'Apollo Cash' in October 2025, which has achieved 5+ crores in disbursements, 1 lakh+ downloads, and 18,000+ loans disbursed across 19,000 PIN codes with zero marketing spend. Month-on-month growth is around 300%. The company expects Apollo Cash to contribute 15-20% of the loan book in year one, scaling to 50-60% over 12-24 months. The retail book proportion increased from 24% to 51% of AUM. The company is building a leadership team with digital lending expertise and believes the opportunity is 50-100x larger than its current business. No external fundraise is planned as debt-to-equity is low.
The strategic pivot to Apollo Cash represents a significant growth opportunity but near-term revenue may remain pressured as the company builds its retail lending book. The strong organic traction without marketing spend suggests strong brand value and product-market fit in the underbanked segment.