Any current/future new fundraising through debt or equity?

Apollo Finvest plans to exhaust its internal equity base within the next couple of quarters due to rapid growth. Post equity exhaustion, the company is preparing to leverage its balance sheet by taking on debt. The management is already in conversations with family offices for future capital needs. Longer-term plans involve building relationships with banks to raise debt, though it is recognized as challenging. The current priority is maximizing deployment of existing equity, followed by detailed debt planning. Apollo expects to achieve equity to AUM ratios between 2.5 to 3.5x while maintainin

Any current/future capex/capital investment/strategic investment?

Apollo Finvest plans to exhaust its internal equity (approx. ₹57 to 60 crores) within the next few quarters as part of its growth strategy. Post-exhaustion of equity, the company intends to raise debt through banks and family offices to scale operations more efficiently. The target equity to debt ratio is around 2.5 to 3.5 to maintain strong return on equity and sustain organic growth without excessive dilution. The company is focusing on leveraging debt alongside equity for future lending, indicating capital investment in expanding its loan book. Apollo is actively engaging in co-lending part

Future growth expectations in sales/revenue/volumes?

Expect significant ramp-up in lending AUM in Q3 and Q4 as new fintech partners align with Apollo's sustainable lending values (Page 8). Growth driven by increase in number of partners onboarded, number of loans, and overall EM (Expected Margin) (Page 5). Anticipate 2-3x growth in AUM relative to net equity with a goal to reach equity-to-asset ratios between 2.5 to 3.5 over time (Pages 6 and 12). Focus on efficient capital utilization leading to higher ROEs (~20% PBT) facilitating organic scaling without excessive equity dilution (Pages 6 and 12). Emphasis on sustainable, unit economics positiv

Future growth expectations in earnings/operating earnings/profits/EPS?

Apollo Finvest anticipates a significant ramp-up in AUM (Assets Under Management) in Q3 and Q4 due to better-aligned fintech partnerships and a more sustainable digital lending ecosystem. The company expects growth driven by the increase in the number of partners and loans. They aim for equity-to-assets ratios of 2.5 to 3.5x by efficiently leveraging debt and equity without substantial dilution. Apollo targets delivering strong ROEs (~20% PBT) while scaling up, enabling organic growth and capital addition. Growth in lending will be high-quality, short-term loans typically ranging from ₹10,000

Current/ Expected Orderbook/ Pending Orders?

The transcript does not explicitly mention "current or expected orderbook" or "pending orders." However, Apollo Finvest is focused on ramping up lending volumes, especially through co-lending partnerships and fintech collaborations. They expect significant growth in loan originations and Assets Under Management (AUM) in Q3 and Q4, driven by stronger fintech partnerships aligned with sustainable lending models. Loan ticket sizes typically range between ₹10,000 to ₹2 lakhs, with durations mostly between 3 to 12 months. Apollo plans to exhaust internal equity soon and is already engaging with ban

IN US

Apollo FinvestQ3 FY24Finance

Apollo Finvest Q3 FY24 Earnings Call Analysis

Revenue, margin, capex, fundraise and order book outlook from management commentary.

Price: ₹345P/E: 22.6Market Cap: ₹130 CrSector: Finance

Management growth scorecard

Revenue

Category 2

Margin

Category 3

Fundraise

Yes

Order

Yes

Capex

Yes

3 of 5 growth signals are positive.

Full analysis

Revenue guidance

Category 2

→Expect significant ramp-up in lending AUM in Q3 and Q4 as new fintech partners align with Apollo's sustainable lending values (Page 8).
→Growth driven by increase in number of partners onboarded, number of loans, and overall EM (Expected Margin) (Page 5).
→Anticipate 2-3x growth in AUM relative to net equity with a goal to reach equity-to-asset ratios between 2.5 to 3.5 over time (Pages 6 and 12).
→Focus on efficient capital utilization leading to higher ROEs (~20% PBT) facilitating organic scaling without excessive equity dilution (Pages 6 and 12).
→Emphasis on sustainable, unit economics positive partnerships, especially with NBFCs via co-lending models, to drive prudent growth (Page 4).
→Growth strategy includes leveraging both Apollo’s internal equity and planned increase in debt from banks and family offices (Pages 9 and 13).

Margin guidance

Category 3

→Apollo Finvest anticipates a significant ramp-up in AUM (Assets Under Management) in Q3 and Q4 due to better-aligned fintech partnerships and a more sustainable digital lending ecosystem.
→The company expects growth driven by the increase in the number of partners and loans.
→They aim for equity-to-assets ratios of 2.5 to 3.5x by efficiently leveraging debt and equity without substantial dilution.
→Apollo targets delivering strong ROEs (~20% PBT) while scaling up, enabling organic growth and capital addition.
→Growth in lending will be high-quality, short-term loans typically ranging from ₹10,000 to ₹1-2 lakhs, with loan durations between 3 to 12 months.
→Fee and commission expense reversals and cautious provisioning impact short-term earnings accounting.
→Overall, Apollo is optimistic about growing its top line, primarily driven by interest income.

3 more insights locked — sign up free to unlock

Fundraise plans

Yes

→Apollo Finvest plans to exhaust its internal equity base within the next couple of quarters due to rapid growth.
→Post equity exhaustion, the company is preparing to leverage its balance sheet by taking on debt.
→The management is already in conversations with family offices for future capital needs.
→Longer-term plans involve building relationships with banks to raise debt, though it is recognized as challenging.
→The current priority is maximizing deployment of existing equity, followed by detailed debt planning.
→Apollo expects to achieve equity to AUM ratios between 2.5 to 3.5x while maintaining strong ROEs.
→Fundraising will likely be a mix of equity and debt to support scaling, with debt playing an increasingly important role after internal equity is utilized.
→The company aims to raise capital more efficiently than competitors due to high ROIs and sustainable lending models.

Order book

Yes

→The transcript does not explicitly mention "current or expected orderbook" or "pending orders."
→However, Apollo Finvest is focused on ramping up lending volumes, especially through co-lending partnerships and fintech collaborations.
→They expect significant growth in loan originations and Assets Under Management (AUM) in Q3 and Q4, driven by stronger fintech partnerships aligned with sustainable lending models.
→Loan ticket sizes typically range between ₹10,000 to ₹2 lakhs, with durations mostly between 3 to 12 months.
→Apollo plans to exhaust internal equity soon and is already engaging with banks and family offices for debt to scale up lending.
→They are optimistic about growth post the digital lending guidelines adjustment period being over.
→Emphasis is on building a high-trust brand with unit economics-focused sustainable growth rather than rapid expansion without quality assurance.

Capex plans

Yes

→Apollo Finvest plans to exhaust its internal equity (approx. ₹57 to 60 crores) within the next few quarters as part of its growth strategy.
→Post-exhaustion of equity, the company intends to raise debt through banks and family offices to scale operations more efficiently.
→The target equity to debt ratio is around 2.5 to 3.5 to maintain strong return on equity and sustain organic growth without excessive dilution.
→The company is focusing on leveraging debt alongside equity for future lending, indicating capital investment in expanding its loan book.
→Apollo is actively engaging in co-lending partnerships with NBFCs and fintechs to optimize capital utilization and improve unit economics.
→No explicit mention of large one-time strategic capital expenditures, but emphasis is on scaling lending via strategic capital and technology partnerships.

How does Apollo Finvest rank vs peers in Finance?

Pro feature

1Apollo Finvest

Rev 2Mar 3

See full Finance sector rankings

Want more stocks like Apollo Finvest?

Build an AI portfolio filtered by sector, market cap, and growth rank. Takes 2 minutes.

Build my portfolio