Apollo Finvest (India) Ltd (BOM:512437)

Q3 2026 Apollo Finvest (India) Ltd Earnings Call Transcript

Feb 10, 2026 / 05:30 AM GMT

Release Date Price: ₹418.35 (+4.59%)

Transcript

Key Points

Positve

Apollo Finvest (India) Ltd (BOM:512437) reported sustainable profit growth and an uptick in ROE, indicating positive financial performance.
The company's portfolio quality is top-tier, with GNPA numbers significantly lower than the industry average, showcasing effective risk management.
Apollo Finvest has successfully expanded its retail exposure, doubling its size quarter-on-quarter, and aims for it to constitute 70-80% of its AUM.
The company is leveraging technology and partnerships to enhance its digital lending capabilities, including AI-driven underwriting and account aggregator data.
Apollo Finvest is investing in talent acquisition from the industry to strengthen its team and accelerate growth, particularly for its new venture, Apollo Cash.

Negative

The company's revenue growth has been inconsistent, with fluctuations over the past few years, raising concerns about long-term scalability.
Apollo Finvest's focus on profitability over revenue may limit its ability to show immediate top-line growth, which could affect investor perception.
The launch of Apollo Cash will increase employee expenses, potentially impacting short-term profitability as the company invests in future growth.
The digital lending space is highly competitive, with numerous apps available, posing challenges for Apollo Cash to differentiate itself and capture market share.
The company faces potential risks from increasing fraud in digital lending, necessitating continuous investment in technology and risk management strategies.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

APLM.BO - Apollo Finvest (India) Ltd
Q3 2026 Apollo Finvest (India) Ltd Earnings Call
Feb 11, 2026 / 05:30AM GMT

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Presentation
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Unidentified_1 [1]
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Thank you. Good morning, everyone.

Thank you for joining us today. I'm Pooja Gohal, company secretary and compliance officer of Apollo Invest India Limited. On behalf of the company, I warmly welcome you to our quarter 3 Financial year 2,526 earnings call. Joining me today are Mr. Mikhil Enani, managing director and CEO, and Mrs. Diksha Nia, full-time director and CFO of the company. They will take you through the company's performance and key highlights for Q3 FY 2,526. If you have any questions or insights during the call, please feel free to raise your hand or share them through the chat box. With that, I request Mr. Mikhil Enani to take these proceedings ahead. Over to you, Mikhil.

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