Apollo Finvest Multibagger Stock 2021

Apollo Finvest is a technology company with a NBFC license. It enables fintechs to offer fully digital and compliant loans to their customers. It provides Fintechs with the infrastructure for the complete lending cycle. Right from booking a loan, credit automation rule engines, managing disbursements and repayments through API’s to collections.

One integrated platform to build a perfect lending product. This includes Lending license, Compliance, Regulation, Accessing credit reports, Bank statement analysis, Access to telecom data for alternate underwriting, Fraud detection APIs, Digital KYC, Loan Management Systems, Disbursements APIs, Collection APIs, Loan Reporting, Asset reconstruction – all accessible via modern RESTful APIs APIs.

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ParameterDescription
Market CapitalizationRs. ₹ 137 CR
CMPRs.367
BSE Code512437
ROE30.53 %
ROCE23.44 %

Products & Services

•Company Product mainly includes a digital lending platform called “Sonic”

•By making possible for every company to become a provider of digital loans, the accessibility of formal credit will gain significant momentum. Access to credit is a critical component in the growth and prosperity of the country.

•Just like AWS has made it possible to launch internet apps in a matter of hours. This will open the flood gates to innovation.

•This infrastructure is not only useful for new-age fintechs but also existing traditional lenders whose DNA is not technology. Apollo will be the platform to build the future of digital lending.

Sonic is a simple, fast, & completely reimagined Loan Management System that is flexible, modular, and customizable. It is built from scratch, based on our experiences with over 50+ fintechs — to cover all of your digital lending needs

Management

For any startup or small scale growing company it is important to know about the management who will eventually be responsible to build the company. •

Mr. Mikhil R. Innani – Managing Director

Mikhil has over 8+ years experience of building products from the ground up to an unprecedented scale of 100+ mm monthly active users. Prior to Apollo Finvest, he headed growth and consumer product at Hotstar (India’s largest OTT platform) and CouponDunia (Acquired by Times Internet). He also Co-founded PharmEasy (India’s largest, series C funded, online medicine delivery startup).

Financials

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Positives

•High Promoter Holding

•The company has shown huge annual growth in terms of sales and profitability which is expected to continue upscale due to overall demand in sector

•Impact of Covid has open gates for tech driven companies due to social distancing thus anyone availing credit can opt online instead of going physically to banks

•The sector has good growth potential as all financial institutions are investing in tech

Negatives

High PE of 44

No Dividend Payouts

Increasing competition among the industry 

Technology if outdated can severely impact the company

Warren Buffet Checklist

FACTOROUTCOME
ECONOMIC MOATGood
GROWTHGood
VALUATIONAverage
DEBTGood
INTEGRITYGood

SUMMARY

The company can give Multibagger Returns of 300%+ returns in a 5 year period.

DISCLAIMER this is not a Multibagger recommendation.  Analyst do not hold stake in the company.

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