Apollo Finvest (India) Limited (512437) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Apollo Finvest (India) Limited ₹435, price ₹515, upside -15.5%, quality 65 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Apollo Finvest (India) Limited for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹266.70 – ₹1,295 · fair‑value band ₹181.74 – ₹584.23 · the ₹515.00 price screens above the ₹435.23 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Follow Apollo Finvest (India) in your weekly email
Every Wednesday you see whether Apollo Finvest (India) is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Apollo Finvest (India) Limited operates as a non-banking finance company in India. The company invests in shares/debentures, immovable properties, equity mutual funds, and debt mutual funds. It also provides personal loans, such as home renovation, marriage, education, and other loans; and consumer loans.
Show more
Apollo Finvest (India) Limited operates as a non-banking finance company in India. The company invests in shares/debentures, immovable properties, equity mutual funds, and debt mutual funds. It also provides personal loans, such as home renovation, marriage, education, and other loans; and consumer loans. The company was formerly known as Apollo Mercantile Limited. Apollo Finvest (India) Limited was incorporated in 1985 and is based in Mumbai, India.
Stock analysis
Apollo Finvest (India) Limited (512437) currently trades at ₹515.00, while our model-based Fair Value estimate is ₹435.23, 15.5% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Growth DCF group reads highest at a median of ₹1,279 per share, and 3 of the 10 models we run sit above the ₹515.00 price.
Bear case: the Asset-Based group reads lowest at ₹133.40, and 7 of the 10 models stay below the price. Evidence for this calculation is medium.
Scenario range: ₹181.74 (bear) to ₹584.23 (bull), the price of ₹515.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Financials sector.
Mixed Growth: Spin-off in 2026: revenue and profit before it include the divested business. Growth is measured afresh from 2026.
Apollo Finvest (India) Limited reported revenue of ₹190M in FY2026 versus ₹689M in FY2022, a compound −27.5%/yr. Reported net income was ₹69.5M in FY2026, compounding −14.0%/yr from FY2022.
Key figures
Market cap ₹1.9B (≈ $20.0M) · P/E ratio 24.6 · P/S ratio 8.99 · EPS (TTM) ₹16.37 · Net margin 36.5% · Return on assets (EBIT) 12.0% · Operating margin 33.3% · Revenue (TTM) ₹271M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 65% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at 13% fair-value upside, at −15%, 512437 screens richer than that median.
Fair Value models
Bear ₹181.74Fair Value ₹435.23Bull ₹584.23
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹8.34 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Spin-off in 2026: revenue and profit before it include the divested business. Growth is measured afresh from 2026.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−24.0%
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.1%
’14
’15
’16
’17
’18
’19
’21
’22
’23
’24
’25
’26
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−3.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.7%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.30% → 54%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−5.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about −9.2% a year for the price.
Compare Apollo Finvest (India) Limited with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Consumer Finance” was too small, so the broader sector is used.)Financials · 3205 stocks
Beats the sector median on 4/12 measures
Overall it trails its sector peers.
Valuation
Quality Score64 · Top 25%
Fair Value upside−20.4% · Below median
Profitability
Return on assets2.3% · Above median
Net margin (TTM)22.6% · Below median
Operating margin (TTM)33.3% · Below median
Growth and dividend
Revenue growth4.5% · Below median
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.20× · Below median
Valuation Multiplesvs Financials median · lower = cheaper
P/E (TTM)24.6× · Priciest 25%
P/B2.59× · Priciest 25%
P/S (TTM)7.09× · Priciest 25%
P/FCF7.0× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 25
FUTURE (revenue growth)23· sector 47
PAST (return on equity)0· sector 38
HEALTH (low debt)90· sector 87
DIVIDEND (yield)0· sector 59
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Apollo Finvest (India) Limited (512437) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹435.23 versus a price of ₹515.00, about −15% upside (overvalued).
What is the fair value of 512437?
Our model-based fair value for Apollo Finvest (India) Limited is ₹435.23 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹515.00.
What is the quality score of 512437?
Apollo Finvest (India) Limited has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Apollo Finvest (India) Limited (512437)?
Our model-based price target is the fair value of ₹435.23 (as of Sep 24, 2026) from 10 valuation models. Cautious scenario ₹181.74, optimistic scenario ₹584.23. It is a calculation from audited fundamentals, not an analyst target.
What is the Apollo Finvest (India) Limited stock forecast for 2026?
Our models put fair value at ₹435.23, about −15% upside versus a price of ₹515.00 (overvalued). Cautious scenario ₹181.74, optimistic scenario ₹584.23. The calculation is refreshed regularly with new filings.
What is the revenue of Apollo Finvest (India) Limited (512437)?
Apollo Finvest (India) Limited reported trailing-twelve-month revenue of about ₹271M (latest available figure, as of Sep 24, 2026).
What growth is priced into Apollo Finvest (India) Limited (512437)?
For today's price to be fair in a discounted-cash-flow model, Apollo Finvest (India) Limited would have to grow free cash flow by -5.4 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.2 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 512437 use?
Our models discount Apollo Finvest (India) Limited at 10.9 %: a base by market capitalisation (nano), damped by beta 0.26, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Apollo Finvest (India) Limited that is -5.4 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has Apollo Finvest (India) Limited (512437) delivered so far?
Over the past 5 years revenue at Apollo Finvest (India) Limited grew +5.2 % a year. The price currently implies -5.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Apollo Finvest (India) Limited (512437) growing?
The median revenue growth in the sector is +8.1 % a year. That is the yardstick for the growth priced into Apollo Finvest (India) Limited (-5.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Apollo Finvest (India) Limited (512437)?
The free-cash-flow yield on the price is 14.29 %: that much free cash flow Apollo Finvest (India) Limited produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Apollo Finvest (India) Limited (512437)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Apollo Finvest (India) Limited it is ₹435.23 per share (as of Sep 24, 2026), against a price of ₹515.00. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Apollo Finvest (India) Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 512437 trades above its calculated fair value: price ₹515.00, fair value ₹435.23, a gap of about −15% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 512437?
No. The price is what the market pays today (₹515.00); the fair value is what the company's own numbers justify (₹435.23). For Apollo Finvest (India) Limited the two are ₹79.77 per share apart. That gap is exactly why we show both numbers side by side.
How much is Apollo Finvest (India) Limited worth?
The market values Apollo Finvest (India) Limited at about ₹1.9B (market capitalisation, as of Sep 24, 2026). Per share that is ₹515.00; our models calculate a fair value of ₹435.23 per share.
What do the bullish and bearish scenarios say about 512437?
Our models span a range for Apollo Finvest (India) Limited: cautious scenario ₹181.74, base ₹435.23, optimistic ₹584.23 per share (as of Sep 24, 2026, price ₹515.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 512437?
Apollo Finvest (India) Limited trades at a price-to-earnings ratio of 24.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹435.23 is built from several models across several years. Other multiples: P/B 2.6, P/S 7.1.
How solid is the balance sheet of Apollo Finvest (India) Limited (512437)?
Balance-sheet figures for Apollo Finvest (India) Limited (as of Sep 24, 2026): debt of 0.20 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is 512437 from its 52-week high?
Apollo Finvest (India) Limited trades at ₹515.00, about 8% below its 52-week high of ₹561.90 and 65% above the low of ₹313.00 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹435.23 is for.
Which stocks are comparable to Apollo Finvest (India) Limited?
From the same area (Financials) we also value SAHLIBHFI, Ceejay Finance Limited, ANUPAM, HASTIFIN, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Apollo Finvest (India) Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹515.00, calculated fair value ₹435.23 (−15%), Quality Score 65/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 512437 calculated?
We run Apollo Finvest (India) Limited through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹435.23, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Apollo Finvest (India) Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Apollo Finvest (India) Limited (512437)?
The closing price on Oct 1, 2026 was ₹515.00. Our model-based fair value is ₹435.23, about −15% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Apollo Finvest (India) Limited right now?
The model range is unusually wide (₹181.74 to ₹584.23). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (65/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Apollo Finvest (India) Limited
How large is the market capitalisation of Apollo Finvest (India) Limited (512437)?
The market capitalisation of Apollo Finvest (India) Limited is ₹1.9B (≈ $20.0M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Apollo Finvest (India) Limited (512437)?
The price-to-sales ratio of Apollo Finvest (India) Limited is 8.99 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Apollo Finvest (India) Limited (512437)?
Earnings per share at Apollo Finvest (India) Limited are ₹16.37 (price ÷ EPS = P/E 24.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Apollo Finvest (India) Limited (512437)?
The net margin of Apollo Finvest (India) Limited is 36.5% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Apollo Finvest (India) Limited (512437)?
On an EBIT basis the return on assets of Apollo Finvest (India) Limited is 12.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Apollo Finvest (India) Limited (512437)?
The operating margin of Apollo Finvest (India) Limited is 33.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Apollo Finvest (India) Limited (512437)?
Revenue at Apollo Finvest (India) Limited is growing +4.5% versus a year earlier (3y avg −24.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Apollo Finvest (India) Limited (512437)?
Earnings per share at Apollo Finvest (India) Limited are growing −34.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Apollo Finvest (India) Limited (512437) carry?
The net debt of Apollo Finvest (India) Limited is ₹116M (fiscal year 2026, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Apollo Finvest (India) Limited in the live analysis
One click puts Apollo Finvest (India) Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
