Q4 2024 Apollo Finvest (India) Ltd Earnings Call Transcript
Key Points
- Significant AUM growth in Q3 and Q4, indicating successful strategy implementation.
- Shift towards partnerships with regulated NBFCs, ensuring better loan quality and compliance.
- Clear guidelines from RBI have validated the digital lending industry, providing a stable regulatory environment.
- Strong technology infrastructure allows for quick integration with partners, enhancing operational efficiency.
- High confidence in achieving INR100 crore capital commitment by H1 2025, indicating robust growth prospects.
- Revenue growth not proportional to AUM growth due to the co-lending model's accounting structure.
- High impairment costs in Q4 impacted profitability, highlighting potential risks in loan quality.
- Dependence on regulatory changes and compliance, which can affect business operations and strategy.
- Potential challenges in maintaining long-term partnerships with NBFCs as they scale and develop their own capabilities.
- Limited focus on revenue metrics, which might concern investors looking for clear financial performance indicators.
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Good morning everyone. I am Prachi Jain, Company Secretary and Compliance Officer of Apollo Finvest India Limited. Welcoming you all to the investors call. Apollo conducts these investor calls every quarter to facilitate an interaction with our current and prospective investors.
We have Mr. Mikhil Innani , the Managing Director and CEO, and Ms. Diksha Nangia, Whole-Time Director, and CFO of Apollo to brief you about last year's performance and the previous year's data. In case during the meeting you have any questions or insights for us, please drop your questions in the Q&A section. I will hand it over to Mikhil now to take this ahead.
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All right. Thank you so much Prachi for getting me on stage. As usual, I think I'm very, very happy to obviously host our earnings call and
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