Whalesbook
Toh bhaiyo, Apollo Finvest (India) Limited ne ekdum se apna game plan badal diya hai. Woh ab 'Apollo Cash' naam se apna direct lending business launch kar rahe hain. Yeh unka naya move hai taaki woh financial services market mein aur share capture kar sakein. Pehle toh woh partners ke through kaam karte the, par ab woh seedha customers se judne ka plan bana rahe hain.
Strategy Change: Partnerships Se Seedha Lending Tak
Company ka kehna hai ki 'Apollo Cash' unka next 2-5 saal ka growth engine banega. Yeh vertical unki 8-9 saal ki fintech partners ke saath kaam karne ki experience ka fayda uthayega. Iske liye woh kafi paisa technology aur achhe professionals par lagane wale hain. Aim hai ki retail customers se 70-80% AUM aaye.
Financial Plan: Debt Se Growth Aur Profitability Ka Focus
Q3 FY26 ke numbers toh abhi detail mein nahi bataye hain, lekin management ne profit growth par zor diya hai. Unka target hai ki Return on Equity (ROE) 20% tak pahunche. Aur yeh sab karne ke liye woh debt ka use karenge. Abhi unka debt-to-equity ratio lagbhag zero hai, toh unke paas borrowing ke liye kaafi scope hai. Woh ise approximately 3X tak le jaana chahte hain. Employee expenses ko bhi future growth investment mana ja raha hai.
Future Outlook: Exponential Growth
Management ko ummeed hai ki 'Apollo Cash' business unke existing partnership model ko complement karega aur company ke AUM ko kafi badhayega. Unka kehna hai ki is investment se next 24-36 months mein exponential scalability aur achhe returns milenge.
Competition Mein Kaisa Hai?
Waisey toh India mein direct lending space mein kafi competition badh raha hai. Poonawalla Fincorp aur Northern Arc Capital jaise players bhi retail lending mein focus kar rahe hain. Par Apollo Finvest ka 20% ROE ka target aur 3X debt-to-equity ratio dikhata hai ki woh aggressive growth chahte hain.