Overview

Detailed Summary

Apex Capital and Finance Limited primarily focuses on providing both short-term and long-term finance solutions to individuals, firms, corporations, and societies, with flexible options on interest and security.
Originally incorporated as Apex Finance Limited in 1985, the company has undergone several name changes reflecting strategic repositioning in the financial services sector.
Despite evolving its brand and business strategy over the decades, the company maintains its core mission of lending and financing across various sectors and demographics.
The flexible financing model of ACFL allows it to cater to a diverse client base, ranging from individuals to large corporates.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 62 Cr
Volatility: —
P/E Ratio: 16.5
Industry P/E: 17.8
PEG Ratio: 1.1
P/B Ratio: 0.5
52W High: —
52W Low: —

Sales CAGR

1Y: -72.96%
3Y: -18.25%
5Y: -16.31%
10Y: 59.78%

Profit CAGR

1Y: -88.20%
3Y: 14.59%
5Y: 4.75%
10Y: 104.54%

ROE

TTM: 3.51%
3Y: 4.16%
5Y: 3.54%
10Y: 2.80%

ROCE

TTM: 4.69%
3Y: 8.15%
5Y: 7.45%
10Y: 5.99%

Technicals

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Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
EVERFIN		109.70	63 Cr	-9.54	3.65	0.00	-38.25	-35.81	-37.68
GOWRALE		80.35	62 Cr	10.73	0.92	0.00	8.61	11.89	6.72
ACFL		—	62 Cr	16.53	0.54	0.00	3.51	4.69	3.46
BAMPSL		18.00	62 Cr	153.93	1.54	0.00	1.01	1.54	1.00
MEGACOR		3.09	61 Cr	67.25	1.73	0.00	2.59	6.65	1.12
ODYCORP		7.49	61 Cr	14.20	0.34	0.00	2.66	6.42	5.05
DCCL		41.80	60 Cr	5.89	0.57	2.39	9.75	11.76	3.44
Median: 7 Co.	—	29.90	62 Cr	14.20	0.92	0.00	2.66	6.42	3.44

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	6.14	1.77	0.51	0.55	0.54	1.18	1.49	1.53	2.06	2.05
Expenses	0.31	0.36	0.38	0.51	0.34	0.61	0.43	0.49	0.42	0.77
Interest	0.78	0.87	0.08	0.04	0.00	0.01	0.00	0.00	0.00	0.00
Financing Profit	5.05	0.54	0.05	0.00	0.20	0.56	1.06	1.04	1.64	1.28
Financing Margin %	82.25	30.51	9.80	0.00	37.04	47.46	71.14	67.97	79.61	62.44
Other Income	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.01	0.00	0.01	0.01	0.01	0.01
Profit Before Tax	5.07	0.54	0.05	0.00	0.19	0.56	1.05	1.03	1.63	1.27
Tax %	25.05	25.93	20.00	—	63.16	25.00	25.71	25.24	25.15	24.41
Net Profit	3.79	0.40	0.04	0.00	0.07	0.41	0.78	0.78	1.22	0.95
EPS in Rs	2.80	0.30	0.03	0.00	0.05	0.03	0.58	0.57	0.91	0.70
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.22	1.71	2.49	6.76	5.05	5.08	5.10	10	2.78	3.76
Expenses	0.19	1.12	1.39	0.70	0.87	1.18	1.11	1.30	1.84	1.89
Interest	0.00	0.00	0.52	5.48	3.34	3.45	3.12	2.99	0.13	0.05
Financing Profit	1.03	0.59	0.57	0.59	0.84	0.46	0.86	5.98	0.81	1.82
Financing Margin %	84.72	34.49	23.01	8.76	16.59	8.97	16.96	58.24	29.21	48.40
Other Income	0.00	0.00	0.00	0.00	0.00	0.03	0.02	0.01	0.00	NaN
Depreciation	0.00	0.00	0.00	0.01	0.01	0.01	0.00	0.00	0.01	0.02
Profit Before Tax	1.03	0.59	0.57	0.58	0.83	0.48	0.88	6.00	0.80	1.80
Tax %	291.45	388.35	384.62	348.79	393.59	374.62	359.82	397.21	291.62	—
Net Profit	0.68	0.44	0.42	0.42	0.62	0.35	0.63	4.49	0.53	NaN
EPS in Rs	—	0.83	0.31	0.31	0.46	0.25	0.47	3.32	0.11	2.76
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	1.97	5.92	5.92	5.92	5.92	5.92	5.92	5.92	5.92	5.92
Reserves	21	17	18	18	19	19	20	20	25	73
Borrowings	0.00	0.00	0.00	64	36	38	36	35	0.00	0.00
Other Liabilities	0.01	0.38	0.44	1.03	0.34	0.86	1.16	1.30	1.62	0.36
Total Liabilities	23	24	24	89	61	64	63	62	32	79
Fixed Assets	0.00	0.00	0.01	0.03	0.02	0.01	0.00	0.00	0.00	0.19
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	15	15	15	15	15	15	15
Other Assets	23	24	24	74	46	49	48	47	17	64
Total Assets	23	24	24	89	61	64	63	62	32	79

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.04	-0.05	-0.03	-48	28	-1.62	1.22	2.98	34	-48
Cash from Investing Activity	0.00	0.00	-0.01	-15	-0.00	0.00	0.00	0.00	-0.00	-0.20
Cash from Financing Activity	0.00	0.00	0.00	64	-28	1.72	-1.33	-1.44	-35	48
Net Cash Flow	0.04	-0.05	-0.04	0.03	-0.03	0.10	-0.11	1.54	-1.00	-0.41

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	May 2026
Promoters	73.01%	73.01%	73.01%	73.01%	73.01%	73.01%	73.01%	73.01%	73.01%	73.01%	73.01%	73.01%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	26.99%	26.99%	26.99%	26.99%	26.99%	26.99%	26.99%	26.99%	26.99%	26.99%	26.99%	26.99%
Total Shareholders	109	109	109	109	109	111	111	111	111	111	111	111

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