Check Before You Invest : Available Finance Ltd

Q: Which industry/sub-sector does Available Finance Ltd belong to?

Available Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Available Finance Ltd a good quality company?

Available Finance Ltd is a weak quality company, based on a inconsistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Available Finance Ltd undervalued or overvalued?

Available Finance Ltd appears Fair, as its key valuation ratios are in line with their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 693.5, Historic Median: 611.83. Price to Book, Current: 8.39, Historic Median: 9.08. Price to Sales, Current: 271.52, Historic Median: 272.48. EV to EBITDA, Current: 506.46, Historic Median: 475.46

Q: Is Available Finance Ltd a good buy now?

Available Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Available Finance Ltd?

Available Finance Ltd Operating Income growth is 3.66% for FY-2025, which is above its 5-year CAGR of -12.3%, indicating faster growth.

Q: Return on Assets of Available Finance Ltd?

Available Finance Ltd Return on Asset is 1.2%, which is below its 5-year historical median of 1.3%, indicating deteriorated earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 39.77, Historic Median: 42.64. PPOP (%), Current: -, Historic Median: -. RoA (%), Current: 1.2, Historic Median: 1.3

Q: Return on Equity (ROE) of Available Finance Ltd?

Available Finance Ltd Return on Equity is 1.2% for FY-2025, which is below its 5-year historical median of 1.3%, indicating the business is making worse use of its shareholders capital.

Q: Net Profit Margin of Available Finance Ltd?

Available Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 39.77% for FY-2025, which is below its 5-year median( 42.64%), indicating decreasing margins.

Q: Does its ROIC exceed its WACC?

Available Finance Ltd return on invested capital (ROIC) is 1.21% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Q: Total Asset growth of Available Finance Ltd?

Available Finance Ltd Total Asset growth is 0% for FY-2025, which is below its 5-year CAGR of 1.09%, indicating slower growth.

Check Before You Invest : Available Finance Ltd

BSE: 531310 NSE: AVAILFC ISIN: INE325G01010

| Sector: BFSI | Industry: Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Available Finance Ltd belong to?

Available Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Available Finance Ltd a good quality company?

Available Finance Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Available Finance Ltd undervalued or overvalued?

Available Finance Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	693.5	611.83
Price to Book	8.39	9.08
Price to Sales	271.52	272.48
EV to EBITDA	506.46	475.46

Q.4 Is Available Finance Ltd a good buy now?

Available Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Available Finance Ltd?

Available Finance Ltd Operating Income growth is 3.66% for FY-2025, which is above its 5-year CAGR of -12.3%, indicating faster growth.

Q.2 Return on Assets of Available Finance Ltd?

Available Finance Ltd Return on Asset is 1.2%, which is below its 5-year historical median of 1.3%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	39.77	42.64
PPOP (%)	-	-
RoA (%)	1.2	1.3

Q.3 Return on Equity (ROE) of Available Finance Ltd?

Available Finance Ltd Return on Equity is 1.2% for FY-2025, which is below its 5-year historical median of 1.3%, indicating the business is making worse use of its shareholders capital.

Q.4 Net Profit Margin of Available Finance Ltd?

Available Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 39.77% for FY-2025, which is below its 5-year median( 42.64%), indicating decreasing margins.

Q.5 Does its ROIC exceed its WACC?

Available Finance Ltd return on invested capital (ROIC) is 1.21% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.6 Total Asset growth of Available Finance Ltd?

Available Finance Ltd Total Asset growth is 0% for FY-2025, which is below its 5-year CAGR of 1.09%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Available Finance Ltd?

Q.1 Promoter shareholding and pledge status of Available Finance Ltd?

Promoters hold 65.52% of the Available Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Available Finance Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Available Finance Ltd vs Industry Peers?

Available Finance Ltd AUM CAGR is 1.09%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Available Finance Ltd vs industry peers

Available Finance Ltd profit metrics are in line with the industry median level of 4.73%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	39.77	12.79
PPOP (%)	-	-
RoA (%)	1.2	1.4

Q.3 Operating efficiency of Available Finance Ltd vs industry peers?

Available Finance Ltd ROCE (2) is below the industry median of (4.1); while the current ROE (1.3) are below than the 5-year average Industry ROE (2.2). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	39.77	12.79
PPOP (%)	-	-
RoA (%)	1.2	1.4
ROCE (%)	1.6	4.1
ROE (%)	1.2	2.2

Valuation & price assessment

Q.1 Stock return of Available Finance Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 38.2% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	38.2%	46.7%	2%	-27.5%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	693.5	611.83	29.12
Price to Book	8.39	9.08	1.11
Price to Sales	271.52	272.48	9.10
EV to EBITDA	506.46	475.46	11.77

Q.3 Valuation ratios of Available Finance Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 8.39 is lower than its historical median of 9.08, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : Available Finance Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

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