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Available Finance Ltd (AVAILFC)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531310 NSE: AVAILFC Finance - NBFC | Small Cap | Available Fin Share Price

₹152.15 -1.50 (-0.98%)

As on 11-Jun'26 16:59

Available Finance Ltd (AVAILFC)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531310 NSE: AVAILFC Finance - NBFC | Small Cap | Available Fin Share Price

₹152.15 -1.50 (-0.98%)

As on 11-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹157 Cr.
Current Price
₹152.2
52-Week Low / High
₹122 / 212
TTM EPS
₹0.2
Book Value per Share
₹17.3
P/E Ratio
699.91
Higher than its 5-year historical median
Industry PE
25.3
Price to Book (P/B)
8.87
In line with its 5-year historical median
EV/EBITDA
497.63
In line with its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
1.21%
Return on Capital Employed (ROCE)
1.60%
Return on Assets (ROA)
1.19%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
3.64%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
1.93%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹0.6 Cr.
Reserves
₹7 Cr.
Equity
₹10.2 Cr.
Face Value
₹10
All Time Low / High
₹1.30 / 471.00

Available Finance stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 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.

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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.

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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.
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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.
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.
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10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Available Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)3.31.910.61.10.60.60.60.50.61
YoY Gr. Rt. %--40.4%-50.4%-42%94.8%-49.4%14.8%-7.1%-7.3%3.7%-
Adj EPS (₹ ) 0.10.2-1.4-00.90.40.40.20.20.20.2
YoY Gr. Rt. %-30.8%-905.9%NANA-60.6%-5.4%-40%9.5%-4.4%-
BVPS (₹ )1616.214.814.815.916.417.317.818.118.517.3
YoY Gr. Rt. %-1.1%-8.5%-0.2%7.4%3.2%5.3%3.1%1.6%1.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)0.40.6-6-0.15.221.91.11.31.20

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income-17.7%-12.3%-3.7%3.7%
Adj EPS6%-25.2%-14.3%-4.4%
BVPS1.6%3%2.2%1.9%
Share Price 37.8% 43.5% -0.6% -26.4%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)4.28.8-145.1-4.987.567.455.93642.639.837.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)0.81-8.9-0.26.12.32.11.21.31.21.3

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 3211111111
Interest Income3211111111
Other Income ⓘ 0010000000
Exceptional Items ⓘ 0000000000
Expenditure ⓘ + 3221000000
Interest Expense ⓘ 3110000000
Operating Expenses ⓘ 0000000000
Provisions 0010000000
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 00-1-0100000
Taxes ⓘ 00-000-00000
Profit After Tax 00-1-0100000
Adjusted EPS (₹)0.10.2-1.4-0.00.90.40.40.20.20.2
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Available Fin - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +16171515161718181819
Share Capital ⓘ 10101010101010101010
Reserves ⓘ 6655677889
Short term borrowings15552000000
Long Term Borrowings4222222000
Current Liabilities 15662000000
Trade Payables0000000000
Other Liabilities-15-5-5-20-0-0-0-00
Total Liabilities ⓘ 36242319181920181919

Assets

Non Current Asset +17171717181212121919
Loan Asset 0000000066
Other Non Current Asset ⓘ 17171717181212121213
Current Asset +19762078600
Current Investment0000000000
Other Current Asset19762078600
Total Assets ⓘ 36242319181920181919

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -0-0-003-6-1200
Cash Flow From Investing Activity ⓘ 0000-1600-0-0
Cash Flow From Financing Activity ⓘ 0000-200-200
Net Cash Flow ⓘ -0-0-00-00-10-00

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)0.100.20-1.40-00.900.400.400.200.200.20
DPS (₹)0000000000
BVPS (₹)1616.214.814.815.916.417.317.818.118.5

Performance Ratios

ROA (%)0.40.6-6.0-0.15.22.01.91.11.31.2
ROE (%)0.81.0-8.9-0.26.12.32.11.21.31.2
ROCE (%)8.05.9-2.91.75.52.02.42.11.61.6

Valuation Parameters

Price/Book(x)0.00.30.60.60.00.87.77.412.110.9

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Available Finance Ltd FAQs

The current trading price of Available Fin on 11-Jun-2026 16:59 is ₹152.2.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 10-Jun-2026 the market cap of Available Fin stood at ₹156.8 Cr

The latest P/E ratio of Available Fin as of 10-Jun-2026 is 699.9.

The latest P/B ratio of Available Fin as of 10-Jun-2026 is 8.87.

The 52-week high of Available Fin is ₹212.0 and the 52-week low is ₹122.2.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Available Fin is ₹0.60 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Available Finance Ltd is a below average quality company.

The key valuation ratios of Available Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Available Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Available Finance Ltd

Available Finance, incorporated in 1993, is a non-banking finance company. The company is based in Indore, India.

The registered office of the company is located at 3, Everest Building, 1st Floor, 30, Saket, Indore, Madhya Pradesh.

Business areas of the company:

The company is engaged in the leasing and hire purchase sector. It offers various types of loans, as well as invests in shares.

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