Available Finance Ltd - Stock Valuation and Financial Performance

BSE: 531310 | NSE: | Finance - NBFC | Small Cap

Available Fin Share Price

260.30 -4.35 -1.64%
as on 12-Jul'24 16:01

DeciZen - make an informed investing decision on Available Fin

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

Available Finance stock performance -

mw4me loader
P/E Ratio (SA):
0.00
Market Cap:
265.6 Cr.
52-wk low:
99.6
52-wk high:
341.4

Is Available Finance Ltd an attractive stock to invest in?

1. Is Available Finance Ltd a good quality company?

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

2. Is Available Finance Ltd undervalued or overvalued?

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

3. Is Available Finance Ltd a good buy now?

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.

10 Year X-Ray of Available Fin:

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'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)1.52.43.3210.61.10.60.60.61
YoY Gr. Rt. %-62.8%35.7%-40.4%-50.3%-42.3%94.6%-49.5%14.6%-6.4%-
Adj EPS (₹ ) 0.30.10.10.2-1.4-00.90.40.40.20.2
YoY Gr. Rt. %--60.7%18.2%30.8%-905.9%NANA-60.6%-5.4%-40%-
BVPS (₹ )15.815.91616.214.814.815.916.417.317.816.9
YoY Gr. Rt. %-0.7%0.9%1.1%-8.5%-0.2%7.4%3.2%5.3%3.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)10.30.40.6-6-0.15.221.91.10

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-9.7%-9.5%-18.5%-6.4%
Adj EPS-3.2%NA-39.3%-40%
BVPS1.4%3.7%3.9%3.1%
Share Price 40.8% 98.8% 61.2% 75.5%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
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 (%)194.94.28.8-145.1-4.987.567.455.93642.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)1.80.70.81-8.9-0.26.12.32.11.21.4

Recent Performance Summary

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 1.30%

Total Income has declined -3.95 CAGR in last 3 years

Net Profit has declined -39.32 CAGR in last 3 years

Latest Financials - Available Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.2 116.5
TTM Sales (₹ Cr.) 0.6 0.6
BVPS (₹.) 16.9 1,038.6
Reserves (₹ Cr.) 7 1,050
P/BV 15.41 0.25
PE 0.00 2.24
From the Market
52 Week Low / High (₹) 99.55 / 341.40
All Time Low / High (₹) 1.30 / 341.40
Market Cap (₹ Cr.) 266
Equity (₹ Cr.) 10.2
Face Value (₹) 10
Industry PE 31.9

Management X-Ray of Available Fin:

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 (%)

Event Update

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Analyst's Notes

Key Ratios of Available Fin

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income2232111111
Interest Income1232111111
Other Income 0000000000
Expenditure 1232210000
Interest Expense 1231100000
Operating Expenses 0000000000
Provisions 0000100000
Exceptional Items 0000000000
Profit Before Tax 0000-101000
Taxes 0000000000
Profit After Tax 0000-101000
Adjusted EPS (₹)0.30.10.10.2-1.40.00.90.40.40.2
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital16161617151516171818
Share Capital 10101010101010101010
Reserves 6666556778
Minority Interest0000000000
Long Term Borrowings0042222220
Current Liabilities 1423156620000
Trade Payables0000000000
Short term borrowings1422155520000
Other Liabilities-14-22-15-5-5-20000
Total Liabilities 30393624231918192018

Assets

Non Current Asset 16171717171718121212
Loan Asset 0000000000
Other Non Current Asset 16171717171718121212
Current Asset 1422197620786
Current Investment0000000000
Other Current Asset1422197620786
Total Assets 30393624231918192018

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 5000003-6-12
Cash Flow From Investing Activity -500000-1600
Cash Flow From Financing Activity 000000-200-2
Net Cash Flow 00000000-10
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)0000-101000
DPS (₹)0000000000
BVPS (₹)16161616151516161718

Performance Ratios

ROA (%)1.00.30.40.6-6.0-0.15.22.01.91.1
ROE (%)1.80.70.81.0-8.9-0.26.12.32.11.2
ROCE (%)4.46.28.05.9-2.91.75.52.02.42.1

Valuation Parameters

Price/Book(x)1.30.30.00.30.60.60.00.87.77.4

Available Finance Ltd Stock News

Available Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Available Fin on 12-Jul-2024 16:01 is ₹260.3.
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 12-Jul-2024 16:01 the market cap of Available Fin stood at ₹265.6.
The latest P/E ratio of Available Fin as of 12-Jul-2024 16:01 is 0.00.
The latest P/B ratio of Available Fin as of 12-Jul-2024 16:01 is 15.41.
The 52-week high of Available Fin is ₹341.4 and the 52-week low is ₹99.55.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Available Fin is ₹0.55 ( Cr.) .

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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