Available Finance Ltd.

•

availablefinance.inBSE: 531310NSE: AVAILFC

Market Cap₹ 144 Cr.

Current Price

High / Low₹ 164 / 145

Stock P/E1.0

Book Value₹ 1,281

Price to Book0.10

Dividend Yield0.00 %

ROCE0.0 %

ROE0.0 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2015 • Loans ( Finance): 98.9% • Share Investment: 1.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has consistently been profitable over the last 5 years
Stock looks reasonably valued - P/E of 1.0 is below its historical median

CONS

Company has a low return on capital employed of 0.0%
Company has a low return on equity of 0.0% over last 3 years
Operating margins have contracted to 51.9% from 66.9%
Though reporting repeated profits, the company pays out little dividend (0.0%)
Company's return on assets is weak at 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1055.00	32.35	656838.18	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1029.95	21.41	242345.54	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	367.80	28.89	156126.28	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	CHOLAFIN	1824.90	27.10	155858.50	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	JIOFIN	233.50	74.61	154183.36	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11055.60	13.89	123041.65	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2896.70	10.23	116293.37	1.04	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.20	26.43	108461.67	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	308.50	24.30	77320.98	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	668.55	27.96	63622.10	0.37	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.70	26.07	56716.32	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	AVAILFC	141.50	0.98	144.38	0.00	77.20	-79.41	0.15	0.67	0.02	51142.38

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	0	0	0	0	0	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Profit	0	0	0	0	0	0	0	0	0	0	0	0	77
OPM %	30.77%	64.29%	64.29%	57.14%	57.14%	42.86%	50.00%	64.29%	33.33%	66.67%	53.33%	56.25%	51142.38%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	0	0	0	0	0	77
Tax %	25.00%	11.11%	22.22%	25.00%	25.00%	33.33%	28.57%	22.22%	20.00%	30.00%	37.50%	22.22%	0.03%
Net Profit	0	0	0	0	355	160	206	321	375	233	266	199	77
	21	15	48	32	35	16	20	31	37	23	26	20	8

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	2	1	1	1	1	1	1	1	1	1	1
	0	2	0	0	0	0	0	0	0	0	0
Operating Profit	2	-1	0	1	0	0	0	0	0	0	0
OPM %	88.57%	-70.35%	59.62%	87.06%	66.21%	62.20%	62.15%	53.14%	53.02%	51.89%	58.43%
	0	0	0	0	0	0	0	0	0	0	0
Interest	1	1	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	0	-1	-0	1	0	0	0	0	0	0	77
Tax %	32.57%	1.37%	-44.67%	2.11%	-1.86%	20.99%	35.30%	19.89%	24.58%	28.29%	0.13%
Net Profit	0	-1	-0	1	0	0	0	0	0	0	77
EPS	0.00	0.00	0.00	48.18	83.28	204.78	168.74	116.45	102.13	105.22	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: -16%
5 Years:: 2%
3 Years:: 1%

COMPOUNDED PROFIT GROWTH

10 Years:: 29%
5 Years:: 5%
3 Years:: -15%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 0%
5 Years:: 0%
3 Years:: 0%
Last Year:: 0%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	10	10	10	10	10	10	10	10	10	10
	172	208	245	263	472	731	932	1,072	1,186	1,297
	7	7	4	2	2	2	0	0	0	0
Total Liabilities	190	226	259	275	484	743	943	1,082	1,197	1,308
	182	219	257	275	477	736	937	1,076	1,190	1,301
Cash & Bank	0	0	0	0	1	0	0	0	0	0
	8	6	2	1	7	8	6	6	6	7
Total Assets	190	226	259	275	484	743	943	1,082	1,197	1,308

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-0	-0	3	-6	-0	2	0	0	-0
Cash from Investing	0	0	-1	6	0	0	-0	-0	-0
Cash from Financing	0	0	-2	0	0	-2	0	0	0
	-0	-0	-0	0	-1	0	-0	0	-0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	66.32	66.32	66.32	66.32	66.32	66.32	66.32	65.52	65.52
FIIs	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
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	33.68	33.68	33.68	33.68	33.68	33.68	33.68	34.48	34.48

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

No announcements filed.

News

Recent coverage and analyst commentary for AVAILFC

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AI Stock Analyst

Available Finance Ltd.

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Free 5nance Account

Name

BAJFINANCE

1055.00

32.35

656838.18

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1029.95

21.41

242345.54

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

TATACAP

367.80

28.89

156126.28

0.15

16281.80

1464.16

88219.30

1051.00

8.66

75.72

CHOLAFIN

1824.90

27.10

155858.50

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

JIOFIN

233.50

74.61

154183.36

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

11055.60

13.89

123041.65

1.76

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2896.70

10.23

116293.37

1.04

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

396.20

26.43

108461.67

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

308.50

24.30

77320.98

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

668.55

27.96

63622.10

0.37

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

682.70

26.07

56716.32

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

AVAILFC

141.50

0.98

144.38

0.00

77.20

-79.41

0.15

0.67

0.02

51142.38

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

Operating Profit

OPM %

30.77%

64.29%

57.14%

42.86%

50.00%

64.29%

33.33%

66.67%

53.33%

56.25%

51142.38%

Other Income

Interest

Depreciation

Tax %

25.00%

11.11%

22.22%

25.00%

33.33%

28.57%

22.22%

20.00%

30.00%

37.50%

22.22%

0.03%

Net Profit

355

160

206

321

375

233

266

199

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

Operating Profit

-1

OPM %

88.57%

-70.35%

59.62%

87.06%

66.21%

62.20%

62.15%

53.14%

53.02%

51.89%

58.43%

Interest

Depreciation

Profit before Tax

-1

-0

Tax %

32.57%

1.37%

-44.67%

2.11%

-1.86%

20.99%

35.30%

19.89%

24.58%

28.29%

0.13%

Net Profit

-1

-0

EPS

0.00

48.18

83.28

204.78

168.74

116.45

102.13

105.22

—

Dividend Payout %

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

172

208

245

263

472

731

932

1,072

1,186

1,297

Total Liabilities

190

226

259

275

484

743

943

1,082

1,197

1,308

182

219

257

275

477

736

937

1,076

1,190

1,301

Cash & Bank

Total Assets

190

226

259

275

484

743

943

1,082

1,197

1,308

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-0

-6

-0

Cash from Investing

-1

-0

Cash from Financing

-2

-0

-1

-0

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

66.32

65.52

FIIs

0.00

DIIs

0.00

Government

0.00

33.68

34.48

Available Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Available Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI