Available Finance Ltd.

•

availablefinance.inBSE: 531310NSE: AVAILFC

Market Cap₹ 149 Cr.

Current Price

High / Low₹ 164 / 145

Stock P/E589.4

Book Value₹ 18

Price to Book6.79

Dividend Yield0.00 %

ROCE1.7 %

ROE1.2 %

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

Stock looks reasonably valued - P/E of 589.4 is below its historical median

CONS

Recent results are weak - TTM profit is down 99.2% versus prior year
Company has a low return on capital employed of 1.6%
Company has a low return on equity of 1.2% over last 3 years
Operating margins have contracted to 51.9% from 66.9%
Stock is trading at 6.8x its book value

* 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	1057.00	32.41	658083.37	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1046.85	21.76	246322.08	1.03	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	JIOFIN	237.00	75.73	156494.46	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
4.	CHOLAFIN	1820.00	27.03	155440.01	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	TATACAP	364.85	28.66	154874.05	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
6.	BAJAJHLDNG	11090.30	13.94	123427.84	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2935.45	10.36	117849.06	1.02	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.90	26.47	108651.86	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	312.10	24.58	78223.26	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	633.05	26.48	60243.77	0.39	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	674.80	25.76	56060.02	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	AVAILFC	146.15	1.01	149.13	0.00	77.20	-79.41	0.15	0.67	0.02	51142.38

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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	0
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%	58.28%
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	0
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%	25.29%
Net Profit	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
Equity Capital	10	10	10	10	10	10	10	10	10	10	10	10	10
Reserves	7	7	7	7	7	7	7	7	7	7	7	7	8
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	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	—
OPM %	92	-69	61	92	66	71	67	53	53	52	—
Other Income	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
	0	-1	-0	1	0	0	0	0	0	0	0
Tax %	33	1	-45	2	-2	21	35	20	25	28	29
Net Profit	0	-1	-0	1	0	0	0	0	0	0	0
EPS	0	0	0	1	0	0	0	0	0	0	—
Dividend Payout %	0	0	0	0	0	0	0	0	0	0	—
Minority Interest	0	0	0	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0	0	0	0
Adjusted EPS	0	-1	-0	1	0	0	0	0	0	0	—

COMPOUNDED SALES GROWTH

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

COMPOUNDED PROFIT GROWTH

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

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: 1%
5 Years:: 1%
3 Years:: 1%
Last Year:: 1%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	10	10	10	10	10	10	10	10	10	10
	6	5	5	6	7	7	8	8	9	9
	5	5	2	0	0	0	0	0	0	0
	2	2	2	2	2	2	0	0	0	0
Total Liabilities	24	23	19	18	19	20	18	19	19	19
ASSETS	-	-	-	-	-	-	-	-	-	-
	16	16	16	17	11	12	12	12	12	12
Cash & Bank	0	0	0	0	1	0	0	0	0	0
	8	6	2	1	7	8	6	6	6	7
Total Assets	24	23	19	18	19	20	18	19	19	19
Total Debt	7	7	4	2	2	2	0	0	0	0
Net Working Capital	2	1	0	0	7	8	6	-0	0	-0
Contingent Liabilities	1	1	6	1	0	0	0	0	0	0
Book Value per Share	16.21	14.83	14.80	15.90	16.41	17.28	17.82	18.10	18.45	18.40
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-0	-0	0	3	-6	-1	2	0	0	-0
Cash from Investing	0	0	0	-1	6	0	0	-0	-0	-0
Cash from Financing	0	0	0	-2	0	0	-2	0	0	0
	-0	-0	0	-0	0	-1	0	-0	0	-0
Free Cash Flow	-0	-0	0	3	-6	-1	2	-0	0	-0
OCF / Net Profit	-0.95	0.00	-4.45	2.71	-15.27	-1.56	8.97	0.02	0.38	-0.35
Cumulative 5-Year FCF	0	0	0	0	-3	-4	-2	-2	-4	1

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	0.17	-1.37	-0.03	0.94	0.37	0.35	0.21	0.23	0.22	0.22
Book Value (₹)	16.21	14.83	14.80	15.90	16.41	17.28	17.82	18.10	18.45	18.40
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	0.21	-1.37	-0.03	0.94	0.37	0.35	0.21	0.23	0.22	0.22
PROFITABILITY
Operating Margin %	92.22%	-68.86%	61.42%	91.91%	66.21%	70.75%	66.87%	53.14%	53.02%	51.89%
Net Margin %	8.78%	-145.06%	-4.92%	87.51%	67.44%	55.89%	35.95%	42.64%	39.77%	36.90%
ROE %	1.04%	-8.86%	-0.18%	6.11%	2.26%	2.06%	1.18%	1.27%	1.21%	1.19%
ROCE %	5.91%	-2.87%	1.67%	5.45%	1.99%	2.35%	2.09%	1.59%	1.60%	1.66%
	0.57%	-6.00%	-0.13%	5.18%	2.02%	1.85%	1.11%	1.26%	1.19%	1.17%
EFFICIENCY
Debtor Days	0	0	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	0	0	0
FINANCIAL HEALTH
Debt to Equity (x)	0.44x	0.49x	0.24x	0.12x	0.11x	0.11x	0.00x	0.00x	0.00x	0.00x
Interest Coverage (x)	1.17x	-0.88x	0.95x	36.66x	0.00x	0.00x	5.94x	0.00x	0.00x	0.00x
	1.27x	1.09x	1.20x	17.76x	514.31x	331.93x	51.78x	0.65x	1.83x	0.55x
GROWTH
Revenue Growth %	-40.37%	-50.38%	-41.93%	94.70%	-49.44%	14.83%	-7.08%	-7.32%	3.71%	6.71%
Operating Profit Growth %	-40.47%	-137.05%	151.79%	191.38%	-63.58%	22.71%	-12.18%	-25.96%	2.95%	4.40%
Net Profit Growth %	25.07%	-920.19%	98.03%	3560.75%	-61.04%	-4.84%	-40.23%	9.93%	-3.28%	-0.99%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	9.94%	-3.28%	-1.00%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	961.03x	912.86x	571.38x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	12.13x	10.93x	6.79x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	767.06x	684.20x	406.24x

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

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