Available Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 8, 2025, 6:39 pm

Quick Insight

Available Finance Ltd, a non-banking financial company, currently trades at ₹178 with a market cap of ₹182 Cr. The low P/E ratio of 1.75 suggests an undervalued stock. However, the company's ROE of 9.15% and ROCE of 0.03% indicate a need for improved capital efficiency. With a high operating profit margin of 64% and no borrowings, the company shows strong financial discipline. The low P/BV ratio of 0.17x and an ICR of 0.00x raise concerns about asset quality and debt coverage. Shareholder distribution is concentrated, with promoters holding 66.32%, while public ownership stands at 33.68%. Available Finance Ltd has potential but needs to focus on improving returns and diversifying its shareholder base to enhance investor confidence.

Competitors of Available Finance Ltd

All Competitor Stocks of Available Finance Ltd

Quarterly Result

Last Updated: May 31, 2025, 6:51 am

Below is a detailed analysis of the quarterly data for Available Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Sales, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
• For Expenses, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
• For Operating Profit, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
• For OPM %, as of Mar 2025, the value is 64.00%. The value appears strong and on an upward trend. It has increased from 50.00% (Dec 2024) to 64.00%, marking an increase of 14.00%.
• For Other Income, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
• For Interest, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
• For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
• For Profit before tax, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
• For Tax %, as of Mar 2025, the value is 11.00%. The value appears to be improving (decreasing) as expected. It has decreased from 29.00% (Dec 2024) to 11.00%, marking a decrease of 18.00%.
• For Net Profit, as of Mar 2025, the value is 32.00 Cr.. The value appears strong and on an upward trend. It has increased from 21.00 Cr. (Dec 2024) to 32.00 Cr., marking an increase of 11.00 Cr..
• For EPS in Rs, as of Mar 2025, the value is 31.42. The value appears strong and on an upward trend. It has increased from 20.23 (Dec 2024) to 31.42, marking an increase of 11.19.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Profit & Loss - Annual Report

Last Updated: June 16, 2025, 2:45 pm

Growth

Last Updated: Unknown

Balance Sheet

Last Updated: July 25, 2025, 1:47 pm

Below is a detailed analysis of the balance sheet data for Available Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Equity Capital, as of Mar 2025, the value is 10.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 10.00 Cr..
• For Reserves, as of Mar 2025, the value is 1,186.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,072.00 Cr. (Mar 2024) to 1,186.00 Cr., marking an increase of 114.00 Cr..
• For Borrowings, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
• For Other Liabilities, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
• For Total Liabilities, as of Mar 2025, the value is 1,196.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,082.00 Cr. (Mar 2024) to 1,196.00 Cr., marking an increase of 114.00 Cr..
• For Fixed Assets, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
• For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
• For Investments, as of Mar 2025, the value is 1,190.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,076.00 Cr. (Mar 2024) to 1,190.00 Cr., marking an increase of 114.00 Cr..
• For Other Assets, as of Mar 2025, the value is 7.00 Cr.. The value appears strong and on an upward trend. It has increased from 6.00 Cr. (Mar 2024) to 7.00 Cr., marking an increase of 1.00 Cr..
• For Total Assets, as of Mar 2025, the value is 1,196.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,082.00 Cr. (Mar 2024) to 1,196.00 Cr., marking an increase of 114.00 Cr..

Notably, the Reserves (1,186.00 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Cash Flow

Free Cash Flow

Share Holding Pattern

Key Financial Ratios

After reviewing the key financial ratios for Available Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

• For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
• For Basic EPS (Rs.), as of Mar 25, the value is 102.13. This value is within the healthy range. It has decreased from 116.45 (Mar 24) to 102.13, marking a decrease of 14.32.
• For Diluted EPS (Rs.), as of Mar 25, the value is 102.13. This value is within the healthy range. It has decreased from 116.45 (Mar 24) to 102.13, marking a decrease of 14.32.
• For Cash EPS (Rs.), as of Mar 25, the value is 0.22. This value is below the healthy minimum of 3. There is no change compared to the previous period (Mar 24) which recorded 0.22.
• For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1,172.39. It has increased from 1,060.11 (Mar 24) to 1,172.39, marking an increase of 112.28.
• For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1,172.39. It has increased from 1,060.11 (Mar 24) to 1,172.39, marking an increase of 112.28.
• For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 0.55. It has increased from 0.53 (Mar 24) to 0.55, marking an increase of 0.02.
• For PBDIT / Share (Rs.), as of Mar 25, the value is 0.29. This value is below the healthy minimum of 2. It has increased from 0.28 (Mar 24) to 0.29, marking an increase of 0.01.
• For PBIT / Share (Rs.), as of Mar 25, the value is 0.29. This value is within the healthy range. It has increased from 0.28 (Mar 24) to 0.29, marking an increase of 0.01.
• For PBT / Share (Rs.), as of Mar 25, the value is 0.29. This value is within the healthy range. It has increased from 0.28 (Mar 24) to 0.29, marking an increase of 0.01.
• For Net Profit / Share (Rs.), as of Mar 25, the value is 0.22. This value is below the healthy minimum of 2. There is no change compared to the previous period (Mar 24) which recorded 0.22.
• For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 102.13. This value is within the healthy range. It has decreased from 116.45 (Mar 24) to 102.13, marking a decrease of 14.32.
• For PBDIT Margin (%), as of Mar 25, the value is 53.04. This value is within the healthy range. It has decreased from 53.42 (Mar 24) to 53.04, marking a decrease of 0.38.
• For PBIT Margin (%), as of Mar 25, the value is 52.74. This value exceeds the healthy maximum of 20. It has decreased from 53.22 (Mar 24) to 52.74, marking a decrease of 0.48.
• For PBT Margin (%), as of Mar 25, the value is 52.74. This value is within the healthy range. It has decreased from 53.22 (Mar 24) to 52.74, marking a decrease of 0.48.
• For Net Profit Margin (%), as of Mar 25, the value is 39.79. This value exceeds the healthy maximum of 10. It has decreased from 42.63 (Mar 24) to 39.79, marking a decrease of 2.84.
• For NP After MI And SOA Margin (%), as of Mar 25, the value is 18,388.33. This value exceeds the healthy maximum of 20. It has decreased from 21,743.42 (Mar 24) to 18,388.33, marking a decrease of 3,355.09.
• For Return on Networth / Equity (%), as of Mar 25, the value is 8.71. This value is below the healthy minimum of 15. It has decreased from 10.98 (Mar 24) to 8.71, marking a decrease of 2.27.
• For Return on Capital Employeed (%), as of Mar 25, the value is 0.02. This value is below the healthy minimum of 10. There is no change compared to the previous period (Mar 24) which recorded 0.02.
• For Return On Assets (%), as of Mar 25, the value is 8.70. This value is within the healthy range. It has decreased from 10.98 (Mar 24) to 8.70, marking a decrease of 2.28.
• For Current Ratio (X), as of Mar 25, the value is 20,808.22. This value exceeds the healthy maximum of 3. It has decreased from 25,570.71 (Mar 24) to 20,808.22, marking a decrease of 4,762.49.
• For Quick Ratio (X), as of Mar 25, the value is 20,808.22. This value exceeds the healthy maximum of 2. It has decreased from 25,570.71 (Mar 24) to 20,808.22, marking a decrease of 4,762.49.
• For Interest Coverage Ratio (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. There is no change compared to the previous period (Mar 24) which recorded 0.00.
• For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. There is no change compared to the previous period (Mar 24) which recorded 0.00.
• For Enterprise Value (Cr.), as of Mar 25, the value is 205.65. It has decreased from 223.95 (Mar 24) to 205.65, marking a decrease of 18.30.
• For EV / Net Operating Revenue (X), as of Mar 25, the value is 362.89. This value exceeds the healthy maximum of 3. It has decreased from 409.79 (Mar 24) to 362.89, marking a decrease of 46.90.
• For EV / EBITDA (X), as of Mar 25, the value is 684.12. This value exceeds the healthy maximum of 15. It has decreased from 767.05 (Mar 24) to 684.12, marking a decrease of 82.93.
• For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 363.08. This value exceeds the healthy maximum of 3. It has decreased from 409.84 (Mar 24) to 363.08, marking a decrease of 46.76.
• For Price / BV (X), as of Mar 25, the value is 0.17. This value is below the healthy minimum of 1. It has decreased from 0.20 (Mar 24) to 0.17, marking a decrease of 0.03.
• For Price / Net Operating Revenue (X), as of Mar 25, the value is 363.33. This value exceeds the healthy maximum of 3. It has decreased from 410.28 (Mar 24) to 363.33, marking a decrease of 46.95.
• For EarningsYield, as of Mar 25, the value is 0.50. This value is below the healthy minimum of 5. It has decreased from 0.53 (Mar 24) to 0.50, marking a decrease of 0.03.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Fair Value

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Strength and Weakness