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Available Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹123.76Overvalued by 21.17%vs CMP ₹157.00

P/E (1.3) × ROE (9.2%) × BV (₹1,237.00) × DY (2.00%)

₹843.27Undervalued by 437.11%vs CMP ₹157.00
MoS: +81.4% (Strong)Confidence: 48/100 (Moderate)Models: 5 Under, 3 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹110.6825%Over (-29.5%)
Graham NumberEarnings₹1,805.5518%Under (+1050%)
Earnings PowerEarnings₹1,024.8612%Under (+552.8%)
DCFCash Flow₹1,161.2315%Under (+639.6%)
Net Asset ValueAssets₹1,238.348%Under (+688.8%)
Earnings YieldEarnings₹1,171.308%Under (+646.1%)
ROCE CapitalReturns₹7.228%Over (-95.4%)
Revenue MultipleRevenue₹1.476%Over (-99.1%)
Consensus (8 models)₹843.27100%Undervalued
Key Drivers: Wide model spread (₹1–₹1,806) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -10.6%

*Investments are subject to market risks

Analyst Summary

Available Finance Ltd operates in the Non-Banking Financial Company (NBFC) segment, NSE: AVAILFC | BSE: 531310, current market price is ₹157.00, market cap is 160 Cr.. At a glance, stock P/E is 1.34, ROE is 9.15 %, ROCE is 0.03 %, book value is 1,237, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹843.27, which is about 437.1% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹1 Cr versus the prior period change of 0.0%, while latest net profit is about ₹104 Cr with a prior-period change of -12.6%. The 52-week range shown on this page is 244/122, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisAvailable Finance Ltd. is a Public Limited Listed company incorporated on 03/02/1993 and has its registered office in the State of Madhya Pradesh, India. Company's Corporate Identification Number(CIN)…

This summary is generated from the stock page data available for Available Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

52
Available Finance Ltd scores 52/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health61/100 · Moderate
ROCE 0.0% WeakROE 9.2% AverageD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
Promoter holding at 66.3% Stable
Earnings Quality40/100 · Moderate
OPM contracting (66% → 53%) Declining
Quarterly Momentum58/100 · Moderate
Profit (4Q): +13% YoY Positive
Industry Rank45/100 · Moderate
P/E 1.3 vs industry 117.3 Cheaper than peersROCE 0.0% vs industry 15.8% Below peers3Y sales CAGR: 0% Shrinking

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 26, 2026, 1:00 am

Market Cap 160 Cr.
Current Price 157
Intrinsic Value₹843.27
High / Low 244/122
Stock P/E1.34
Book Value 1,237
Dividend Yield0.00 %
ROCE0.03 %
ROE9.15 %
Face Value 10.0
PEG Ratio-0.13

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Available Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Available Finance Ltd 160 Cr. 157 244/1221.34 1,2370.00 %0.03 %9.15 % 10.0
Baid Finserv Ltd 172 Cr. 11.1 13.9/8.8010.2 12.70.90 %11.2 %7.75 % 2.00
Abate As Industries Ltd 173 Cr. 11.0 26.2/9.6292.0 10.40.00 %0.65 %0.66 % 10.0
Credent Global Finance Ltd 180 Cr. 29.3 35.1/20.76.36 16.40.00 %4.04 %9.21 % 2.00
Apollo Finvest (India) Ltd 130 Cr. 349 611/31818.8 1910.00 %14.7 %11.4 % 10.0
Industry Average25,141.65 Cr391.47117.33513.370.24%15.80%8.85%8.50

All Competitor Stocks of Available Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 0000000000000
Expenses 0000000000000
Operating Profit 0000000000000
OPM % 67%55%23%57%64%57%57%43%50%64%33%67%53%
Other Income 0000000000000
Interest 0000000000000
Depreciation 0000000000000
Profit before tax 0000000000000
Tax % 20%88%33%12%22%25%25%33%29%22%20%30%38%
Net Profit 27392216493335162132372327
EPS in Rs 26.5137.7521.3415.2347.6332.2534.7515.7220.2331.4236.7422.8826.09

Last Updated: March 3, 2026, 12:04 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 11:35 pm

MetricMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 32111111111
Expenses 00200000000
Operating Profit 32-101000000
OPM % 93%90%-69%61%89%67%65%66%53%53%54%
Other Income -00000000000
Interest 32100000000
Depreciation 00000000000
Profit before tax 00-1-01000000
Tax % 41%32%-1%50%2%0%22%33%21%23%
Net Profit 83044354985209172119104120
EPS in Rs 8.1829.4243.2734.5948.1883.28204.78168.74116.45102.13117.13
Dividend Payout % 0%0%0%0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)275.00%46.67%-20.45%40.00%73.47%145.88%-17.70%-30.81%-12.61%
Change in YoY Net Profit Growth (%)0.00%-228.33%-67.12%60.45%33.47%72.41%-163.59%-13.11%18.21%

Available Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 9 years from 2016-2017 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:%
5 Years:-13%
3 Years:-6%
TTM:2%
Compounded Profit Growth
10 Years:%
5 Years:16%
3 Years:-21%
TTM:-20%
Stock Price CAGR
10 Years:49%
5 Years:87%
3 Years:-8%
1 Year:-33%
Return on Equity
10 Years:%
5 Years:17%
3 Years:13%
Last Year:9%

Last Updated: September 5, 2025, 2:31 pm

Balance Sheet

Last Updated: February 1, 2026, 4:23 am

MonthMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 1010101010101010101010
Reserves 1051722082462634727319321,0721,1861,252
Borrowings 197742220000
Other Liabilities 00000000000
Total Liabilities 1351892262602754847439431,0821,1961,263
Fixed Assets 00000000000
CWIP 00000000000
Investments 1151822192572754777369371,0761,1901,256
Other Assets 198631786677
Total Assets 1351892262602754847439431,0821,1961,263

Reserves and Borrowings Chart

Cash Flow

MonthMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -0-0043-6-1200
Cash from Investing Activity + 0000-160000
Cash from Financing Activity + 000-4-200-200
Net Cash Flow -0-000-00-1000
Free Cash Flow -0-0043-6-1200
CFO/OP 1%-4%3%1,162%258%-1,538%-109%500%28%53%

Free Cash Flow

MonthMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-16.00-5.00-8.00-4.00-1.00-2.00-2.000.000.000.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days -0-0-0-0-0-0-0-0-0-0
Inventory Days
Days Payable
Cash Conversion Cycle -0-0-0-0-0-0-0-0-0-0
Working Capital Days 45328719226119242590-18-2096
ROCE %1%-0%0%0%0%0%0%0%0%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 61.80%61.80%61.80%66.31%66.31%66.32%66.32%66.32%66.32%66.32%66.32%66.32%
Public 38.19%38.19%38.20%33.68%33.69%33.68%33.69%33.68%33.68%33.69%33.68%33.68%
No. of Shareholders 2,3362,2952,3532,7262,6592,8193,2083,7364,0094,6114,9335,006

Shareholding Pattern Chart

No. of Shareholders

Available Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 102.13116.45168.74204.7883.28
Diluted EPS (Rs.) 102.13116.45168.74204.7883.28
Cash EPS (Rs.) 0.220.220.200.340.36
Book Value[Excl.RevalReserv]/Share (Rs.) 1172.391060.11923.79726.51472.84
Book Value[Incl.RevalReserv]/Share (Rs.) 1172.391060.11923.79726.51472.84
Revenue From Operations / Share (Rs.) 0.550.530.570.620.54
PBDIT / Share (Rs.) 0.290.280.380.440.35
PBIT / Share (Rs.) 0.290.280.380.430.35
PBT / Share (Rs.) 0.290.280.320.430.35
Net Profit / Share (Rs.) 0.220.220.200.340.36
NP After MI And SOA / Share (Rs.) 102.13116.45168.74204.7883.28
PBDIT Margin (%) 53.0353.4266.8670.7566.20
PBIT Margin (%) 52.7253.2266.8070.7366.20
PBT Margin (%) 52.7253.2255.5670.7366.20
Net Profit Margin (%) 39.7642.6335.9455.8867.43
NP After MI And SOA Margin (%) 18387.0321743.4229199.8232926.8715374.65
Return on Networth / Equity (%) 8.7110.9818.2628.1817.61
Return on Capital Employeed (%) 0.020.020.040.060.07
Return On Assets (%) 8.7010.9818.2628.1117.54
Current Ratio (X) 20798.4625570.7136494.57387.97253.41
Quick Ratio (X) 20798.4625570.7136494.57387.97253.41
Interest Coverage Ratio (X) 0.000.005.950.000.00
Interest Coverage Ratio (Post Tax) (X) 0.000.004.200.000.00
Enterprise Value (Cr.) 205.65223.95134.31137.0814.38
EV / Net Operating Revenue (X) 362.86409.79227.77216.0026.01
EV / EBITDA (X) 684.20767.05340.62305.3039.29
MarketCap / Net Operating Revenue (X) 363.05409.84227.81213.0523.54
Price / BV (X) 0.170.200.140.180.02
Price / Net Operating Revenue (X) 363.33410.28228.16213.3723.57
EarningsYield 0.500.531.281.556.53

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Available Finance Ltd. is a Public Limited Listed company incorporated on 03/02/1993 and has its registered office in the State of Madhya Pradesh, India. Company's Corporate Identification Number(CIN) is L67120MP1993PLC007481 and registration number is 007481. Currently company belongs to the Industry of Finance & Investments. Company's Total Operating Revenue is Rs. 0.57 Cr. and Equity Capital is Rs. 10.20 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance & InvestmentsAgarwal House, 5, Yeshwant Colony, Indore Madhya Pradesh 452003Contact not found
Management
NamePosition Held
Mr. Rakesh SahuWholeTime Director & CFO
Mr. Vikas GuptaNon Executive Director
Mr. Rajendra Kumar SohaniNon Executive Director
Mr. Dhawal BagmarIndependent Director
Mr. Pradhumn PathakIndependent Director
Ms. Apoorva JainIndependent Woman Director

FAQ

What is the intrinsic value of Available Finance Ltd and is it undervalued?

As of 30 April 2026, Available Finance Ltd's intrinsic value is ₹843.27, which is 437.11% higher than the current market price of ₹157.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (9.15 %), book value (₹1,237), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Available Finance Ltd?

Available Finance Ltd is trading at ₹157.00 as of 30 April 2026, with a FY2026-2027 high of ₹244 and low of ₹122. The stock is currently in the middle of its 52-week range. Market cap stands at ₹160 Cr..

How does Available Finance Ltd's P/E ratio compare to its industry?

Available Finance Ltd has a P/E ratio of 1.34, which is below the industry average of 117.33. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Available Finance Ltd financially healthy?

Key indicators for Available Finance Ltd: ROCE of 0.03 % is on the lower side compared to the industry average of 15.80%. Dividend yield is 0.00 %.

Is Available Finance Ltd profitable and how is the profit trend?

Available Finance Ltd reported a net profit of ₹104 Cr in Mar 2025 on revenue of ₹1 Cr. Compared to ₹209 Cr in Mar 2022, the net profit shows a declining trend.

Does Available Finance Ltd pay dividends?

Available Finance Ltd has a dividend yield of 0.00 % at the current price of ₹157.00. The company is currently not paying meaningful dividends.

Last Updated: April 26, 2026, 1:00 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 531310 | NSE: AVAILFC
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Available Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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