Available Finance Ltd - Stock Valuation and Financial Performance

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

Available Fin Share Price

229.70 -10.05 -4.19%
as on 12-Feb'25 16:59

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

Somewhat overvalued

3. Price Trend

Available Finance stock performance -

P/E Ratio (SA):
972.53
Market Cap:
234.4 Cr.
52-wk low:
200
52-wk high:
471

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 Somewhat 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'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)2.43.3210.61.10.60.60.60.61
YoY Gr. Rt. %-35.7%-40.4%-50.3%-42.3%94.6%-49.5%14.6%-6.4%-6.8%-
Adj EPS (₹ ) 0.10.10.2-1.4-00.90.40.40.20.20.2
YoY Gr. Rt. %-18.2%30.8%-905.9%NANA-60.6%-5.4%-40%9.5%-
BVPS (₹ )15.91616.214.814.815.916.417.317.818.120
YoY Gr. Rt. %-0.9%1.1%-8.5%-0.2%7.4%3.2%5.3%3.1%1.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.30.40.6-6-0.15.221.91.11.30

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-15.1%-0.4%0%-6.8%
Adj EPS8.5%NA-14.7%9.5%
BVPS1.5%4.1%3.3%1.6%
Share Price 46.1% 107.3% 32.4% 4.6%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
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 (%)4.94.28.8-145.1-4.987.567.455.93642.643.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.70.81-8.9-0.26.12.32.11.21.31.2

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 7.07 CAGR in last 3 years

Net Profit has declined -14.66 CAGR in last 3 years

Latest Financials - Available Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.2 130.4
TTM Sales (₹ Cr.) 0.6 0.6
BVPS (₹.) 20 1,114.9
Reserves (₹ Cr.) 10 1,127
P/BV 11.48 0.21
PE 972.53 1.76
From the Market
52 Week Low / High (₹) 200.00 / 471.00
All Time Low / High (₹) 1.30 / 471.00
Market Cap (₹ Cr.) 234
Equity (₹ Cr.) 10.2
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Sales (₹ Cr.) 1,19,213 13.51,07,316 5.71,00,534 -3.71,12,833 2.8
Adj EPS (₹) 45.3 225.313.9 36.28.3 -16.214.8 -19.5
Op. Profit Mgn % 14.26 208 bps14.45 110 bps11.67 -142 bps11.55 -241 bps
Net Profit Mgn % 14.37 934 bps4.94 122 bps3.03 -59 bps4.93 -136 bps

Management X-Ray of Available Fin:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:66.32%Institutions:0%Non-Institutions:33.68%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%70%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Available Fin

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Available Fin

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 978.3 19.6 (2%) Small Cap 10,020 23.1 -16.8 42.4 0.8
Edelweiss Financial 105.4 -3.8 (-3.5%) Small Cap 9,500 4.9 5.6 21.6 1.9
Manappuram Finance 191.7 -5.7 (-2.9%) Small Cap 8,848 26.7 24.8 7.2 1.3
CreditAccess Grameen 998.1 2.8 (0.3%) Small Cap 5,167 55.2 28 18.1 2.3
Spandana Sphoorty 313.9 -12.7 (-3.9%) Small Cap 2,424 -66.2 20.7 - 0.7
Fusion Finance 172.5 0.9 (0.5%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 147.5 -3.7 (-2.5%) Small Cap 2,270 17.5 19.8 8.4 0.8
Five Star Business 698.8 -1.8 (-0.3%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 182 -2.3 (-1.2%) Small Cap 1,829 17.4 15.3 10.5 0.9
Fedbank Financial 91.8 -1 (-1.1%) Small Cap 1,577 5.9 15.5 15.5 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income2321111111
Interest Income2321111111
Other Income 0000000000
Expenditure 2322100000
Interest Expense 2311000000
Operating Expenses 0000000000
Provisions 0001000000
Exceptional Items 0000000000
Profit Before Tax 000-1010000
Taxes 0000000000
Profit After Tax 000-1010000
Adjusted EPS (₹)0.10.10.2-1.40.00.90.40.40.20.2
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital16161715151617181818
Share Capital 10101010101010101010
Reserves 6665567788
Minority Interest0000000000
Long Term Borrowings0422222200
Current Liabilities 231566200000
Trade Payables0000000000
Short term borrowings221555200000
Other Liabilities-22-15-5-5-200000
Total Liabilities 39362423191819201819

Assets

Non Current Asset 17171717171812121212
Loan Asset 0000000000
Other Non Current Asset 17171717171812121212
Current Asset 221976207866
Current Investment0000000000
Other Current Asset221976207866
Total Assets 39362423191819201819

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 000003-6-120
Cash Flow From Investing Activity 00000-16000
Cash Flow From Financing Activity 00000-200-20
Net Cash Flow 0000000-100
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)000-1010000
DPS (₹)0000000000
BVPS (₹)16161615151616171818

Performance Ratios

ROA (%)0.30.40.6-6.0-0.15.22.01.91.11.3
ROE (%)0.70.81.0-8.9-0.26.12.32.11.21.3
ROCE (%)6.28.05.9-2.91.75.52.02.42.11.6

Valuation Parameters

Price/Book(x)0.30.00.30.60.60.00.87.77.412.1

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-Feb-2025 16:59 is ₹229.7.
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-Feb-2025 16:59 the market cap of Available Fin stood at ₹234.4.
The latest P/E ratio of Available Fin as of 12-Feb-2025 16:59 is 972.5.
The latest P/B ratio of Available Fin as of 12-Feb-2025 16:59 is 11.48.
The 52-week high of Available Fin is ₹471.0 and the 52-week low is ₹200.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Available Fin is ₹0.56 ( 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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