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Available Finance Ltd
Fundamental Score
Available Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of AVAILFC across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Operating Margins (60.94%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 1.39 vs Industry: 30.94)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Robust Profit Growth (45.57%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Excellent EPS Growth (16.21% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (16.21% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Balanced Promoter Holding (66.32%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
6 factors identified
Below-Average Return on Equity (9.15%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (0.03%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Limited Growth History (-12.94% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities. Assess future growth catalysts.
Negative Free Cash Flow (₹-4.25 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
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Financial Statements
Comprehensive financial data for Available Finance Ltd
About AVAILFC
Business Overview
Available Finance Limited, a non-banking financial company, engages in the lending and investment activities in India. The company was formerly known as Flag Finin Limited and changed its name to Available Finance Limited in May 1999. Available Finance Limited was incorporated in 1993 and is based in Indore, India. Available Finance Limited is a subsidiary of Archana Coal Private Limited.
Company Details
Key Leadership
AVAILFC Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Available Finance Ltd (AVAILFC)?
As of 19 Jan 2026, 10:12 am IST, Available Finance Ltd (AVAILFC) is currently trading at ₹153.65. The stock has a market capitalization of ₹157.69 (Cr).
Is AVAILFC share price Overvalued or Undervalued?
AVAILFC is currently trading at a P/E ratio of 1.39x, compared to the industry average of 30.94x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Available Finance Ltd share price?
Key factors influencing AVAILFC's price include its quarterly earnings growth (Sales Growth: 7.14%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Available Finance Ltd a good stock for long-term investment?
Available Finance Ltd shows a 5-year Profit Growth of 16.21% and an ROE of 9.15%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.00 before investing.
How does Available Finance Ltd compare with its industry peers?
Available Finance Ltd competes with major peers in the Other Financial Services. Investors should compare AVAILFC's P/E of 1.39x and ROE of 9.15% against the industry averages to determine its competitive standing.
What is the P/E ratio of AVAILFC and what does it mean?
AVAILFC has a P/E ratio of 1.39x compared to the industry average of 30.94x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹1 for every ₹1 of annual earnings.
How is AVAILFC performing according to Bull Run's analysis?
AVAILFC has a Bull Run fundamental score of 48.2/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does AVAILFC belong to?
AVAILFC operates in the Other Financial Services industry. This classification helps understand the competitive landscape and sector-specific trends affecting Available Finance Ltd.
What is Return on Equity (ROE) and why is it important for AVAILFC?
AVAILFC has an ROE of 9.15%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Available Finance Ltd generates profits from shareholders' equity.
How is AVAILFC's debt-to-equity ratio and what does it indicate?
AVAILFC has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is AVAILFC's dividend yield and is it a good dividend stock?
AVAILFC offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has AVAILFC grown over the past 5 years?
AVAILFC has achieved 5-year growth rates of: Sales Growth -12.94%, Profit Growth 16.21%, and EPS Growth 16.21%.
What is the promoter holding in AVAILFC and why does it matter?
Promoters hold 66.32% of AVAILFC shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is AVAILFC's market capitalization category?
AVAILFC has a market capitalization of ₹158 crores, placing it in the Small-cap category.
How volatile is AVAILFC stock?
AVAILFC has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for AVAILFC?
AVAILFC has a 52-week high of ₹N/A and low of ₹N/A.
What is AVAILFC's operating profit margin trend?
AVAILFC has a 5-year average Operating Profit Margin (OPM) of 60.94%, indicating the company's operational efficiency.
How is AVAILFC's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 7.14% and YoY Profit Growth of 45.57%.
What is the institutional holding pattern in AVAILFC?
AVAILFC has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.