Available Finance Ltd Stock Price Today (NSE: AVAILFC)
Fundamental Score
Available Finance Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Available Finance Ltd share price today is ₹148.00, up +0.00% on NSE/BSE as of 20 February 2026. Available Finance Ltd (AVAILFC) is a Small-cap company in the Other Financial Services sector with a market capitalisation of ₹157.69 (Cr). The 52-week high for AVAILFC share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 1.39x, AVAILFC is currently trading below its industry average P/E of 30.94x. The company has a Return on Equity (ROE) of 9.15% and a debt-to-equity ratio of 0.00.
Available Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Available Finance Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Available Finance Share Price: A Deep Dive and Strategic Analysis
The Other Financial Services sector, often characterized by niche lending and specialized financial solutions, is currently experiencing heightened scrutiny due to fluctuating interest rates and evolving regulatory landscapes. This environment necessitates a granular analysis of individual players, including their financial health and operational efficiency. A close look at the Available Finance share price of ₹147.949997 reveals a complex picture that warrants careful consideration. This financial analysis examines key metrics and benchmarks Available Finance share price against its peers to provide a comprehensive understanding of its current market position.
A critical metric is the Price-to-Earnings (PE) ratio of 1.39. While superficially appearing attractive, this low PE must be interpreted cautiously. It often signals potential underlying concerns, such as low earnings growth expectations, high debt levels, or significant operational challenges. A comparative analysis with sector peers is essential. For instance, a comparison with
Ontic Finserve Ltd and similar companies should factor in management quality, a qualitative aspect that can significantly impact long-term performance. While Ontic Finserve Ltd's management team may have a proven track record of navigating market volatility, Available Finance Ltd's management strength needs independent verification, and the current data does not suffice. Any assessment must carefully review the track records of all management teams.The Return on Capital Employed (ROCE) of 0.03% is particularly concerning. This exceptionally low ROCE suggests that Available Finance Ltd is generating minimal returns on its invested capital. A low ROCE of 0.03% severely impacts the company's competitive moat. A strong ROCE allows companies to reinvest profits to create further competitive advantage, but this is not apparent here. This lack of profitability hinders the company's ability to reinvest in growth, innovate, and create a sustainable competitive advantage, potentially making it vulnerable to more efficient competitors.
This analysis forms part of a comprehensive 80-parameter fundamental audit, overseen and verified by Sweta Mishra, to ensure a thorough evaluation of Available Finance Ltd's financial health. It is based on publicly available data and is purely observational. It does not constitute any investment advice or recommendation to buy or sell the stock. A deeper dive is suggested before making any financial decisions.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Available Finance Ltd Fundamental Analysis & Valuation Benchmarking
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.
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.
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.
Excellent EPS Growth (16.21% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
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.
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.
Balanced Promoter Holding (66.32%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
5 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.
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.
Negative Free Cash Flow (₹-4.25 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
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.
Available Finance Ltd Financial Statements
Comprehensive financial data for Available Finance Ltd including income statement, balance sheet and cash flow
About AVAILFC (Available Finance Ltd)
Available Finance Ltd (AVAILFC) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Other Financial Services sector with a current market capitalisation of ₹157.69 (Cr). Available Finance Ltd has delivered a Return on Equity (ROE) of 9.15% and a ROCE of 0.03%. The debt-to-equity ratio stands at 0.00, reflecting the company's capital structure. Investors tracking AVAILFC share price can monitor key metrics including P/E ratio, promoter holding of 66.32%, and quarterly earnings growth.
Company Details
Key Leadership
AVAILFC Share Price: Frequently Asked Questions
What is the current share price of Available Finance Ltd (AVAILFC)?
As of 20 Feb 2026, 06:10 am IST, Available Finance Ltd share price is ₹148.00. The AVAILFC stock has a market capitalisation of ₹157.69 (Cr) on NSE/BSE.
Is AVAILFC share price Overvalued or Undervalued?
AVAILFC share price 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 Available Finance Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of AVAILFC share price?
The 52-week high of AVAILFC share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Available Finance Ltd share price?
Key factors influencing AVAILFC share price include 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 in AVAILFC shares.
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 share price P/E of 1.39x and ROE of 9.15% against the industry averages to determine competitive standing.
What is the P/E ratio of AVAILFC and what does it mean?
AVAILFC share price has a P/E ratio of 1.39x compared to the industry average of 30.94x. Investors pay ₹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, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
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 share price.
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. ROE measures how efficiently Available Finance Ltd generates profits from shareholders capital.
How is AVAILFC 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.
What is AVAILFC dividend yield and is it a good dividend stock?
AVAILFC offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Available Finance Ltd shares.
How has AVAILFC share price 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% pledged. High promoter holding often indicates strong management confidence in Available Finance Ltd.
What is AVAILFC market capitalisation category?
AVAILFC has a market capitalisation 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 Available Finance Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is AVAILFC 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 quarterly performance?
Recent quarterly performance shows Available Finance Ltd 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 Available Finance Ltd stock.