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On 6 Nov 2026, Available Finance was priced at ₹137.60, or 1.0× trailing earnings, and the shares are 21% below their 52-week high. Its ROE of 8.6% is the lowest among the 7 largest Credit Services peers, and net profit fell 15% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 0.11× book value. It is a small-cap company with a market cap of ₹140 Cr, ranked 78th of 193 Credit Services companies by market cap; the shares fell 11% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹142.95
Day high
₹142.95
Day low
₹135.30
Prev. close
₹138.20
Volume
681

Health check

2 good · 3 to check
  • ReturnsBehind

    −11.3% over a year, better than 2 of 7 peers.

  • Price tagCheaper

    P/B 0.11 vs peer median 2.62.

  • GrowthShrinking

    Profit −14.6% a year over 3 years.

  • ProfitabilityWeak

    ROE 8.6% vs peer median 18.7%.

  • Balance sheetn/a

    Asset quality (bad loans) isn’t in our data.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹140 Cr, #78 of 193 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Jun 2026: sales ₹1 Cr · profit ₹147 Cr
Market cap
₹140 Cr
Small cap
P/E
1.0
Industry 15.5
Price to book
0.11
Peers 2.62
Dividend yield
0.00%
ROE
8.6%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹144.14
OPM (TTM)
58.5%
Net margin 24222.5%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+105.9%
Latest quarter vs a year ago
Price to sales
231.23

Strengths and risks

Strengths

  • Quarterly profit up 105.9% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Available Finance

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.

Headquarters
Indore
Employees
3
Sector
Financial Services
ISIN
INE325G01010
Website
availablefinance.in

Price range

52 weeks

₹122.15₹174.00

Today

₹135.30₹142.95
Avg volume (3M)
5.2K
1-year return
minus 11.3%
From 52-week high
minus 20.9%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
AVAILFCAvailable Finance137.60minus 0.43%1401.00.118.6%–−14.6%0.00%minus 11.3%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26
0.10.20.20.20.2
0.10.10.10.10.1
00.10.10.10.1
31.2%65.6%52.9%57.4%58.1%
0−0000
00000
00.10.10.10.1
26.2%25.5%36.4%25.3%25.1%
37.523.326.619.977.2
36.7422.8826.0919.5175.66

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
−14.6%
EPS CAGR 3Y
−14.6%
ROE
8.6%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
0.60.50.60.6
–minus 7.3%+2.9%+7.0%
0.30.30.30.3
0.30.30.30.3
51.5%53.1%52.7%51.6%
0000
0000
0.30.30.30.3
35.3%19.9%24.6%28.3%
172119104107
–minus 31.0%minus 12.6%+3.4%
168.74116.45101.75105.22

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
10.210.210.210.2
9321,0721,1881,297
0.10.20.20.2
9431,0821,1991,307
0000
9351,0741,1921,299
1.41.50.11.4
66.36.26.7
9431,0821,1991,307

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
1.900.1−0.1
–−0−0−0
−1.9–––
0−00.1−0.1
–−0−0−0
1.9−00.1−0.1

Shareholding pattern

This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.

Major shareholders

BSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you