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    Financial - Credit Services
Available Finance Limited

Available Finance Limited

AVAILFC.BO
Available Finance LimitedIN flagBombay Stock Exchange
152.00
INR
+0.40
- -
1.55BMarket Cap
Available Finance Limited
AVAILFC.BO
(Bombay Stock Exchange)

Recent

price

152.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
0.83
1.67
1.77
1.45
2.36
3.2
1.91
0.95
0.52
1.07
0.54
0.64
0.58
0.54
0.56
- -
0.59
Revenue per Share
0.36
0.39
0.49
0.27
0.11
8.18
29.42
43.27
34.59
48.18
83.28
204.78
168.74
116.45
101.75
- -
105.22
Basic EPS, GAAP
-8.8
0.08
0.07
4.93
0.05
-0.06
-0.16
- -
3.87
2.54
-5.58
-0.54
1.86
- -
0.08
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
12.02
10.78
12.15
12.37
12.47
100.94
167.87
203.11
240.06
258.81
461.47
664.4
856.78
989.01
1,098.14
- -
10
Book Value per Share
13.62
16.21
15.51
15.79
15.9
113.04
178.39
214.23
251.01
268.12
472.84
726.51
923.79
1,060.11
1,172.35
- -
1,281.17
Tangible Book Value per Share
9
9
10
10
10
10
10
10
10
10
10
10
10
10
10
- -
10
Basic Weighted Avg Shares
8
16
18
15
24
33
19
10
5
11
6
6
6
5
6
6
6
Sales/Revenue/Turnover
85.08
83.83
39.97
24.33
3.63
24.84
38.2
61.31
46.09
88.13
66.21
62.98
51.47
52.94
52.71
51.45
51.45
Operating Margin (%)
- -
- -
- -
- -
1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
4
5
3
1
83
300
442
353
492
850
2,090
1,722
1,188
1,038
1,074
1,074
Net Income, GAAP
26.78
28.76
30.97
27.48
6.69
39.66
32.57
- -
- -
2.11
- -
20.99
35.3
19.89
24.56
28.29
28.32
Effective Tax Rate (%)
43.85
23.56
27.59
18.95
4.86
255.56
1,540.59
4,566.55
6,624.31
4,497.09
15,375.86
32,233.74
29,199.83
21,743.43
18,321.26
17,754.87
17,754.87
Profit Margin (%)
38
41
45
-2
- -
41
16
71
31
11
78
87
73
77
81
67
67
Working Capital
3
2
1
- -
- -
42
18
75
36
19
19
19
- -
- -
- -
- -
- -
LT Debt
126
153
158
161
162
1,153
1,820
2,186
2,561
2,736
4,825
7,413
9,426
10,817
11,963
13,073
13,073
Total Equity
2.89
4.32
1.96
0.9
0.24
0.57
0.31
- -
- -
0.35
- -
0.05
0.02
0.02
0.02
0.02
0.02
Return on Invested Capital (%)
3.17
2.01
2.36
3.62
6.42
12.26
20.4
- -
- -
19.04
- -
36.26
22.16
12.62
9.75
18.99
18.99
Return on Capital (%)
3.05
3.5
4.4
2.24
0.92
14.43
21.89
23.33
15.61
19.31
23.12
36.38
22.19
12.62
9.75
18.99
18.99
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10
- -
10
Market Capitalization
1,589
1,611
1,275

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
64
- -
67
Cash, Cash Equivalents & STI
2
- -
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
29.37%
23.09%
9.28%
Free Cash Flow
-27,555.48%
-7,033.61%
-199.29%
Net Income, GAAP
48.68%
17.62%
3.41%
Sales/Revenue/Turnover
-6.86%
2.27%
6.71%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1
1
1
1
5
2025
1
1
1
1
6
2026
1
2
2
2
6

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21.33
15.23
47.63
- -
116.45
2025
34.75
15.72
20.23
31.05
101.75
2026
36.74
22.88
26.09
19.51
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Available Finance Limited (AVAILFC.BO) operates as a non-banking financial company (NBFC) in India, providing a range of lending and investment services to retail and corporate customers. The company offers secured business loans, unsecured personal loans, vehicle financing, gold loans, and microfinance services through its digital platform and branch network; it also provides fixed deposits, mutual fund distribution, and insurance broking under brands like Available Gold Loan and Available Micro Credit. Headquartered in Mumbai, India, and founded in 1999, Available Finance Limited primarily serves underserved markets in rural and semi-urban regions across Maharashtra, Gujarat, Rajasthan, and Madhya Pradesh, with a focus on MSMEs and individual borrowers seeking quick-access financing solutions. In the last two years, the company expanded its operations through a strategic partnership with a leading digital payments provider to enhance loan disbursements via UPI, launched a new AI-driven credit assessment tool for faster approvals, and completed a INR 150 crore funding round from domestic venture funds to support nationwide branch growth. It acquired a regional microfinance player in 2024, bolstering its presence in central India, and reorganized its subsidiary structure to streamline gold loan and vehicle finance segments for improved regulatory compliance. These changes position Available Finance Limited for accelerated growth in the competitive Indian NBFC sector amid rising demand for alternative credit options.