Available Finance Ltd
₹ 203
-2.03%
12 Jun
- close price
About
Incorporated in 1993, Available Finance Ltd is in the business of loans and investment[1]
Key Points
- Market Cap ₹ 207 Cr.
- Current Price ₹ 203
- High / Low ₹ 471 / 179
- Stock P/E 899
- Book Value ₹ 18.4
- Dividend Yield 0.00 %
- ROCE 1.61 %
- ROE 1.23 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
Cons
- Stock is trading at 11.0 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- The company has delivered a poor sales growth of -12.9% over past five years.
- Company has a low return on equity of 1.22% over last 3 years.
- Working capital days have increased from 19.4 days to 96.0 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.51 | 2.43 | 3.29 | 1.97 | 0.97 | 0.56 | 1.14 | 0.55 | 0.69 | 0.61 | 0.55 | 0.57 | |
| 0.20 | 0.22 | 0.22 | 0.22 | 1.64 | 0.22 | 0.13 | 0.18 | 0.24 | 0.21 | 0.26 | 0.27 | |
| Operating Profit | 1.31 | 2.21 | 3.07 | 1.75 | -0.67 | 0.34 | 1.01 | 0.37 | 0.45 | 0.40 | 0.29 | 0.30 |
| OPM % | 86.75% | 90.95% | 93.31% | 88.83% | -69.07% | 60.71% | 88.60% | 67.27% | 65.22% | 65.57% | 52.73% | 52.63% |
| 0.00 | 0.01 | -0.05 | 0.05 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Interest | 0.88 | 2.00 | 2.74 | 1.50 | 0.76 | 0.36 | 0.03 | 0.00 | 0.00 | 0.07 | 0.00 | 0.00 |
| Depreciation | 0.05 | 0.09 | 0.06 | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.38 | 0.13 | 0.22 | 0.25 | -1.42 | -0.02 | 0.98 | 0.37 | 0.45 | 0.33 | 0.29 | 0.30 |
| Tax % | 28.95% | 0.00% | 40.91% | 32.00% | -1.41% | 50.00% | 2.04% | 0.00% | 22.22% | 33.33% | 20.69% | 23.33% |
| 0.28 | 0.12 | 0.14 | 0.17 | -1.40 | -0.03 | 0.96 | 0.37 | 0.35 | 0.21 | 0.23 | 0.23 | |
| EPS in Rs | 0.27 | 0.12 | 0.14 | 0.17 | -1.37 | -0.03 | 0.94 | 0.36 | 0.34 | 0.21 | 0.23 | 0.23 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -14% |
| 5 Years: | -13% |
| 3 Years: | -6% |
| TTM: | 4% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | -25% |
| 3 Years: | -13% |
| TTM: | 0% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 50% |
| 5 Years: | % |
| 3 Years: | 7% |
| 1 Year: | -27% |
| Return on Equity | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 2% |
| 3 Years: | 1% |
| Last Year: | 1% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10.20 | 10.20 | 10.20 | 10.20 | 10.20 | 10.20 | 10.20 | 10.20 | 10.20 | 10.20 | 10.20 | 10.20 |
| Reserves | 5.91 | 6.02 | 6.16 | 6.33 | 4.93 | 5.34 | 6.02 | 6.54 | 7.43 | 7.98 | 8.27 | 8.62 |
| 14.02 | 22.32 | 19.06 | 7.26 | 7.47 | 3.65 | 1.90 | 1.90 | 1.90 | 0.00 | 0.00 | 0.00 | |
| 0.22 | 0.22 | 0.28 | 0.19 | 0.09 | 0.06 | 0.01 | 0.03 | 0.08 | 0.07 | 0.18 | 0.21 | |
| Total Liabilities | 30.35 | 38.76 | 35.70 | 23.98 | 22.69 | 19.25 | 18.13 | 18.67 | 19.61 | 18.25 | 18.65 | 19.03 |
| 0.32 | 0.23 | 0.17 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 16.01 | 16.04 | 16.04 | 16.29 | 16.29 | 16.70 | 17.35 | 11.33 | 11.88 | 12.19 | 12.35 | 12.49 |
| 14.02 | 22.49 | 19.49 | 7.69 | 6.40 | 2.55 | 0.78 | 7.34 | 7.73 | 6.06 | 6.30 | 6.54 | |
| Total Assets | 30.35 | 38.76 | 35.70 | 23.98 | 22.69 | 19.25 | 18.13 | 18.67 | 19.61 | 18.25 | 18.65 | 19.03 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5.03 | 0.05 | -0.06 | -0.16 | 0.00 | 3.94 | 2.59 | -5.69 | -0.55 | 1.90 | 0.00 | 0.09 | |
| -4.97 | 0.00 | 0.03 | 0.15 | 0.00 | 0.00 | -0.94 | 6.19 | 0.04 | 0.00 | 0.00 | 0.00 | |
| -0.07 | 0.00 | 0.00 | 0.00 | 0.00 | -3.82 | -1.75 | 0.00 | 0.00 | -1.90 | 0.00 | 0.00 | |
| Net Cash Flow | -0.01 | 0.05 | -0.04 | -0.01 | 0.00 | 0.12 | -0.10 | 0.49 | -0.51 | 0.00 | 0.00 | 0.08 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | 3,333.34 | 3,301.52 | 2,064.64 | 1,300.66 | 2,250.21 | 260.71 | 192.11 | 424.73 | 89.93 | -17.95 | -19.91 | 96.05 |
| ROCE % | 4.36% | 6.17% | 8.14% | 5.81% | -2.85% | 1.63% | 5.41% | 2.01% | 2.36% | 2.12% | 1.58% | 1.61% |
Documents
Announcements
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Intimation Of Dispatch Of KYC Letters To The Shareholders Of The Company
9 Jun - Dispatch of KYC letters to shareholders for mandatory PAN, bank details, and nomination as per SEBI circular.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
30 May - Submission of Published Standalone and Consolidated Financial Results of the Company for the Quarter/Financial Year ended March 31, 2025
- Financial Results For The Quarter/Financial Year Ended March 31, 2025 29 May
-
Board Meeting Outcome for Outcomes Of Board Meeting
29 May - Approved audited standalone and consolidated financial results for year ended March 31, 2025.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
27 May - Annual Secretarial Compliance Report filed; minor lapse in insurance policy renewal noted.
Annual reports
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Business Overview:[1][2][3]
Agarwal Finance Ltd (AFL) operates under the flagship of the Agarwal Group. Initially registered as a Non-Systematically Important Non-Deposit Taking NBFC and Investment & Loan Company, it now functions as an unregistered Non-Deposit Taking Core Investment Company.
AFL primarily serves as a holding company with investments in associate and group companies. It extends secured and unsecured loans to individuals and corporate bodies and is also engaged in acquiring, holding, and dealing in various securities including shares, stocks, debentures, and bonds.