Available Finance Ltd
Incorporated in 1993, Available Finance Ltd is in the business of loans and investment[1]
- Market Cap ₹ 166 Cr.
- Current Price ₹ 163
- High / Low ₹ 378 / 150
- Stock P/E 1.59
- Book Value ₹ 1,172
- Dividend Yield 0.00 %
- ROCE 0.03 %
- ROE 9.15 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Stock is trading at 0.14 times its book value
Cons
- 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 13.2% 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
Financial Services Financial Services Finance Other Financial Services
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Operating Profit | 3 | 2 | -1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| OPM % | 93% | 90% | -69% | 61% | 89% | 67% | 65% | 66% | 53% | 53% | 47% |
| -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 3 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 0 | 0 | -1 | -0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax % | 41% | 32% | -1% | 50% | 2% | 0% | 22% | 33% | 21% | 23% | |
| 8 | 30 | 44 | 35 | 49 | 85 | 209 | 172 | 119 | 104 | 106 | |
| EPS in Rs | 8.18 | 29.42 | 43.27 | 34.59 | 48.18 | 83.28 | 204.78 | 168.74 | 116.45 | 102.13 | 104.11 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | -13% |
| 3 Years: | -6% |
| TTM: | 2% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 16% |
| 3 Years: | -21% |
| TTM: | -20% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 50% |
| 5 Years: | 107% |
| 3 Years: | -14% |
| 1 Year: | -55% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 13% |
| Last Year: | 9% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
| Reserves | 105 | 172 | 208 | 246 | 263 | 472 | 731 | 932 | 1,072 | 1,186 |
| 19 | 7 | 7 | 4 | 2 | 2 | 2 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Total Liabilities | 135 | 189 | 226 | 260 | 275 | 484 | 743 | 943 | 1,082 | 1,196 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 115 | 182 | 219 | 257 | 275 | 477 | 736 | 937 | 1,076 | 1,190 |
| 19 | 8 | 6 | 3 | 1 | 7 | 8 | 6 | 6 | 7 | |
| Total Assets | 135 | 189 | 226 | 260 | 275 | 484 | 743 | 943 | 1,082 | 1,196 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -0 | -0 | 0 | 4 | 3 | -6 | -1 | 2 | 0 | 0 | |
| 0 | 0 | 0 | 0 | -1 | 6 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | -4 | -2 | 0 | 0 | -2 | 0 | 0 | |
| Net Cash Flow | -0 | -0 | 0 | 0 | -0 | 0 | -1 | 0 | 0 | 0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||
| Days Payable | ||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | 453 | 287 | 192 | 261 | 192 | 425 | 90 | -18 | -20 | 96 |
| ROCE % | 1% | -0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Documents
Announcements
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
6 Oct - Submission of Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 30, 2025
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Appointment Of Secretarial Auditor Of The Company
2 Oct - M/s Ishan Jain & Co appointed secretarial auditors for five years from Sept 30, 2025 to 2030.
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Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/s
2 Oct - M/s SAP Jain & Associates appointed statutory auditors for five-year term from 33rd AGM (30 Sep 2025) to 2030, replacing retiring auditors.
- Shareholder Meeting / Postal Ballot-Outcome of AGM 2 Oct
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Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
2 Oct - 33rd AGM on 30 Sep 2025: Financials approved; director and auditors reappointed; related-party transactions approved.
Annual reports
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Financial Year 2025
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Financial Year 2024
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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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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.