Available Finance Ltd
Incorporated in 1993, Available Finance Ltd is in the business of loans and investment[1]
- Market Cap ₹ 144 Cr.
- Current Price ₹ 141
- High / Low ₹ 178 / 122
- Stock P/E 0.98
- Book Value ₹ 1,281
- Dividend Yield 0.00 %
- ROCE 0.02 %
- ROE 8.57 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Stock is trading at 0.11 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 1.76% over past five years.
- Company has a low return on equity of 9.69% over last 3 years.
* 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 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Operating Profit | 3 | 2 | -1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| OPM % | 93% | 90% | -69% | 61% | 89% | 67% | 65% | 66% | 53% | 53% | 52% | 59% |
| -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 3 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 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 | 0 |
| Tax % | 41% | 32% | -1% | 50% | 2% | 0% | 22% | 33% | 21% | 23% | 29% | |
| 8 | 30 | 44 | 35 | 49 | 85 | 209 | 172 | 119 | 104 | 107 | 147 | |
| EPS in Rs | 8.18 | 29.42 | 43.27 | 34.59 | 48.18 | 83.28 | 204.78 | 168.74 | 116.45 | 101.76 | 105.22 | 144.21 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -16% |
| 5 Years: | 2% |
| 3 Years: | -1% |
| TTM: | 7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 29% |
| 5 Years: | 5% |
| 3 Years: | -15% |
| TTM: | 39% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 40% |
| 5 Years: | 13% |
| 3 Years: | 2% |
| 1 Year: | -16% |
| Return on Equity | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 15% |
| 3 Years: | 10% |
| 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 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
| Reserves | 105 | 172 | 208 | 246 | 263 | 472 | 731 | 932 | 1,072 | 1,188 | 1,297 |
| 19 | 7 | 7 | 4 | 2 | 2 | 2 | 0 | 0 | 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 | 1,199 | 1,307 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 115 | 182 | 219 | 257 | 275 | 477 | 736 | 937 | 1,076 | 1,192 | 1,301 |
| 19 | 8 | 6 | 3 | 1 | 7 | 8 | 6 | 6 | 7 | 7 | |
| Total Assets | 135 | 189 | 226 | 260 | 275 | 484 | 743 | 943 | 1,082 | 1,199 | 1,307 |
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 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| -0 | -0 | 0 | 4 | 3 | -6 | -1 | 2 | 0 | 0 | -0 | |
| 0 | 0 | 0 | 0 | -1 | 6 | 0 | 0 | 0 | 0 | -0 | |
| 0 | 0 | 0 | -4 | -2 | 0 | 0 | -2 | 0 | 0 | 0 | |
| Net Cash Flow | -0 | -0 | 0 | 0 | -0 | 0 | -1 | 0 | 0 | 0 | -0 |
| Free Cash Flow | -0 | -0 | 0 | 4 | 3 | -6 | -1 | 2 | 0 | 0 | -0 |
| CFO/OP | 1% | -4% | 3% | 1,162% | 258% | -1,538% | -109% | 500% | 28% | 53% | 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 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 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 | 0 |
| Working Capital Days | 453 | 287 | 192 | 261 | 192 | 425 | 90 | -18 | -20 | 96 | -36 |
| ROCE % | 1% | -0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Insights
In beta| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| Number of Associate Companies count ・Standalone data |
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| Number of Permanent Employees count ・Standalone data |
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| Shareholding in Agarwal Coal Corporation % ・Standalone data |
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| Shareholding in Agarwal Fuel Corporation % ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- Intimation of Newspaper Publication w.r.t Notice of 34th Annual General Meeting of the Company
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Dispatch Of Letters To The Shareholders Of The Company Whose Email Address Are Not Registered With The Company/Registrar & Share Transfer Agent/Depository Participants
- AGM notice and 34th annual report dispatched to shareholders on 17 August 2026.
- Reg. 34 (1) Annual Report.
-
Submission Of Notice Of 34Th Annual General Meeting Of The Company To Be Held On September 9, 2026
- 34th AGM on 9 Sep 2026 to approve financials, director appointments, and related-party transactions up to ₹1 crore.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
- Submission of Advertisement regarding Pre Dispatch of Notice of 34th Annual General Meeting of the Company
Annual reports
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Annual Report 2026
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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Annual Report 2014
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Annual Report 2013
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Annual Report 2012
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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.