Announcement
Announcement under Regulation 30 (LODR)-Change in Directorate 11 Sep - 34th AGM confirmed appointments of Pramod Shrivastava, Sahaj Jain and Manish Chandan as directors.
Source: Bse
Available Finance Limited (AVAILFC)
Small CapFinancial Services stocks · Small cap · NSE
Available Finance Limited operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
Data qualityUse with cautionQuote updated 03 Jun, 05:30 am ISTDetails
Quote03 Jun, 05:30 am IST
Base fundamentals18 Sept 2026 · screener
Latest result14 Aug, 06:07 pm IST
Score20 Sept, 04:30 am IST · v4.3-runtime-valuation
Tags20 Sept 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
52Neutrallabel neutral
Stock trend: 55
Sector RS: 49
Sector 3M: -5.1% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
AVAILFCD candles · FIT view+2.7%Latest close ₹157.73 on 2026-06-03
Daily history is available from 2026-04-20; the requested 1Y window is partially covered.
Bar
-1.4%
RSI
54
MACD hist
-
52W pos
38%
2026-06-03O ₹160.00H ₹161.50L ₹155.70C ₹157.73Vol 2,473 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
AVAILFCNifty Financial ServicesNifty 500
- AVAILFC
- +2.7%
- Nifty 500
- -1.8%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- +4.5 pp
Chart stats
3 Jun 2026- From 52W high
- -11.4%
- 52W range position
- 38%
- ATR (14)
- 5.1%
- Volume vs 20D
- 0.61x
- Avg traded value
- ₹0.1 Cr
- 20D price channel
- ₹145.1 - ₹164.4
₹178
₹145.1 - ₹178
₹8.1
Latest completed session
20-session average
31.2% annualized volatility
Research snapshot
What the evidence says now
Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend is neutral, and recent execution is weak.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · FAIR VALUE51
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
pending—
No classified quarterly result is available yet.
Technical
Neutral52
Price trend and sector-relative-strength timing.
Valuation
Legacy model+91.2%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence66
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarterly result analysis pending
No classified quarterly result is available yet. Financial-history charts below may still contain upstream data.
Fundamentals
Valuation
- P/E
- 0.97
- P/B
- 0.11
- EV/EBITDA
- —
- Market Cap
- 143.00Cr
Profitability
- ROE
- 8.57%
- ROCE
- 0.02%
- ROA
- 11.25%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- 2.00%
- EPS 5Y
- 5.00%
- Revenue 3Y
- -1.00%
- EPS 3Y
- -15.00%
Balance Sheet
- Debt/Equity
- 0.00
- Interest Coverage
- —
- Altman Z
- 7.75
- Book Value
- 1281.00
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 3/5
- OCF
- —
- EPS TTM
- 144.21
Shareholding
- Promoter Hold
- 65.53%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 32%
Financial History
Updated 22/10/2026
Revenue
₹ CrLatest: 0.0
Net Profit
₹ CrLatest: 77.0+285.0% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
NeutralTrend is undirectional — long-term trend unclear. RSI 54.
- RSI(14) at 54 — falling, no extreme reading.
- 11% off 52W high · 9% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Valuation & peers
U-Score 51 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Valuation & peers
U-Score 51 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Deep Value
Fundamental score breakdown
U band · FAIR VALUEValuation30/30
Growth13/25
Quality0/20
Balance Sheet11/15
Cash Flow2/10
Piotroski
6/9 (+3)
Penalties
-8
Raw sum
51
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
51/100 · legacy band FAIR VALUE
Positive drivers
- Fair-value margin of safety is positive at 91.2%.
- Valuation contributes 30/30 to the score.
- Balance sheet contributes 11/15 to the score.
Main drags
- Penalty bucket subtracts 8 points.
- Quality is weaker at 0/20; verify the latest quarterly trend.
- Cash flow is weaker at 2/10; verify the latest quarterly trend.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
1.0
PB
0.1
EV/EBITDA
—
ROE
8.6%
ROCE
0.0%
FCF Yield
—
Debt/Equity
0.0
MoS
+91.2%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 20 Sept 2026
v4.3-runtime-valuation
Final score
51
Previous: 51
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
+91.2%
Previous: +91.2%
Score history
12 stored score snapshots. Latest stored move: +0 points.
20 Sept 2026
v4.3-runtime-valuation
51
51
51
51
51
51
51
51
51
51
51
51
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹2,038.75
+92.3% MoS
Growth-justified P/E
12.3
Growth-justified Value
₹1,776.67
+91.2% MoS
PEG
0.19
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
BAIDFIN
Small
Baid Finserv Limited
NBFC
match 169
42
11.0
7.3%
+63%
WATCHLIST
HYBRIDFIN
Small
Hybrid Financial Services Limited
NBFC
match 165
53
20.1
6.5%
+30%
FAIR VALUE
CPCAP
Small
CP Capital Limited
NBFC
match 161
60
6.4
7.6%
+77%
UNDERVALUED
DCMFINSERV
Small
DCM Financial Services Limited
NBFC
match 160
15
—
—
—
OVERVALUED
IBLFL
SME
IBL Finance Ltd.
NBFC
match 155
14
60.3
4.1%
-146%
OVERVALUED
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Available Finance Limited operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed does not yet contain a classified quarter. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
66Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 49th percentile of the scored universe and 62nd percentile within Financial Services. Main check: financial discipline is weak at 48/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
4 docs text-extracted · 0 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
49th percentile
overall median 67 · Financial Services: 62nd pctile, median 62 · Small: 54th pctile, median 66
Evidence depth
Financial-only
4 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Acceptable, but check the weakest sub-score before increasing exposure.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
86
strong · holding, pledge, alignment
Cash flow
55
watch · profit to cash conversion
Balance sheet
88
strong · leverage and solvency
Discipline
48
watch · capital discipline
Results
50
watch · quarterly consistency
Trust positives
- ▸Promoter holding is 65.5%.
- ▸Promoter pledge is zero.
- ▸Debt/equity is 0.00.
- ▸3/4 latest quarters had positive YoY PAT growth.
Trust risks
- ▸ROCE is low at 0%.
- ▸1 of the latest 4 quarters had PAT decline worse than 25% YoY.
- ▸OPM spread across recent quarters is 34%.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Available Finance Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Annual reportAug 2026
Aug 2026 · Dispatch Of Letters To The Shareholders Of The Company Whose Email Address Are Not Registered With The Company/Registrar & Share Transfer Agent/Depository Participants 17 Aug - AGM notice and 34th annual report dispatched to shareholders on 17 August 2026.
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 18 Aug - Intimation of Newspaper Publication w.r.t Notice of 34th Annual General Meeting of the Company
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 15 Aug - Submission of Advertisement regarding Pre Dispatch of Notice of 34th Annual General Meeting of the Company
Source: Bse
Annual report
Annual Report 2026 from bse
Source: Bse
Annual report
Annual Report 2025 from bse
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.