Available Finance Ltd
₹ 238
-0.50%
24 Apr
2:31 p.m.
About
Incorporated in 1993, Available Finance Ltd is in the business of loans and investment[1]
Key Points
- Market Cap ₹ 243 Cr.
- Current Price ₹ 238
- High / Low ₹ 471 / 179
- Stock P/E 1,056
- Book Value ₹ 20.0
- Dividend Yield 0.00 %
- ROCE 1.58 %
- ROE 1.26 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
Cons
- Stock is trading at 12.0 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 -0.36% over past five years.
- Company has a low return on equity of 1.48% 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
Sector: Finance Industry: Finance & Investments
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.80 | 1.51 | 2.43 | 3.29 | 1.97 | 0.97 | 0.56 | 1.14 | 0.55 | 0.69 | 0.61 | 0.55 | 0.56 | |
| 0.18 | 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 | 1.62 | 1.31 | 2.21 | 3.07 | 1.75 | -0.67 | 0.34 | 1.01 | 0.37 | 0.45 | 0.40 | 0.29 | 0.29 |
| OPM % | 90.00% | 86.75% | 90.95% | 93.31% | 88.83% | -69.07% | 60.71% | 88.60% | 67.27% | 65.22% | 65.57% | 52.73% | 51.79% |
| 0.00 | 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 | 0.85 | 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 | 0.05 | 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 | 0.72 | 0.38 | 0.13 | 0.22 | 0.25 | -1.42 | -0.02 | 0.98 | 0.37 | 0.45 | 0.33 | 0.29 | 0.29 |
| Tax % | 30.56% | 28.95% | 0.00% | 40.91% | 32.00% | -1.41% | 50.00% | 2.04% | 0.00% | 22.22% | 33.33% | 20.69% | |
| 0.50 | 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 | 0.49 | 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: | -10% |
| 5 Years: | 0% |
| 3 Years: | 0% |
| TTM: | 8% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -2% |
| 5 Years: | 57% |
| 3 Years: | -15% |
| TTM: | 28% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 52% |
| 5 Years: | % |
| 3 Years: | 12% |
| 1 Year: | 5% |
| 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 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 10.20 |
| Reserves | 5.63 | 5.91 | 6.02 | 6.16 | 6.33 | 4.93 | 5.34 | 6.02 | 6.54 | 7.43 | 7.98 | 8.27 | 10.21 |
| 11.81 | 14.02 | 22.32 | 19.06 | 7.26 | 7.47 | 3.65 | 1.90 | 1.90 | 1.90 | 0.00 | 0.00 | 0.00 | |
| 0.32 | 0.22 | 0.22 | 0.28 | 0.19 | 0.09 | 0.06 | 0.01 | 0.03 | 0.08 | 0.07 | 0.18 | 0.36 | |
| Total Liabilities | 27.96 | 30.35 | 38.76 | 35.70 | 23.98 | 22.69 | 19.25 | 18.13 | 18.67 | 19.61 | 18.25 | 18.65 | 20.77 |
| 0.37 | 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 | 0.00 |
| Investments | 11.01 | 16.01 | 16.04 | 16.04 | 16.29 | 16.29 | 16.70 | 17.35 | 11.33 | 11.88 | 12.19 | 12.35 | 14.39 |
| 16.58 | 14.02 | 22.49 | 19.49 | 7.69 | 6.40 | 2.55 | 0.78 | 7.34 | 7.73 | 6.06 | 6.30 | 6.38 | |
| Total Assets | 27.96 | 30.35 | 38.76 | 35.70 | 23.98 | 22.69 | 19.25 | 18.13 | 18.67 | 19.61 | 18.25 | 18.65 | 20.77 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.07 | 5.03 | 0.05 | -0.06 | -0.16 | 0.00 | 3.94 | 2.59 | -5.69 | -0.55 | 1.90 | 0.00 | |
| 0.03 | -4.97 | 0.00 | 0.03 | 0.15 | 0.00 | 0.00 | -0.94 | 6.19 | 0.04 | 0.00 | 0.00 | |
| -0.10 | -0.07 | 0.00 | 0.00 | 0.00 | 0.00 | -3.82 | -1.75 | 0.00 | 0.00 | -1.90 | 0.00 | |
| Net Cash Flow | 0.00 | -0.01 | 0.05 | -0.04 | -0.01 | 0.00 | 0.12 | -0.10 | 0.49 | -0.51 | 0.00 | 0.00 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 3,297.17 | 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 |
| ROCE % | 6.19% | 4.36% | 6.17% | 8.14% | 5.81% | -2.85% | 1.63% | 5.41% | 2.01% | 2.36% | 2.12% | 1.58% |
Documents
Announcements
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Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A
2d - Company confirms non-applicability of Large Corporate criteria for FY 2024-25 as per SEBI circular.
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
2 Apr - Submission of certificate under SEBI regulations for Q1 2025.
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Closure of Trading Window
24 Mar - Closure of trading window for financial results.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
16 Feb - Paper publication of the unaudited standalone and consolidated financial results of the Company for the quarter/nine months ended December 31, 2024
-
Integrated Filing (Financial)
14 Feb - Submission of unaudited financial results for Q3 2024.
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
from bse
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.