Available Finance (BOM:531310) E10: ₹107.03 (As of Mar. 2026)


BOM:531310 Available Finance Ltd BOM:531310
72 GF Score
Price ₹150.70
GF Value ₹200.95
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Available Finance E10?

Available Finance BOM:531310 +0.20% 72 E10 is ₹107.03 as of Mar. 2026. GuruFocus rates BOM:531310 with a GF Score™ of 72/100 and a GF Value™ of ₹200.95 (Modestly Undervalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Available Finance's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹19.510. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹107.03 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Available Finance's average E10 Growth Rate was 16.40% per year. During the past 3 years, the average E10 Growth Rate was 17.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Available Finance was 17.70% per year. The lowest was 17.70% per year. And the median was 17.70% per year.

As of today (2026-07-12), Available Finance's current stock price is ₹150.70. Available Finance's E10 for the quarter that ended in Mar. 2026 was ₹107.03. Available Finance's Shiller PE Ratio of today is 1.41.

During the past 13 years, the highest Shiller PE Ratio of Available Finance was 5.27. The lowest was 1.23. And the median was 2.32.


Available Finance  (BOM:531310) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Available Finance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=150.70/107.03
=1.41

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Available Finance was 5.27. The lowest was 1.23. And the median was 2.32.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Available Finance E10 Related Terms


Available Finance E10 Historical Data

* Premium members only.

The historical data trend for Available Finance's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Available Finance E10 Chart

Available Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 65.72 78.95 91.92 107.03

Available Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 91.92 97.06 101.00 104.35 107.03

BOM:531310 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Available Finance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Available Finance Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Available Finance's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Available Finance's Shiller PE Ratio falls into.


BOM:531310
72GF Score
Available Finance Ltd BOM:531310
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Available Finance E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Available Finance's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=19.51/164.2724*164.2724
=19.510

Current CPI (Mar. 2026) = 164.2724.

Available Finance Quarterly Data

per share eps CPI Adj_EPS
201409 0.030 96.780 0.051
201412 0.040 96.780 0.068
201503 0.010 97.163 0.017
201506 0.040 99.841 0.066
201509 0.070 101.753 0.113
201512 0.050 102.901 0.080
201603 8.020 102.518 12.851
201703 0.000 105.196 0.000
201803 0.000 109.786 0.000
201809 6.750 115.142 9.630
201812 -0.020 115.142 -0.029
201903 34.599 118.202 48.084
201906 20.480 120.880 27.832
201909 9.030 123.175 12.043
201912 18.670 126.235 24.296
202003 0.010 124.705 0.013
202006 8.560 127.000 11.072
202009 11.710 130.118 14.784
202012 26.720 130.889 33.535
202103 36.290 131.771 45.241
202106 48.040 134.084 58.856
202109 57.730 135.847 69.810
202112 36.140 138.161 42.970
202203 62.870 138.822 74.396
202206 87.630 142.347 101.127
202209 16.860 144.661 19.146
202212 26.510 145.763 29.876
202303 37.750 146.865 42.224
202306 21.330 150.280 23.316
202309 15.230 151.492 16.515
202312 47.630 152.924 51.164
202403 32.250 153.035 34.618
202406 34.750 155.789 36.642
202409 15.720 157.882 16.356
202412 20.230 158.323 20.990
202503 31.050 157.552 32.375
202506 36.740 159.755 37.779
202509 22.880 162.289 23.160
202512 26.090 163.281 26.248
202603 19.510 164.272 19.510

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹107.03 mean?
Available Finance (BOM:531310) has a E10 of ₹107.03 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Available Finance and its competitors.
Is Available Finance's E10 too high?
Available Finance's current E10 is ₹107.03. Overall, Available Finance has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Available Finance's E10 compare to V and MA?
Available Finance's E10 of ₹107.03 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Available Finance and its competitors. Available Finance's current E10 is ₹107.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Available Finance stock overvalued right now?
Based on GuruFocus' analysis, Available Finance (BOM:531310) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹200.95, compared to a current price of ₹150.70 — trading 25% below its estimated fair value. The current E10 is ₹107.03. Available Finance's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Available Finance (BOM:531310), the current E10 is ₹107.03 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Available Finance (BOM:531310) Overvalued in 2026?

Based on GuruFocus' analysis, Available Finance stock appears to be undervalued. The current stock price of ₹150.70 is trading 25% below its estimated GF Value™ of ₹200.95. GuruFocus considers Available Finance to be Modestly Undervalued.

Key valuation signals for BOM:531310:

  • E10: ₹107.03
  • GF Value™: ₹200.95 vs. price of ₹150.70 (25% below fair value)
  • GF Score™: 72/100 with 4 warning signs

No single metric tells the full story. See the BOM:531310 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Available Finance Business Description

Address 5, Yeshwant Colony, Agarwal House, Indore, MP, IND, 452003
Available Finance Ltd operates as a non-banking financial company focused on lending and investment services. The company offers finance for acquiring, holding, selling, and buying shares, stocks, debentures, bonds, mortgages, and other securities. While the company was registered under the Reserve Bank of India as a non-banking finance company, it has since transitioned to functioning as an unregistered core investment company as per RBI guidelines. Its revenue comes from lending, investment activities, and leasing services. The company serves its clients mainly through its presence in Indore and across India.
72GF Score

Get the complete analysis for BOM:531310

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹150.70
Price
₹200.95
GF Value