Available FinanceBOM:531310 +0.20%72 EBITDA Margin % is 57.37% as of Mar. 2026, which is 8% above its 10-year median of 53.08. 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. Among 414 Credit Services companies, Available Finance ranks better than 81.16% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Available Finance's EBITDA for the
three
months ended in Mar. 2026 was ₹0.89 Mil. Available Finance's Revenue for the
three
months ended in Mar. 2026 was ₹1.55 Mil. Therefore, Available Finance's EBITDA margin for the quarter that ended in Mar. 2026 was 57.37%.
Available Finance (BOM:531310) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Available Finance EBITDA Margin % Related Terms
Available Finance EBITDA Margin % Historical Data
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The historical data trend for Available Finance's EBITDA Margin % 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.
BOM:531310 vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Available Finance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Available Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Available Finance's EBITDA Margin % falls into.
* 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 (BOM:531310) has a EBITDA Margin % of 57.37% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Available Finance and its competitors. This is near median its historical median of 53.08. Over the past decade, Available Finance's EBITDA Margin % has ranged from 40.59 to 88.13. According to the industry distribution chart, Available Finance ranks #78 out of 414 companies in the Credit Services industry, placing it in the top 18.8%.
Is Available Finance's EBITDA Margin % too high?
Available Finance's current EBITDA Margin % of 57.37% is near median its 10-year median of 53.08. Over the past 10 years, this metric has ranged from a low of 40.59 to a high of 88.13. The Credit Services industry median EBITDA Margin % is 21.13. Available Finance's value of 57.37% is 171.5% above this industry median. Based on the distribution chart, Available Finance ranks #78 out of 414 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Available Finance ranks #78 out of 414 companies for EBITDA Margin %. This places Available Finance in the top 19% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 21.13. Available Finance's value of 57.37% is 171.5% above this benchmark. Historically, Available Finance's own EBITDA Margin % has ranged from 40.59 to 88.13 over the past decade. While the company's 10-year median is 53.08 vs. the industry median of 21.13, Available Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.13, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Available Finance's current EBITDA Margin % of 57.37% is 171.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Available Finance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Available Finance's current EBITDA Margin % is 57.37%, which is near median its own 10-year median of 53.08. 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 EBITDA Margin % is 57.37%, which is near median its 10-year median of 53.08 and 171.5% above the Credit Services industry median of 21.13. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Available Finance (BOM:531310), the current EBITDA Margin % is 57.37% 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:
EBITDA Margin %: 57.37% (near median its 10-year median of 53.08)
GF Value™: ₹200.95 vs. price of ₹150.70 (25% below fair value)
Industry Position: 171.5% above the Credit Services median (#78 of 414)
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 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
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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