Available FinanceBOM:531310 +0.20%72 Net Margin % is 12,820.03% as of Mar. 2026, which is 23% below its 10-year median of 16,564.75. 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 533 Credit Services companies, Available Finance ranks better than 99.62% on this metric.
The historical rank and industry rank for Available Finance's Net Margin % or its related term are showing as below:
BOM:531310'
s Net Margin % Range Over the Past 10 Years
Min: 1540.56 Med: 16564.75 Max: 32235.87
Current: 17754.87
BOM:531310's Net Margin % is ranked better than 99.62% of 533
companies
in the Credit Services industry
Industry Median: 14.74
vs BOM:531310: 17754.87
Available Finance (BOM:531310) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Available Finance Net Margin % Related Terms
Available Finance Net Margin % Historical Data
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The historical data trend for Available Finance's Net 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.
For the Credit Services subindustry, Available Finance's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Available Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Available Finance's Net 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 Net Margin % of 12,820.03% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Available Finance and its competitors. This is 23% below median its historical median of 16,564.75. Over the past decade, Available Finance's Net Margin % has ranged from 1,540.56 to 32,235.87. According to the industry distribution chart, Available Finance ranks #2 out of 533 companies in the Credit Services industry, placing it in the top 0.40000000000001%.
Is Available Finance's Net Margin % too high?
Available Finance's current Net Margin % of 12,820.03% is 23% below median its 10-year median of 16,564.75. Over the past 10 years, this metric has ranged from a low of 1,540.56 to a high of 32,235.87. The Credit Services industry median Net Margin % is 14.74. Available Finance's value of 12,820.03% is 86874.4% above this industry median. Based on the distribution chart, Available Finance ranks #2 out of 533 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Available Finance ranks #2 out of 533 companies for Net Margin %. This places Available Finance in the top 0% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.74. Available Finance's value of 12,820.03% is 86874.4% above this benchmark. Historically, Available Finance's own Net Margin % has ranged from 1,540.56 to 32,235.87 over the past decade. While the company's 10-year median is 16,564.75 vs. the industry median of 14.74, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.74, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Available Finance's current Net Margin % of 12,820.03% is 86874.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Available Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Available Finance's current Net Margin % is 12,820.03%, which is 23% below median its own 10-year median of 16,564.75. 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 Net Margin % is 12,820.03%, which is 23% below median its 10-year median of 16,564.75 and 86874.4% above the Credit Services industry median of 14.74. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Available Finance (BOM:531310), the current Net Margin % is 12,820.03% 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:
Net Margin %: 12,820.03% (23% below median its 10-year median of 16,564.75)
GF Value™: ₹200.95 vs. price of ₹150.70 (25% below fair value)
Industry Position: 86874.4% above the Credit Services median (#2 of 533)
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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