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Available FinanceBOM:531310 +1.05%72 PS Ratio is 227.28 as of Aug. 12, 2026, which is 79% above its 10-year median of 127.17. GuruFocus rates BOM:531310 with a GF Score™ of 72/100 and a GF Value™ of ₹201.10 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 524 Credit Services companies, Available Finance ranks worse than 99.24% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Available Finance's share price is ₹134.55.
Available Finance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0.59. Hence, Available Finance's PS Ratio for today is 227.28.
Good Sign:
Available Finance Ltd stock PS Ratio (=229.17) is close to 3-year low of 216.34.
The historical rank and industry rank for Available Finance's PS Ratio or its related term are showing as below:
BOM:531310'
s PS Ratio Range Over the Past 10 Years
Min: 1.05 Med: 127.17 Max: 815.01
Current: 227.27
During the past 13 years, Available Finance's highest PS Ratio was 815.01. The lowest was 1.05. And the median was 127.17.
BOM:531310's PS Ratio is ranked worse than 99.24% of 524
companies
in the Credit Services industry
Industry Median: 2.89
vs BOM:531310: 227.27
During the past 12 months, the average Revenue per Share Growth Rate of Available Finance was 6.80% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 0.90% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -0.10% per year.
During the past 10 years, the average Revenue per Share Growth Rate was -13.10% per year.
During the past 13 years, Available Finance's highest 3-Year average Revenue per Share Growth Rate was 45.10% per year. The lowest was -45.40% per year. And the median was 1.35% per year.
Available Finance (BOM:531310) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Available Finance PS Ratio Related Terms
Available Finance PS Ratio Historical Data
* Premium members only.
The historical data trend for Available Finance's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Available Finance's PS Ratio distribution charts can be found below:
* The bar in red indicates where Available Finance's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Available Finance's Share Price of today is ₹134.55. Available Finance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0.59.
* 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.
It can also be calculated from the numbers for the whole company:
Available Finance (BOM:531310) has a PS Ratio of 227.28 as of Aug. 12, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Available Finance and its competitors. This is 79% above median its historical median of 127.17. Over the past decade, Available Finance's PS Ratio has ranged from 1.05 to 815.01. According to the industry distribution chart, Available Finance ranks #520 out of 524 companies in the Credit Services industry, placing it in the top 99.2%.
Is Available Finance's PS Ratio too high?
Available Finance's current PS Ratio of 227.28 is 79% above median its 10-year median of 127.17. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 815.01. The Credit Services industry median PS Ratio is 2.89. Available Finance's value of 227.28 is 7764.4% above this industry median. Based on the distribution chart, Available Finance ranks #520 out of 524 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Available Finance has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Available Finance's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Available Finance ranks #520 out of 524 companies for PS Ratio. This places Available Finance in the lower half of its industry. The industry median PS Ratio is 2.89. Available Finance's value of 227.28 is 7764.4% above this benchmark. Historically, Available Finance's own PS Ratio has ranged from 1.05 to 815.01 over the past decade. While the company's 10-year median is 127.17 vs. the industry median of 2.89, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.89, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Available Finance's current PS Ratio of 227.28 is 7764.4% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Available Finance and its competitors. For the Credit Services industry, the median PS Ratio is 2.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Available Finance's current PS Ratio is 227.28, which is 79% above median its own 10-year median of 127.17. 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 Possible Value Trap. The stock's GF Value™ is ₹201.10, compared to a current price of ₹134.55 — trading 33.1% below its estimated fair value. The current PS Ratio is 227.28, which is 79% above median its 10-year median of 127.17 and 7764.4% above the Credit Services industry median of 2.89. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Available Finance (BOM:531310), the current PS Ratio is 227.28 as of Aug. 12, 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 ₹134.55 is trading 33.1% below its estimated GF Value™ of ₹201.10.
GuruFocus considers Available Finance to be Possible Value Trap.
Key valuation signals for BOM:531310:
PS Ratio: 227.28 (79% above median its 10-year median of 127.17)
GF Value™: ₹201.10 vs. price of ₹134.55 (33.1% below fair value)
Industry Position: 7764.4% above the Credit Services median (#520 of 524)
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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