Available Finance (BOM:531310) ROE % Adjusted to Book Value: 60.90% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:531310 Available Finance Ltd BOM:531310
72 GF Score
Price ₹148.05
GF Value ₹201.00
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Available Finance ROE % Adjusted to Book Value?

Available Finance BOM:531310 +1.09% 72 ROE % Adjusted to Book Value is 60.90% as of Mar. 2026. GuruFocus rates BOM:531310 with a GF Score™ of 72/100 and a GF Value™ of ₹201.00 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Available Finance's ROE % for the quarter that ended in Mar. 2026 was 6.09%. Available Finance's PB Ratio for the quarter that ended in Mar. 2026 was 0.10. Available Finance's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 60.90%.


Available Finance ROE % Adjusted to Book Value Related Terms


Available Finance ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Available Finance's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Available Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 189.72 146.07 55.90 53.65 85.80

Available Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 62.29 0.00 56.92 0.00 60.90

BOM:531310 vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Available Finance's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Available Finance's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Available Finance's ROE % Adjusted to Book Value falls into.


BOM:531310
72GF Score
Available Finance Ltd BOM:531310
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Available Finance ROE % Adjusted to Book Value Calculation

Available Finance's ROE % Adjusted to Book Value for the fiscal year that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.58% / 0.10
=85.80%

Available Finance's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=6.09% / 0.10
=60.90%

* 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.

What does a ROE % Adjusted to Book Value of 60.90% mean?
Available Finance (BOM:531310) has a ROE % Adjusted to Book Value of 60.90% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Available Finance and its competitors.
Is Available Finance's ROE % Adjusted to Book Value too high?
Available Finance's current ROE % Adjusted to Book Value is 60.90%. 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 ROE % Adjusted to Book Value compare to V and MA?
Available Finance's ROE % Adjusted to Book Value of 60.90% 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 ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Available Finance and its competitors. Available Finance's current ROE % Adjusted to Book Value is 60.90%. 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 ₹201.00, compared to a current price of ₹148.05 — trading 26.3% below its estimated fair value. The current ROE % Adjusted to Book Value is 60.90%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Available Finance (BOM:531310), the current ROE % Adjusted to Book Value is 60.90% 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 ₹148.05 is trading 26.3% below its estimated GF Value™ of ₹201.00. GuruFocus considers Available Finance to be Modestly Undervalued.

Key valuation signals for BOM:531310:

  • ROE % Adjusted to Book Value: 60.90%
  • GF Value™: ₹201.00 vs. price of ₹148.05 (26.3% 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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹148.05
Price
₹201.00
GF Value