Share Price and Basic Stock Data
Last Updated: January 24, 2026, 3:38 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Arman Financial Services Ltd, operating in the Non-Banking Financial Company (NBFC) sector, reported a current price of ₹1,518 with a market capitalization of ₹1,596 Cr. The company has demonstrated a consistent upward trend in revenue, which rose from ₹92.65 Cr in September 2022 to ₹160.33 Cr in September 2023, reflecting a year-on-year growth of approximately 73.1%. The revenue for the trailing twelve months (TTM) stood at ₹674 Cr, with projections for the fiscal year ending March 2025 reaching ₹730 Cr. This indicates a compound annual growth rate (CAGR) that outpaces typical sector growth rates, suggesting robust operational performance. The financing profit for the latest quarter was reported at ₹58.85 Cr, exhibiting a healthy financing margin of 36.71%. However, the company has also faced challenges, as evidenced by fluctuating expenses which increased significantly to ₹42.02 Cr in December 2023, highlighting the need for effective cost management strategies.
Profitability and Efficiency Metrics
Profitability metrics for Arman Financial Services reveal a mixed performance. The net profit for the fiscal year ending March 2025 is reported at ₹52 Cr, down from ₹174 Cr in the previous year, indicating a decline in profitability. The earnings per share (EPS) for March 2025 stood at ₹49.67, a significant decrease from ₹195.00 in March 2024. The return on equity (ROE) for the current fiscal year is reported at 6.17%, a stark contrast to the previous year’s 30%. The interest coverage ratio (ICR) is relatively low at 1.30x, posing concerns about the company’s ability to cover its interest obligations comfortably. Additionally, the net profit margin declined to 7.13% in March 2025 from 26.24% in March 2024, reflecting pressures on profitability. Despite these challenges, the company’s return on capital employed (ROCE) remains strong at 13.3%, indicating effective utilization of capital in generating profits.
Balance Sheet Strength and Financial Ratios
Arman Financial Services’ balance sheet showcases a total liabilities figure of ₹2,227 Cr against total assets of ₹2,227 Cr, signifying a balanced financial structure. The company holds reserves of ₹862 Cr, which can be leveraged for future growth or to cushion against potential downturns. The total debt to equity ratio is reported at 1.41x, suggesting a moderate use of leverage, while the long-term debt remains at 0.00, indicating no reliance on long-term borrowings. The price-to-book value (P/BV) ratio stands at 1.55x, which is within a reasonable range compared to typical sector averages. However, the current ratio of 1.61 and quick ratio of 1.61 indicate a healthy liquidity position, allowing the company to meet short-term obligations. The company’s asset turnover ratio of 0.30% suggests that there may be room for improvement in asset utilization to enhance revenue generation.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Arman Financial Services reflects a diverse ownership structure. Promoters hold 22.00% of the equity, a decline from 27.35% in December 2022, indicating a gradual reduction in promoter confidence. Foreign Institutional Investors (FIIs) have decreased their stake to 1.80%, while Domestic Institutional Investors (DIIs) hold 4.83%, both suggesting a cautious stance from institutional investors. The public shareholding remains substantial at 71.37%, reflecting a strong retail investor base. The number of shareholders increased significantly to 36,531, suggesting growing interest in the company despite the declining promoter and institutional stakes. This increasing public participation may serve as a buffer against volatility in stock prices. However, the declining promoter holdings could raise concerns about long-term governance and strategic direction.
Outlook, Risks, and Final Insight
The outlook for Arman Financial Services is contingent on its ability to navigate profitability challenges and maintain its revenue growth trajectory. Key strengths include its robust revenue growth, effective capital utilization reflected in ROCE, and a solid liquidity position, which together position the company favorably within the NBFC sector. However, risks remain, particularly the declining profitability metrics and the reduced promoter stake, which may signal a lack of confidence in future performance. Additionally, the interest coverage ratio being at 1.30x raises concerns about financial flexibility. To enhance its market position, the company must implement effective cost management strategies, improve asset utilization, and restore investor confidence through transparent communication and strategic initiatives. Overall, while the company has a solid foundation, addressing these challenges will be critical for sustainable growth and shareholder value enhancement.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 15.5 Cr. | 1.55 | 1.81/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.13 Cr. | 0.71 | 6.70/0.62 | 21.0 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 353 Cr. | 54.0 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.2 Cr. | 15.5 | 25.5/15.0 | 11.7 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 28.4 Cr. | 63.0 | 146/60.2 | 15.3 | 238 | 1.59 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 27,714.13 Cr | 394.14 | 51.15 | 515.00 | 0.24% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 92.65 | 103.04 | 149.31 | 149.51 | 160.33 | 168.76 | 182.85 | 184.43 | 181.49 | 164.77 | 199.35 | 151.00 | 159.21 |
| Interest | 36.07 | 44.04 | 63.31 | 63.97 | 67.35 | 71.20 | 62.95 | 65.37 | 65.26 | 56.98 | 51.75 | 52.22 | 49.61 |
| Expenses | 29.60 | 29.30 | 36.86 | 35.42 | 34.13 | 42.02 | 54.97 | 77.63 | 93.48 | 114.22 | 134.46 | 109.51 | 91.21 |
| Financing Profit | 26.98 | 29.70 | 49.14 | 50.12 | 58.85 | 55.54 | 64.93 | 41.43 | 22.75 | -6.43 | 13.14 | -10.73 | 18.39 |
| Financing Margin % | 29.12% | 28.82% | 32.91% | 33.52% | 36.71% | 32.91% | 35.51% | 22.46% | 12.54% | -3.90% | 6.59% | -7.11% | 11.55% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.26 | 0.31 | 0.31 | 0.32 | 0.36 | 0.36 | 0.38 | 0.42 | 0.44 | 0.46 | 0.48 | 0.44 | 0.45 |
| Profit before tax | 26.72 | 29.39 | 48.83 | 49.80 | 58.49 | 55.18 | 64.62 | 41.01 | 22.31 | -6.89 | 12.66 | -11.17 | 17.94 |
| Tax % | 25.41% | 25.25% | 25.89% | 19.80% | 30.21% | 23.89% | 21.36% | 23.65% | 31.60% | 5.37% | -0.87% | 30.53% | 55.41% |
| Net Profit | 19.92 | 21.98 | 36.20 | 39.94 | 40.82 | 42.00 | 50.82 | 31.30 | 15.27 | -7.26 | 12.76 | -14.58 | 7.99 |
| EPS in Rs | 23.46 | 25.88 | 42.63 | 47.02 | 46.86 | 42.91 | 48.51 | 29.87 | 14.57 | -6.93 | 12.18 | -13.90 | 7.60 |
| Gross NPA % | 2.80% | 2.50% | 2.48% | 2.83% | 2.88% | 2.68% | 3.74% | 4.13% | 3.37% | 3.45% | 3.70% | ||
| Net NPA % | 0.20% | 0.10% | 0.23% | 0.33% | 0.31% | 0.22% | 0.64% | 0.67% | 0.55% | 0.51% | 0.50% |
Last Updated: January 2, 2026, 11:00 am
Below is a detailed analysis of the quarterly data for Arman Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 49.61 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 52.22 Cr. (Jun 2025) to 49.61 Cr., marking a decrease of 2.61 Cr..
- For Expenses, as of Sep 2025, the value is 91.21 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 109.51 Cr. (Jun 2025) to 91.21 Cr., marking a decrease of 18.30 Cr..
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.45 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.44 Cr. (Jun 2025) to 0.45 Cr., marking an increase of 0.01 Cr..
- For Profit before tax, as of Sep 2025, the value is 17.94 Cr.. The value appears strong and on an upward trend. It has increased from -11.17 Cr. (Jun 2025) to 17.94 Cr., marking an increase of 29.11 Cr..
- For Tax %, as of Sep 2025, the value is 55.41%. The value appears to be increasing, which may not be favorable. It has increased from 30.53% (Jun 2025) to 55.41%, marking an increase of 24.88%.
- For Net Profit, as of Sep 2025, the value is 7.99 Cr.. The value appears strong and on an upward trend. It has increased from -14.58 Cr. (Jun 2025) to 7.99 Cr., marking an increase of 22.57 Cr..
- For EPS in Rs, as of Sep 2025, the value is 7.60. The value appears strong and on an upward trend. It has increased from -13.90 (Jun 2025) to 7.60, marking an increase of 21.50.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:38 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 24 | 30 | 41 | 54 | 78 | 139 | 214 | 195 | 235 | 424 | 661 | 730 | 674 |
| Interest | 9 | 11 | 16 | 24 | 34 | 59 | 88 | 79 | 89 | 172 | 266 | 240 | 211 |
| Expenses | 9 | 9 | 12 | 20 | 34 | 44 | 72 | 103 | 99 | 126 | 166 | 419 | 449 |
| Financing Profit | 7 | 9 | 12 | 10 | 10 | 37 | 53 | 13 | 46 | 126 | 229 | 71 | 14 |
| Financing Margin % | 28% | 32% | 30% | 19% | 13% | 26% | 25% | 6% | 20% | 30% | 35% | 10% | 2% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | -0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| Profit before tax | 7 | 9 | 12 | 10 | 10 | 36 | 54 | 12 | 46 | 125 | 228 | 69 | 13 |
| Tax % | 32% | 33% | 34% | 36% | 26% | 27% | 23% | 10% | 30% | 25% | 24% | 25% | |
| Net Profit | 5 | 6 | 8 | 6 | 7 | 26 | 42 | 11 | 32 | 94 | 174 | 52 | -1 |
| EPS in Rs | 7.92 | 10.77 | 13.99 | 11.05 | 12.76 | 45.98 | 49.13 | 12.51 | 37.35 | 110.46 | 165.67 | 49.69 | -1.05 |
| Dividend Payout % | 15% | 13% | 12% | 11% | 9% | 4% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 20.00% | 33.33% | -25.00% | 16.67% | 271.43% | 61.54% | -73.81% | 190.91% | 193.75% | 85.11% | -70.11% |
| Change in YoY Net Profit Growth (%) | 0.00% | 13.33% | -58.33% | 41.67% | 254.76% | -209.89% | -135.35% | 264.72% | 2.84% | -108.64% | -155.22% |
Arman Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 38% |
| 5 Years: | 28% |
| 3 Years: | 46% |
| TTM: | 0% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 24% |
| 5 Years: | 5% |
| 3 Years: | 18% |
| TTM: | -96% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 20% |
| 3 Years: | 0% |
| 1 Year: | -17% |
| Return on Equity | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 17% |
| 3 Years: | 19% |
| Last Year: | 6% |
Last Updated: September 4, 2025, 11:35 pm
Balance Sheet
Last Updated: December 4, 2025, 12:58 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 7 | 7 | 7 | 7 | 7 | 7 | 8 | 8 | 8 | 8 | 10 | 10 | 11 |
| Reserves | 27 | 32 | 39 | 44 | 50 | 116 | 164 | 178 | 204 | 355 | 802 | 864 | 862 |
| Borrowing | 75 | 93 | 143 | 157 | 395 | 612 | 698 | 721 | 990 | 1,607 | 1,725 | 1,232 | 1,197 |
| Other Liabilities | 3 | 6 | 7 | 7 | 12 | 18 | 26 | 32 | 39 | 68 | 97 | 121 | 83 |
| Total Liabilities | 112 | 137 | 195 | 215 | 465 | 753 | 896 | 940 | 1,241 | 2,038 | 2,635 | 2,227 | 2,153 |
| Fixed Assets | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 4 | 5 | 6 | 8 | 31 | 32 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 1 | 2 | 3 | 3 | 3 | 3 | 6 | 19 | 7 | 39 | 33 |
| Other Assets | 110 | 136 | 192 | 210 | 459 | 746 | 888 | 933 | 1,231 | 2,013 | 2,620 | 2,157 | 2,087 |
| Total Assets | 112 | 137 | 195 | 215 | 465 | 753 | 896 | 940 | 1,241 | 2,038 | 2,635 | 2,227 | 2,153 |
Below is a detailed analysis of the balance sheet data for Arman Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 11.00 Cr.. The value appears strong and on an upward trend. It has increased from 10.00 Cr. (Mar 2025) to 11.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 862.00 Cr.. The value appears to be declining and may need further review. It has decreased from 864.00 Cr. (Mar 2025) to 862.00 Cr., marking a decrease of 2.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 83.00 Cr.. The value appears to be improving (decreasing). It has decreased from 121.00 Cr. (Mar 2025) to 83.00 Cr., marking a decrease of 38.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 2,153.00 Cr.. The value appears to be improving (decreasing). It has decreased from 2,227.00 Cr. (Mar 2025) to 2,153.00 Cr., marking a decrease of 74.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 32.00 Cr.. The value appears strong and on an upward trend. It has increased from 31.00 Cr. (Mar 2025) to 32.00 Cr., marking an increase of 1.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 33.00 Cr.. The value appears to be declining and may need further review. It has decreased from 39.00 Cr. (Mar 2025) to 33.00 Cr., marking a decrease of 6.00 Cr..
- For Other Assets, as of Sep 2025, the value is 2,087.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,157.00 Cr. (Mar 2025) to 2,087.00 Cr., marking a decrease of 70.00 Cr..
- For Total Assets, as of Sep 2025, the value is 2,153.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,227.00 Cr. (Mar 2025) to 2,153.00 Cr., marking a decrease of 74.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -66.00 | -84.00 | -131.00 | -137.00 | -361.00 | -568.00 | -626.00 | -618.00 | -891.00 | 125.00 | 165.00 | 418.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 16% | 17% | 19% | 13% | 14% | 29% | 28% | 6% | 16% | 33% | 30% | 6% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| UTI Banking & Financial Services Fund | 80,000 | 0.95 | 13.1 | 88,329 | 2025-12-15 00:39:47 | -9.43% |
| UTI Small Cap Fund | 60,369 | 0.2 | 9.89 | N/A | N/A | N/A |
| WhiteOak Capital Flexi Cap Fund | 39,558 | 0.09 | 6.48 | N/A | N/A | N/A |
| WhiteOak Capital ELSS Tax Saver Fund | 2,733 | 0.1 | 0.45 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 49.67 | 195.00 | 110.47 | 37.36 | 12.53 |
| Diluted EPS (Rs.) | 49.26 | 192.76 | 110.47 | 37.35 | 12.53 |
| Cash EPS (Rs.) | 51.34 | 167.03 | 111.83 | 38.48 | 13.46 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 833.53 | 775.70 | 355.45 | 250.47 | 220.02 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 833.53 | 775.70 | 355.45 | 250.47 | 220.02 |
| Revenue From Operations / Share (Rs.) | 695.91 | 631.35 | 499.16 | 275.58 | 224.94 |
| PBDIT / Share (Rs.) | 295.74 | 472.46 | 351.03 | 160.07 | 106.05 |
| PBIT / Share (Rs.) | 294.03 | 471.10 | 349.67 | 158.94 | 105.10 |
| PBT / Share (Rs.) | 65.86 | 217.71 | 147.14 | 53.60 | 13.86 |
| Net Profit / Share (Rs.) | 49.64 | 165.67 | 110.47 | 37.36 | 12.51 |
| NP After MI And SOA / Share (Rs.) | 49.64 | 165.67 | 110.47 | 37.36 | 12.51 |
| PBDIT Margin (%) | 42.49 | 74.83 | 70.32 | 58.08 | 47.14 |
| PBIT Margin (%) | 42.25 | 74.61 | 70.05 | 57.67 | 46.72 |
| PBT Margin (%) | 9.46 | 34.48 | 29.47 | 19.45 | 6.16 |
| Net Profit Margin (%) | 7.13 | 26.24 | 22.13 | 13.55 | 5.55 |
| NP After MI And SOA Margin (%) | 7.13 | 26.24 | 22.13 | 13.55 | 5.55 |
| Return on Networth / Equity (%) | 5.95 | 21.35 | 31.07 | 14.91 | 5.68 |
| Return on Capital Employeed (%) | 34.96 | 59.68 | 79.00 | 30.84 | 23.09 |
| Return On Assets (%) | 2.33 | 6.58 | 4.60 | 2.55 | 1.12 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.00 | 1.03 | 1.03 |
| Total Debt / Equity (X) | 1.41 | 2.12 | 5.32 | 4.65 | 3.86 |
| Asset Turnover Ratio (%) | 0.30 | 0.28 | 0.25 | 0.09 | 0.10 |
| Current Ratio (X) | 1.61 | 1.44 | 1.21 | 1.52 | 1.67 |
| Quick Ratio (X) | 1.61 | 1.44 | 1.21 | 1.52 | 1.67 |
| Interest Coverage Ratio (X) | 1.30 | 1.86 | 1.73 | 1.52 | 1.16 |
| Interest Coverage Ratio (Post Tax) (X) | 1.22 | 1.65 | 1.55 | 1.35 | 1.14 |
| Enterprise Value (Cr.) | 2183.85 | 3129.92 | 2303.82 | 1687.64 | 1069.74 |
| EV / Net Operating Revenue (X) | 2.99 | 4.73 | 5.43 | 7.21 | 5.60 |
| EV / EBITDA (X) | 7.04 | 6.32 | 7.73 | 12.42 | 11.88 |
| MarketCap / Net Operating Revenue (X) | 1.86 | 2.92 | 2.67 | 3.59 | 2.71 |
| Price / BV (X) | 1.55 | 2.37 | 3.74 | 3.95 | 2.77 |
| Price / Net Operating Revenue (X) | 1.86 | 2.92 | 2.67 | 3.59 | 2.71 |
| EarningsYield | 0.03 | 0.08 | 0.08 | 0.03 | 0.02 |
After reviewing the key financial ratios for Arman Financial Services Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 49.67. This value is within the healthy range. It has decreased from 195.00 (Mar 24) to 49.67, marking a decrease of 145.33.
- For Diluted EPS (Rs.), as of Mar 25, the value is 49.26. This value is within the healthy range. It has decreased from 192.76 (Mar 24) to 49.26, marking a decrease of 143.50.
- For Cash EPS (Rs.), as of Mar 25, the value is 51.34. This value is within the healthy range. It has decreased from 167.03 (Mar 24) to 51.34, marking a decrease of 115.69.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 833.53. It has increased from 775.70 (Mar 24) to 833.53, marking an increase of 57.83.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 833.53. It has increased from 775.70 (Mar 24) to 833.53, marking an increase of 57.83.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 695.91. It has increased from 631.35 (Mar 24) to 695.91, marking an increase of 64.56.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 295.74. This value is within the healthy range. It has decreased from 472.46 (Mar 24) to 295.74, marking a decrease of 176.72.
- For PBIT / Share (Rs.), as of Mar 25, the value is 294.03. This value is within the healthy range. It has decreased from 471.10 (Mar 24) to 294.03, marking a decrease of 177.07.
- For PBT / Share (Rs.), as of Mar 25, the value is 65.86. This value is within the healthy range. It has decreased from 217.71 (Mar 24) to 65.86, marking a decrease of 151.85.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 49.64. This value is within the healthy range. It has decreased from 165.67 (Mar 24) to 49.64, marking a decrease of 116.03.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 49.64. This value is within the healthy range. It has decreased from 165.67 (Mar 24) to 49.64, marking a decrease of 116.03.
- For PBDIT Margin (%), as of Mar 25, the value is 42.49. This value is within the healthy range. It has decreased from 74.83 (Mar 24) to 42.49, marking a decrease of 32.34.
- For PBIT Margin (%), as of Mar 25, the value is 42.25. This value exceeds the healthy maximum of 20. It has decreased from 74.61 (Mar 24) to 42.25, marking a decrease of 32.36.
- For PBT Margin (%), as of Mar 25, the value is 9.46. This value is below the healthy minimum of 10. It has decreased from 34.48 (Mar 24) to 9.46, marking a decrease of 25.02.
- For Net Profit Margin (%), as of Mar 25, the value is 7.13. This value is within the healthy range. It has decreased from 26.24 (Mar 24) to 7.13, marking a decrease of 19.11.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 7.13. This value is below the healthy minimum of 8. It has decreased from 26.24 (Mar 24) to 7.13, marking a decrease of 19.11.
- For Return on Networth / Equity (%), as of Mar 25, the value is 5.95. This value is below the healthy minimum of 15. It has decreased from 21.35 (Mar 24) to 5.95, marking a decrease of 15.40.
- For Return on Capital Employeed (%), as of Mar 25, the value is 34.96. This value is within the healthy range. It has decreased from 59.68 (Mar 24) to 34.96, marking a decrease of 24.72.
- For Return On Assets (%), as of Mar 25, the value is 2.33. This value is below the healthy minimum of 5. It has decreased from 6.58 (Mar 24) to 2.33, marking a decrease of 4.25.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 1.41. This value exceeds the healthy maximum of 1. It has decreased from 2.12 (Mar 24) to 1.41, marking a decrease of 0.71.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.30. It has increased from 0.28 (Mar 24) to 0.30, marking an increase of 0.02.
- For Current Ratio (X), as of Mar 25, the value is 1.61. This value is within the healthy range. It has increased from 1.44 (Mar 24) to 1.61, marking an increase of 0.17.
- For Quick Ratio (X), as of Mar 25, the value is 1.61. This value is within the healthy range. It has increased from 1.44 (Mar 24) to 1.61, marking an increase of 0.17.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.30. This value is below the healthy minimum of 3. It has decreased from 1.86 (Mar 24) to 1.30, marking a decrease of 0.56.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.22. This value is below the healthy minimum of 3. It has decreased from 1.65 (Mar 24) to 1.22, marking a decrease of 0.43.
- For Enterprise Value (Cr.), as of Mar 25, the value is 2,183.85. It has decreased from 3,129.92 (Mar 24) to 2,183.85, marking a decrease of 946.07.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 2.99. This value is within the healthy range. It has decreased from 4.73 (Mar 24) to 2.99, marking a decrease of 1.74.
- For EV / EBITDA (X), as of Mar 25, the value is 7.04. This value is within the healthy range. It has increased from 6.32 (Mar 24) to 7.04, marking an increase of 0.72.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.86. This value is within the healthy range. It has decreased from 2.92 (Mar 24) to 1.86, marking a decrease of 1.06.
- For Price / BV (X), as of Mar 25, the value is 1.55. This value is within the healthy range. It has decreased from 2.37 (Mar 24) to 1.55, marking a decrease of 0.82.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.86. This value is within the healthy range. It has decreased from 2.92 (Mar 24) to 1.86, marking a decrease of 1.06.
- For EarningsYield, as of Mar 25, the value is 0.03. This value is below the healthy minimum of 5. It has decreased from 0.08 (Mar 24) to 0.03, marking a decrease of 0.05.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Arman Financial Services Ltd:
- Net Profit Margin: 7.13%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 34.96% (Industry Average ROCE: 15.81%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 5.95% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.22
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.61
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 51.15)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 1.41
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 7.13%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 502-503, Sakar III, Ahmedabad Gujarat 380014 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Alok N Prasad | Chairman |
| Mr. Jayendrabhai B Patel | Vice Chairman & Mng.Director |
| Mr. Aalok J Patel | Joint Managing Director |
| Mrs. Ritaben J Patel | Non Executive Director |
| Mr. Aakash J Patel | Non Executive Director |
| Mr. Yash Kaushik Shah | Independent Director |
| Mrs. Geeta Haresh Solanki | Independent Director |
| Mr. Pinakin S Shah | Independent Director |
FAQ
What is the intrinsic value of Arman Financial Services Ltd?
Arman Financial Services Ltd's intrinsic value (as of 24 January 2026) is ₹300.64 which is 81.35% lower the current market price of ₹1,612.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,695 Cr. market cap, FY2025-2026 high/low of ₹1,850/1,110, reserves of ₹862 Cr, and liabilities of ₹2,153 Cr.
What is the Market Cap of Arman Financial Services Ltd?
The Market Cap of Arman Financial Services Ltd is 1,695 Cr..
What is the current Stock Price of Arman Financial Services Ltd as on 24 January 2026?
The current stock price of Arman Financial Services Ltd as on 24 January 2026 is ₹1,612.
What is the High / Low of Arman Financial Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Arman Financial Services Ltd stocks is ₹1,850/1,110.
What is the Stock P/E of Arman Financial Services Ltd?
The Stock P/E of Arman Financial Services Ltd is .
What is the Book Value of Arman Financial Services Ltd?
The Book Value of Arman Financial Services Ltd is 830.
What is the Dividend Yield of Arman Financial Services Ltd?
The Dividend Yield of Arman Financial Services Ltd is 0.00 %.
What is the ROCE of Arman Financial Services Ltd?
The ROCE of Arman Financial Services Ltd is 13.3 %.
What is the ROE of Arman Financial Services Ltd?
The ROE of Arman Financial Services Ltd is 6.17 %.
What is the Face Value of Arman Financial Services Ltd?
The Face Value of Arman Financial Services Ltd is 10.0.