Share Price and Basic Stock Data
Last Updated: January 14, 2026, 8:23 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 as a Non-Banking Financial Company (NBFC), reported a price of ₹1,515 and a market capitalization of ₹1,592 Cr. The company’s revenue has shown a consistent upward trend, rising from ₹92.65 Cr in September 2022 to ₹160.33 Cr in September 2023, indicating robust growth in its operational capabilities. The revenue for the trailing twelve months (TTM) stood at ₹674 Cr, reflecting a significant increase from ₹424 Cr in March 2023, and is expected to reach ₹730 Cr by March 2025. This growth trajectory is bolstered by a strong financing profit which increased from ₹26.98 Cr in September 2022 to ₹58.85 Cr in September 2023, supporting the company’s revenue generation. However, the absence of operating profit margin (OPM) data limits the assessment of operational efficiency. Overall, the revenue trends depict a promising business outlook amidst a competitive financial services landscape.
Profitability and Efficiency Metrics
Arman Financial Services recorded a net profit of ₹40.82 Cr in September 2023, up from ₹19.92 Cr in September 2022. The net profit margin for the same period stood at 25.4%, showcasing the company’s ability to convert revenue into profit effectively. However, the net profit for the trailing twelve months (TTM) was reported at -₹1 Cr, indicating potential profitability challenges ahead. The company’s return on equity (ROE) for the fiscal year 2025 was reported at 6.17%, which is relatively low compared to typical sector averages, suggesting room for improvement in capital efficiency. The interest coverage ratio (ICR) was recorded at 1.30x, reflecting a moderate ability to cover interest expenses, which poses a risk if revenue growth does not maintain pace with rising costs. Overall, while profitability metrics show improvements, the underlying efficiency ratios highlight areas needing strategic enhancements.
Balance Sheet Strength and Financial Ratios
As of September 2025, Arman Financial Services reported total assets of ₹2,153 Cr, with total liabilities standing at ₹2,227 Cr, leading to a negative net worth scenario. The company’s reserves amounted to ₹862 Cr, indicating a solid equity base; however, the total debt-to-equity ratio of 1.41x suggests a leverage level that may increase financial risk in volatile market conditions. Notably, the book value per share was recorded at ₹833.53, which is a strong indicator of asset backing. The interest coverage ratio (ICR), at 1.30x, suggests that while the company can cover its interest obligations, it operates close to a threshold that may raise concerns in a rising interest rate environment. The overall balance sheet strength reflects a reliance on debt financing, which could be a potential risk if cash flows do not stabilize or improve.
Shareholding Pattern and Investor Confidence
Arman Financial Services’ shareholding pattern indicates a diversified ownership structure, with public shareholders holding 71.37% as of September 2025. Promoters own 22%, while foreign institutional investors (FIIs) and domestic institutional investors (DIIs) hold 1.80% and 4.83%, respectively. The gradual decline in promoter shareholding from 27.35% in December 2022 to 22.00% in September 2025 may signal a dilution of control, which could affect investor confidence. However, the increasing number of shareholders, which grew from 11,053 in December 2022 to 36,531 by September 2025, reflects a growing interest in the company, potentially bolstering market confidence. The relatively low institutional ownership could indicate a perception of risk among larger investors, which might affect stock performance in the long term. Overall, the shareholding dynamics suggest a mixed sentiment that requires careful monitoring.
Outlook, Risks, and Final Insight
Looking ahead, Arman Financial Services faces a mix of opportunities and challenges. The company’s revenue growth trajectory appears promising, bolstered by rising financing profits. However, the risks associated with its high debt levels and low profitability metrics, particularly the negative net profit for TTM, necessitate strategic management. The fluctuations in net profit margins and interest coverage ratios indicate potential vulnerabilities to economic downturns or rising interest rates. Investor confidence is bolstered by a growing shareholder base, yet the declining promoter stake may raise concerns regarding long-term governance. The company must focus on improving operational efficiency and profitability to mitigate these risks while leveraging its growth potential in the expanding NBFC sector. If managed effectively, Arman Financial Services could position itself favorably within the competitive landscape of financial services, but ongoing vigilance will be essential to navigate the inherent risks.
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 | 14.2 Cr. | 1.42 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.43 Cr. | 0.74 | 7.55/0.62 | 21.9 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 401 Cr. | 63.5 | 125/53.9 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 26.2/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 32.6 Cr. | 72.5 | 152/66.1 | 17.4 | 238 | 1.38 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,816.42 Cr | 405.64 | 52.38 | 515.00 | 0.23% | 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: 52.38)
- 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 15 January 2026) is ₹626.82 which is 59.03% lower the current market price of ₹1,530.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,608 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 1,608 Cr..
What is the current Stock Price of Arman Financial Services Ltd as on 15 January 2026?
The current stock price of Arman Financial Services Ltd as on 15 January 2026 is ₹1,530.
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.