Share Price and Basic Stock Data
Last Updated: October 26, 2025, 7:57 am
| PEG Ratio | -9.18 |
|---|
Analyst Insight & Comprehensive Analysis
Arman Financial Services Ltd, a Non-Banking Financial Company (NBFC), currently trades at ₹1,446 with a market capitalization of ₹1,517 Cr. The company’s Price-to-Earnings (P/E) ratio stands at a high 245, indicating rich valuations compared to the sector average of around 20-25x. However, the Return on Equity (ROE) at 6.17% is below the industry norm of 12-15%, suggesting suboptimal utilization of shareholder funds. On the positive side, the Return on Capital Employed (ROCE) of 13.3% is respectable and indicates efficient capital allocation by the management. The Promoters hold a significant stake of 22.05%, instilling confidence in the company’s leadership.Despite its strengths, Arman Financial Services faces risks such as a low ROE, which may signal inefficiencies in operations or capital allocation. The high P/E ratio of 245 raises concerns about the stock being overvalued, potentially leading to a price correction. Additionally, the low institutional ownership by FIIs (1.42%) and DIIs (5.08%) might indicate a lack of confidence from larger investors. Looking ahead, a scenario where the company focuses on improving its ROE through operational efficiency and strategic investments could enhance its attractiveness to investors. Conversely, a deterioration in asset quality or regulatory changes impacting the NBFC sector could pose challenges to its growth trajectory.In conclusion, while Arman Financial Services exhibits strengths in ROCE and promoter holding, investors should closely monitor the company’s ability to improve ROE and address the high valuation multiples. Understanding the risks associated with the stock and the broader sector dynamics will be crucial for making informed investment decisions in the NBFC space.Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Arman Financial Services Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 15.1 Cr. | 1.51 | 1.91/0.85 | 101 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 11.7 Cr. | 1.17 | 14.3/1.06 | 18.3 | 1.31 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 516 Cr. | 158 | 285/130 | 79.8 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.1 Cr. | 18.7 | 39.8/17.5 | 12.8 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 44.7 Cr. | 99.4 | 181/90.0 | 23.9 | 238 | 1.01 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 30,053.42 Cr | 486.42 | 103.03 | 494.63 | 0.21% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 79 | 93 | 103 | 149 | 150 | 160 | 169 | 183 | 184 | 181 | 165 | 199 | 151 |
| Interest | 29 | 36 | 44 | 63 | 64 | 67 | 71 | 63 | 65 | 65 | 57 | 52 | 52 |
| Expenses | 30 | 30 | 29 | 37 | 35 | 34 | 42 | 55 | 78 | 93 | 114 | 134 | 110 |
| Financing Profit | 20 | 27 | 30 | 49 | 50 | 59 | 56 | 65 | 41 | 23 | -6 | 13 | -11 |
| Financing Margin % | 26% | 29% | 29% | 33% | 34% | 37% | 33% | 36% | 22% | 13% | -4% | 7% | -7% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 20 | 27 | 29 | 49 | 50 | 58 | 55 | 65 | 41 | 22 | -7 | 13 | -11 |
| Tax % | 21% | 25% | 25% | 26% | 20% | 30% | 24% | 21% | 24% | 32% | 5% | -1% | 31% |
| Net Profit | 16 | 20 | 22 | 36 | 40 | 41 | 42 | 51 | 31 | 15 | -7 | 13 | -15 |
| EPS in Rs | 18.50 | 23.46 | 25.88 | 42.63 | 47.02 | 46.86 | 42.91 | 48.51 | 29.87 | 14.57 | -6.93 | 12.18 | -13.90 |
| Gross NPA % | 3.60% | 2.80% | 2.50% | 2.48% | 2.83% | 2.88% | 2.68% | 3.74% | 4.13% | 3.37% | 3.45% | ||
| Net NPA % | 0.30% | 0.20% | 0.10% | 0.23% | 0.33% | 0.31% | 0.22% | 0.64% | 0.67% | 0.55% | 0.51% |
Last Updated: August 20, 2025, 1:40 pm
Below is a detailed analysis of the quarterly data for Arman Financial Services Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 52.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 52.00 Cr..
- For Expenses, as of Jun 2025, the value is 110.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 134.00 Cr. (Mar 2025) to 110.00 Cr., marking a decrease of 24.00 Cr..
- For Other Income, as of Jun 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 Depreciation, as of Jun 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 Profit before tax, as of Jun 2025, the value is -11.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13.00 Cr. (Mar 2025) to -11.00 Cr., marking a decrease of 24.00 Cr..
- For Tax %, as of Jun 2025, the value is 31.00%. The value appears to be increasing, which may not be favorable. It has increased from -1.00% (Mar 2025) to 31.00%, marking an increase of 32.00%.
- For Net Profit, as of Jun 2025, the value is -15.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13.00 Cr. (Mar 2025) to -15.00 Cr., marking a decrease of 28.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is -13.90. The value appears to be declining and may need further review. It has decreased from 12.18 (Mar 2025) to -13.90, marking a decrease of 26.08.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 5:42 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 | 697 |
| Interest | 9 | 11 | 16 | 24 | 34 | 59 | 88 | 79 | 89 | 172 | 266 | 240 | 226 |
| Expenses | 9 | 9 | 12 | 20 | 34 | 44 | 72 | 103 | 99 | 126 | 166 | 419 | 452 |
| Financing Profit | 7 | 9 | 12 | 10 | 10 | 37 | 53 | 13 | 46 | 126 | 229 | 71 | 19 |
| Financing Margin % | 28% | 32% | 30% | 19% | 13% | 26% | 25% | 6% | 20% | 30% | 35% | 10% | 3% |
| 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 | 17 |
| 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 | 6 |
| 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 | 5.92 |
| 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: June 16, 2025, 12:28 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 7 | 7 | 7 | 7 | 7 | 7 | 8 | 8 | 8 | 8 | 10 | 10 |
| Reserves | 27 | 32 | 39 | 44 | 50 | 116 | 164 | 178 | 204 | 355 | 802 | 864 |
| Borrowing | 75 | 93 | 143 | 157 | 395 | 612 | 698 | 721 | 990 | 1,607 | 1,725 | 1,232 |
| Other Liabilities | 3 | 6 | 7 | 7 | 12 | 18 | 26 | 32 | 39 | 68 | 97 | 121 |
| Total Liabilities | 112 | 137 | 195 | 215 | 465 | 753 | 896 | 940 | 1,241 | 2,038 | 2,635 | 2,227 |
| Fixed Assets | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 4 | 5 | 6 | 8 | 31 |
| CWIP | 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 |
| Other Assets | 110 | 136 | 192 | 210 | 459 | 746 | 888 | 933 | 1,231 | 2,013 | 2,620 | 2,157 |
| Total Assets | 112 | 137 | 195 | 215 | 465 | 753 | 896 | 940 | 1,241 | 2,038 | 2,635 | 2,227 |
Below is a detailed analysis of the balance sheet data for Arman Financial Services Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 10.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 10.00 Cr..
- For Reserves, as of Mar 2025, the value is 864.00 Cr.. The value appears strong and on an upward trend. It has increased from 802.00 Cr. (Mar 2024) to 864.00 Cr., marking an increase of 62.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 121.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 97.00 Cr. (Mar 2024) to 121.00 Cr., marking an increase of 24.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 2,227.00 Cr.. The value appears to be improving (decreasing). It has decreased from 2,635.00 Cr. (Mar 2024) to 2,227.00 Cr., marking a decrease of 408.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 31.00 Cr.. The value appears strong and on an upward trend. It has increased from 8.00 Cr. (Mar 2024) to 31.00 Cr., marking an increase of 23.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 39.00 Cr.. The value appears strong and on an upward trend. It has increased from 7.00 Cr. (Mar 2024) to 39.00 Cr., marking an increase of 32.00 Cr..
- For Other Assets, as of Mar 2025, the value is 2,157.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,620.00 Cr. (Mar 2024) to 2,157.00 Cr., marking a decrease of 463.00 Cr..
- For Total Assets, as of Mar 2025, the value is 2,227.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,635.00 Cr. (Mar 2024) to 2,227.00 Cr., marking a decrease of 408.00 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 - No data available for this post.
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 | 91,110 | 1.39 | 15.96 | 91,110 | 2025-04-22 17:25:42 | 0% |
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 (%) | 35.04 | 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 35.04. This value is within the healthy range. It has decreased from 59.68 (Mar 24) to 35.04, marking a decrease of 24.64.
- 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
Unable to fetch valid data for stock valuation.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: 35.04% (Industry Average ROCE: 15.8%)
- 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: 283 (Industry average Stock P/E: 103.03)
- 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
Arman Financial Services Ltd. is a Public Limited Listed company incorporated on 26/11/1992 and has its registered office in the State of Gujarat, India. Company's Corporate Identification Number(CIN) is L55910GJ1992PLC018623 and registration number is 018623. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 181.88 Cr. and Equity Capital is Rs. 10.49 Cr. for the Year ended 31/03/2025.
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 502-503, Sakar III, Ahmedabad Gujarat 380014 | secretarial@armanindia.com http://www.armanindia.com |
| 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. Pinakin S Shah | Independent Director |
| Mr. Yash Kaushik Shah | Independent Director |
| Mrs. Geeta Haresh Solanki | Independent Director |
FAQ
What is the intrinsic value of Arman Financial Services Ltd?
Arman Financial Services Ltd's intrinsic value (as of 26 October 2025) is 11883.05 which is 613.70% higher the current market price of 1,665.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,750 Cr. market cap, FY2025-2026 high/low of 1,850/1,110, reserves of ₹864 Cr, and liabilities of 2,227 Cr.
What is the Market Cap of Arman Financial Services Ltd?
The Market Cap of Arman Financial Services Ltd is 1,750 Cr..
What is the current Stock Price of Arman Financial Services Ltd as on 26 October 2025?
The current stock price of Arman Financial Services Ltd as on 26 October 2025 is 1,665.
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 283.
What is the Book Value of Arman Financial Services Ltd?
The Book Value of Arman Financial Services Ltd is 834.
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.