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Last Updated on: 30 May, 2024|Author: Getaka | Social: X Twitter Profile

Fundamental Analysis of Arman Financial Services Ltd

About the Company - Arman Financial Services Ltd

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. 62.41 Cr. and Equity Capital is Rs. 8.49 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)502-503, Sakar III, Ahmedabad Gujarat 380014secretarial@armanindia.com
http://www.armanindia.com
Management
NamePosition Held
Mr. Alok N PrasadChairman
Mr. Jayendrabhai B PatelVice Chairman & Mng.Director
Mr. Aalok J PatelJoint Managing Director
Mrs. Ritaben J PatelNon Executive Director
Mr. Aakash J PatelNon Executive Director
Mr. Yash Kaushik ShahIndependent Director
Mr. Ramakant NagpalIndependent Director
Ms. Geeta Haresh SolankiIndependent Director

Basic Stock Data of Arman Financial Services Ltd

Last Updated: May 28, 2024, 9:52 pm

Market Cap 2,048 Cr.
Current Price 2,092
High / Low2,680/1,375
Stock P/E12.9
Book Value 480
Dividend Yield0.00 %
ROCE18.7 %
ROE32.6 %
Face Value 10.0
PEG Ratio0.44

Arman Financial Services Ltd Quarterly Results

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Sales4745495058767993103149150160169
Expenses27252324242930302937353442
Operating Profit202026273547496374112114126127
OPM %43%44%53%53%59%62%62%68%72%75%76%79%75%
Other Income1000000000000
Interest17202020252529364463646771
Depreciation0000000000000
Profit before tax3-067102220272949505855
Tax %12%680%45%34%27%26%21%25%25%26%20%30%24%
Net Profit314571616202236404142
EPS in Rs3.441.024.215.718.2719.1718.5023.4625.8842.6347.0246.8642.91

Last Updated: May 15, 2024, 7:35 am

Arman Financial Services Ltd Quarterly Chart

Arman Financial Services Ltd Profit & Loss

Last Updated: May 30, 2024, 6:16 am

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue16172430415478139214195235424628
Interest6691116243459887989172266
Expenses5699122034447210399126148
Financing Profit557912101037531346126214
Financing Margin %30%29%28%32%30%19%13%26%25%6%20%30%34%
Other Income0000000010-000
Depreciation0000000011111
Profit before tax557912101036541246125212
Tax %33%30%32%33%34%36%26%27%23%10%30%25%
Net Profit33568672642113294159
EPS in Rs5.917.9210.7713.9911.0512.7645.9849.1312.5137.35110.46179.42
Dividend Payout %11%14%15%13%12%11%9%4%0%0%0%0%

Arman Financial Services Ltd Profit & Loss Yearly Chart

Arman Financial Services Ltd Growth

Compounded Sales Growth
10 Years:38%
5 Years:40%
3 Years:26%
TTM:79%
Compounded Profit Growth
10 Years:40%
5 Years:67%
3 Years:31%
TTM:115%
Stock Price CAGR
10 Years:59%
5 Years:40%
3 Years:50%
1 Year:31%
Return on Equity
10 Years:21%
5 Years:23%
3 Years:20%
Last Year:33%

Last Updated: May 25, 2024, 5:21 pm

Arman Financial Services Ltd Balance Sheet

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital4677777788889
Reserves16172732394450116164178204355461
Preference Capital000055000002
Borrowings365875931381523956126987219901,6041,862
Other Liabilities9236121212182632397091
Total Liabilities65821121371952154657538969401,2412,0382,423
Fixed Assets1122233444566
CWIP0000000000000
Investments000012333361924
Other Assets64811101361922104597468889331,2312,0132,392
Total Assets65821121371952154657538969401,2412,0382,423

Arman Financial Services Ltd Reserves and Borrowings Chart

Arman Financial Services Ltd Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity 4-24-67-121-203-221-766-281-718
Cash from Investing Activity -00-2-1-7-2-12-122-2-13
Cash from Financing Activity 42216-51-92052529422270681
Net Cash Flow7-281-710-9302030-12-49

Arman Financial Services Ltd Financial Efficiency Indicators

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %16%16%17%19%13%14%29%28%6%16%33%

Arman Financial Services Ltd Financial Efficiency Indicators Chart

Arman Financial Services Ltd Share Holding Pattern

MonthJun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
Promoters27.46%27.45%27.45%27.45%27.39%27.36%27.35%27.31%27.26%26.58%23.65%22.09%
FIIs4.63%4.99%4.84%4.94%5.14%5.28%5.13%5.04%4.86%3.89%6.64%10.20%
DIIs0.00%0.00%0.00%0.09%0.47%0.53%0.76%0.76%0.81%0.77%7.66%6.29%
Public67.90%67.55%67.70%67.52%67.00%66.82%66.76%66.89%67.05%68.76%62.05%61.41%
No. of Shareholders9,2629,56910,0589,80410,11311,13411,05311,19612,18513,75815,68819,745

Arman Financial Services Ltd Shareholding Pattern Chart

No. of Arman Financial Services Ltd Shareholders

This stock is not held by any mutual fund

Arman Financial Services Ltd ROCE Trend

Arman Financial Services Ltd EPS Trend

Arman Financial Services Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
FaceValue10.0010.0010.0010.0010.00
Basic EPS (Rs.)110.4737.3612.5355.8038.09
Diluted EPS (Rs.)110.4737.3512.5355.5430.72
Cash EPS (Rs.)111.8338.4813.4650.0838.71
Book Value[Excl.RevalReserv]/Share (Rs.)355.45250.47220.02203.79115.49
Book Value[Incl.RevalReserv]/Share (Rs.)355.45250.47220.02203.79115.49
Revenue From Operations / Share (Rs.)499.16275.58224.94250.28199.81
PBDIT / Share (Rs.)351.03160.07106.05168.23136.72
PBIT / Share (Rs.)349.67158.94105.10167.28136.02
PBT / Share (Rs.)147.1453.6013.8663.6352.11
Net Profit / Share (Rs.)110.4737.3612.5149.1338.02
NP After MI And SOA / Share (Rs.)110.4737.3612.5149.1338.02
PBDIT Margin (%)70.3258.0847.1467.2168.42
PBIT Margin (%)70.0557.6746.7266.8368.07
PBT Margin (%)29.4719.456.1625.4226.08
Net Profit Margin (%)22.1313.555.5519.6319.02
NP After MI And SOA Margin (%)22.1313.555.5519.6319.02
Return on Networth / Equity (%)31.0714.915.6824.1032.92
Return on Capital Employeed (%)79.0030.8423.0947.9245.06
Return On Assets (%)4.602.551.124.633.51
Long Term Debt / Equity (X)0.001.031.030.701.02
Total Debt / Equity (X)5.324.653.864.057.62
Asset Turnover Ratio (%)0.250.090.100.120.12
Current Ratio (X)1.211.521.671.471.38
Quick Ratio (X)1.211.521.671.471.38
Dividend Payout Ratio (NP) (%)0.000.000.000.002.61
Dividend Payout Ratio (CP) (%)0.000.000.000.002.57
Earning Retention Ratio (%)0.000.000.000.0097.39
Cash Earning Retention Ratio (%)0.000.000.000.0097.43
Interest Coverage Ratio (X)1.731.521.161.621.63
Interest Coverage Ratio (Post Tax) (X)1.551.351.141.471.45
Enterprise Value (Cr.)2303.821687.641069.74948.43809.59
EV / Net Operating Revenue (X)5.437.215.604.485.83
EV / EBITDA (X)7.7312.4211.886.678.52
MarketCap / Net Operating Revenue (X)2.673.592.711.641.92
Retention Ratios (%)0.000.000.000.0097.38
Price / BV (X)3.743.952.772.023.31
Price / Net Operating Revenue (X)2.673.592.711.641.92
EarningsYield0.080.030.020.110.09

Arman Financial Services Ltd Profitability Ratios (%)

Arman Financial Services Ltd Liquidity Ratios

Arman Financial Services Ltd Liquidity Ratios (%)

Arman Financial Services Ltd Interest Coverage Ratios (%)

Arman Financial Services Ltd Valuation Ratios

Fair Value

Fair Value: ₹2,058.96

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

Overvalued: 1.58% compared to the current price ₹2092

Intrinsic Value: ₹2,667.80

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators along with EPS growth.

Undervalued: 27.52% compared to the current price ₹2092

Last 5 Year EPS CAGR: 29.57%

*Investments are subject to market risks

Strength and Weakness of Arman Financial Services Ltd Stock

Unable to fetch valid data for stock valuation.

FAQ

What is the latest fair value of Arman Financial Services Ltd?

The latest fair value of Arman Financial Services Ltd is ₹2058.96.

What is the Market Cap of Arman Financial Services Ltd?

The Market Cap of Arman Financial Services Ltd is 2,048 Cr..

What is the current Stock Price of Arman Financial Services Ltd as on 30 May 2024?

The current stock price of Arman Financial Services Ltd as on 30 May 2024 is ₹2,092.

What is the High / Low of Arman Financial Services Ltd stocks in FY 2024?

In FY 2024, the High / Low of Arman Financial Services Ltd stocks is 2,680/1,375.

What is the Stock P/E of Arman Financial Services Ltd?

The Stock P/E of Arman Financial Services Ltd is 12.9.

What is the Book Value of Arman Financial Services Ltd?

The Book Value of Arman Financial Services Ltd is 480.

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 18.7 %.

What is the ROE of Arman Financial Services Ltd?

The ROE of Arman Financial Services Ltd is 32.6 %.

What is the Face Value of Arman Financial Services Ltd?

The Face Value of Arman Financial Services Ltd is 10.0.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Arman Financial Services Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE