Share Price and Basic Stock Data
Last Updated: December 12, 2025, 6:02 am
| PEG Ratio | 0.00 |
|---|
Last Updated on: 12 December, 2025
Stock Ticker - BSE: 531179 | NSE: ARMANFIN
Arman Financial Services Ltd: Intrinsic Value & Share Price Analysis
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Arman Financial Services Ltd operates within the non-banking financial company (NBFC) sector, which has been witnessing a remarkable transformation in recent years. As of September 2023, the company reported a revenue of ₹160 Cr, which reflects a steady growth trajectory from ₹79 Cr in June 2022. This upward trend is indicative of Arman’s ability to capitalize on the growing demand for financial services, particularly in the retail segment. The revenue for the fiscal year ending March 2024 is projected at ₹661 Cr, a significant leap from ₹424 Cr in the previous year, which underscores the company’s robust growth strategy. However, the revenue growth is not without its challenges, as the interest expenses have also increased, standing at ₹67 Cr in September 2023, up from ₹36 Cr in September 2022. This rise in expenses could potentially squeeze margins if not managed effectively, making it crucial for the company to maintain a balance between growth and cost management.
Profitability and Efficiency Metrics
When examining Arman Financial’s profitability, the reported net profit for the quarter ending September 2023 stood at ₹41 Cr, illustrating a commendable performance compared to ₹20 Cr in the same quarter of the previous year. The company has shown an impressive net profit margin of 7.13% for the fiscal year ending March 2025, which indicates that it is effectively converting sales into profits. However, the return on equity (ROE) at 6.17% appears modest, especially when juxtaposed with the industry averages, which typically hover around 12-15%. The financing profit margin peaked at 37% in September 2023, showcasing a strong ability to generate income from its financing activities, yet the recent decline in financing profit in subsequent quarters raises concerns about sustainability. Investors should be cautious as the net profit has shown volatility, with a reported dip to -₹15 Cr in June 2025, highlighting the potential risks associated with fluctuating market conditions and operational costs.
Balance Sheet Strength and Financial Ratios
Arman Financial’s balance sheet exhibits a mixed picture of stability and risk. The company reported reserves of ₹862 Cr, which provides a cushion against potential downturns. However, the total liabilities are substantial, recorded at ₹2,227 Cr as of March 2025, indicating a high debt-to-equity ratio of 1.41. This ratio suggests that the company is heavily reliant on borrowed funds, which could pose risks if interest rates rise or if cash flows become constrained. The interest coverage ratio (ICR) of 1.30 indicates that while Arman can cover its interest obligations, it is operating close to the threshold of financial comfort. This level of leverage may amplify risks in an economic downturn, making it essential for investors to monitor the company’s ability to manage debt effectively. Additionally, with a book value of ₹833.53 per share, the stock is trading at a price-to-book ratio of 1.55x, which could imply that the market is pricing in future growth prospects, albeit with some caution.
Shareholding Pattern and Investor Confidence
The shareholding structure of Arman Financial Services Ltd reveals a diverse mix of stakeholders, with public investors holding a significant 71.37% as of September 2025. This broad base of retail investors suggests a healthy level of public confidence in the company. However, the promoter stake has been gradually declining, from 27.35% in December 2022 to 22.00% in September 2025. This reduction may raise concerns among investors regarding the promoters’ commitment to the company’s long-term vision. Foreign institutional investors (FIIs) have also decreased their holdings, now standing at 1.80%, while domestic institutional investors (DIIs) hold a modest 4.83%. This mixed sentiment among institutional investors could impact future investment inflows, making it vital for the company to enhance its communication and engagement with both domestic and foreign investors to bolster confidence and attract further investment.
Outlook, Risks, and Final Insight
Looking ahead, Arman Financial Services Ltd faces a landscape filled with both opportunities and challenges. The company’s ability to sustain its revenue growth while managing increasing interest expenses will be critical. Additionally, the volatility in net profit, especially with recent losses reported, raises questions about operational resilience. Investors should be mindful of the economic environment, as rising interest rates could further strain margins and profitability. The heavy reliance on debt also poses a risk, particularly if cash flows do not keep pace with obligations. On the upside, if Arman can successfully navigate these challenges and maintain its growth trajectory, it may enhance its appeal to investors. Overall, while the current financial metrics present a story of potential, the underlying risks necessitate a cautious approach for any investor looking to engage with Arman Financial Services Ltd. Balancing growth with prudent financial management will be key as the company moves forward in a competitive market.
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 | 12.1 Cr. | 1.21 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.33 Cr. | 0.93 | 9.18/0.85 | 27.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 436 Cr. | 133 | 269/126 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.6 Cr. | 17.0 | 34.4/15.0 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 38.3 Cr. | 85.2 | 165/74.8 | 20.5 | 238 | 1.17 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,825.22 Cr | 440.63 | 50.24 | 522.84 | 0.23% | 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: 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 - 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 | 88,329 | 1.07 | 14.41 | 91,110 | 2025-12-08 06:52:03 | -3.05% |
| UTI Small Cap Fund | 60,369 | 0.2 | 9.85 | N/A | N/A | N/A |
| WhiteOak Capital Flexi Cap Fund | 39,558 | 0.1 | 6.45 | 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 (%) | 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: 0 (Industry average Stock P/E: 50.24)
- 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 financial service activities, except insurance and pension funding activities. 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. 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 12 December 2025) is 626.82 which is 56.04% lower the current market price of 1,426.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,499 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 1,499 Cr..
What is the current Stock Price of Arman Financial Services Ltd as on 12 December 2025?
The current stock price of Arman Financial Services Ltd as on 12 December 2025 is 1,426.
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.