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Last Updated on: 30 August, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 530245 | NSE: ARYAMAN

Aryaman Financial Services Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 29, 2025, 7:43 pm

Market Cap 1,239 Cr.
Current Price 1,012
High / Low 1,100/375
Stock P/E32.7
Book Value 105
Dividend Yield0.00 %
ROCE31.9 %
ROE31.3 %
Face Value 10.0
PEG Ratio0.30

Quick Insight

Aryaman Financial Services Ltd, an NBFC, currently trades at a price of 1,043 with a market capitalization of 1,277 Cr. The company's P/E stands at 33.7, showcasing solid earnings potential, while ROE and ROCE at 31.3% and 31.9% respectively indicate efficient capital utilization. Operating profit margin of 52% reflects strong operational efficiency, contributing to a net profit of 45 Cr. However, with N/A listed for major shareholders, including promoters, FIIs, DIIs, and the public, transparency could be a concern. The company's healthy reserves of 116 Cr, manageable borrowings of ₹28 Cr, and a comfortable interest coverage ratio of 16.08x provide a stable financial base. Aryaman Financial Services Ltd's high P/BV ratio of 4.85x suggests investors are willing to pay a premium for its assets, possibly due to growth prospects. With a Cash Conversion Cycle of 124 days, the company may need to focus on optimizing working capital management. In conclusion, Aryaman Financial Services Ltd presents a mixed picture with strong financial metrics but potential red flags regarding ownership structure and working capital efficiency.

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Aryaman Financial Services Ltd

Competitors of Aryaman 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 13.2 Cr. 1.32 1.91/0.7888.0 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 15.8 Cr. 1.57 15.6/1.0624.6 1.570.00 %2.44 %4.84 % 1.00
Moneyboxx Finance Ltd 436 Cr. 133 305/130 79.80.00 %8.73 %0.58 % 10.0
Moongipa Capital Finance Ltd 16.6 Cr. 18.1 41.0/17.512.4 24.90.00 %15.0 %9.43 % 10.0
Morarka Finance Ltd 42.8 Cr. 95.2 191/90.033.2 2121.05 %2.46 %2.17 % 10.0
Industry Average26,747.26 Cr499.8898.58498.560.20%15.80%8.89%8.48

All Competitor Stocks of Aryaman Financial Services Ltd

Quarterly Result

MetricJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Sales 97251312321761125383929
Expenses 851815101085416112914
Operating Profit 227-31218179261115
OPM % 18%23%29%-23%11%67%50%18%65%35%70%27%52%
Other Income 0011111111121
Interest 1111111111111
Depreciation 0000000000000
Profit before tax 117-31218279261216
Tax % 24%15%11%-4%25%13%16%16%14%24%16%13%15%
Net Profit 116-31187167221113
EPS in Rs 0.680.823.70-1.840.639.234.420.823.144.5212.196.838.20

Last Updated: August 19, 2025, 11:20 pm

Below is a detailed analysis of the quarterly data for Aryaman Financial Services Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

  • For Sales, as of Jun 2025, the value is 29.00 Cr.. The value appears to be declining and may need further review. It has decreased from 39.00 Cr. (Mar 2025) to 29.00 Cr., marking a decrease of 10.00 Cr..
  • For Expenses, as of Jun 2025, the value is 14.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 29.00 Cr. (Mar 2025) to 14.00 Cr., marking a decrease of 15.00 Cr..
  • For Operating Profit, as of Jun 2025, the value is 15.00 Cr.. The value appears strong and on an upward trend. It has increased from 11.00 Cr. (Mar 2025) to 15.00 Cr., marking an increase of 4.00 Cr..
  • For OPM %, as of Jun 2025, the value is 52.00%. The value appears strong and on an upward trend. It has increased from 27.00% (Mar 2025) to 52.00%, marking an increase of 25.00%.
  • For Other Income, as of Jun 2025, the value is 1.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2.00 Cr. (Mar 2025) to 1.00 Cr., marking a decrease of 1.00 Cr..
  • For Interest, as of Jun 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.00 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 16.00 Cr.. The value appears strong and on an upward trend. It has increased from 12.00 Cr. (Mar 2025) to 16.00 Cr., marking an increase of 4.00 Cr..
  • For Tax %, as of Jun 2025, the value is 15.00%. The value appears to be increasing, which may not be favorable. It has increased from 13.00% (Mar 2025) to 15.00%, marking an increase of 2.00%.
  • For Net Profit, as of Jun 2025, the value is 13.00 Cr.. The value appears strong and on an upward trend. It has increased from 11.00 Cr. (Mar 2025) to 13.00 Cr., marking an increase of 2.00 Cr..
  • For EPS in Rs, as of Jun 2025, the value is 8.20. The value appears strong and on an upward trend. It has increased from 6.83 (Mar 2025) to 8.20, marking an increase of 1.37.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: May 15, 2025, 4:25 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Sales 691328398789138855670113
Expenses 58122535828513474463460
Operating Profit 1114554411103653
OPM % 14%8%8%13%12%6%5%3%13%17%51%47%
Other Income 000000000005
Interest 000012332344
Depreciation 000000000000
Profit before tax 11134211863254
Tax % 21%25%25%24%22%26%29%23%11%19%14%17%
Net Profit 00123211852845
EPS in Rs 0.440.350.612.052.411.520.780.663.993.3615.1127.02
Dividend Payout % 0%0%0%0%0%0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)100.00%50.00%-33.33%-50.00%0.00%700.00%-37.50%460.00%60.71%
Change in YoY Net Profit Growth (%)0.00%-50.00%-83.33%-16.67%50.00%700.00%-737.50%497.50%-399.29%

Aryaman Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 9 years from 2016-2017 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:29%
5 Years:5%
3 Years:10%
TTM:99%
Compounded Profit Growth
10 Years:56%
5 Years:103%
3 Years:89%
TTM:84%
Stock Price CAGR
10 Years:53%
5 Years:79%
3 Years:169%
1 Year:153%
Return on Equity
10 Years:16%
5 Years:20%
3 Years:25%
Last Year:31%

Last Updated: Unknown

Balance Sheet

Last Updated: July 25, 2025, 1:50 pm

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital 111111121212121212121212
Reserves 3561417191824304461116
Borrowings 11031832332831414628
Other Liabilities 14581816142026364168
Total Liabilities 172122376579778399133160225
Fixed Assets 222322222222
CWIP 000000000000
Investments 576243528213039586297
Other Assets 1012141128495451587396125
Total Assets 172122376579778399133160225

Below is a detailed analysis of the balance sheet data for Aryaman 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 12.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 12.00 Cr..
  • For Reserves, as of Mar 2025, the value is 116.00 Cr.. The value appears strong and on an upward trend. It has increased from 61.00 Cr. (Mar 2024) to 116.00 Cr., marking an increase of 55.00 Cr..
  • For Borrowings, as of Mar 2025, the value is 28.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 46.00 Cr. (Mar 2024) to 28.00 Cr., marking a decrease of 18.00 Cr..
  • For Other Liabilities, as of Mar 2025, the value is 68.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 41.00 Cr. (Mar 2024) to 68.00 Cr., marking an increase of 27.00 Cr..
  • For Total Liabilities, as of Mar 2025, the value is 225.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 160.00 Cr. (Mar 2024) to 225.00 Cr., marking an increase of 65.00 Cr..
  • For Fixed Assets, as of Mar 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 2.00 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 97.00 Cr.. The value appears strong and on an upward trend. It has increased from 62.00 Cr. (Mar 2024) to 97.00 Cr., marking an increase of 35.00 Cr..
  • For Other Assets, as of Mar 2025, the value is 125.00 Cr.. The value appears strong and on an upward trend. It has increased from 96.00 Cr. (Mar 2024) to 125.00 Cr., marking an increase of 29.00 Cr..
  • For Total Assets, as of Mar 2025, the value is 225.00 Cr.. The value appears strong and on an upward trend. It has increased from 160.00 Cr. (Mar 2024) to 225.00 Cr., marking an increase of 65.00 Cr..

Notably, the Reserves (116.00 Cr.) exceed the Borrowings (28.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity +-11-06-7-17-51417112646
Cash from Investing Activity +-3-22-11-7862-31-6-12
Cash from Financing Activity +43-151412-2-8072-8
Net Cash Flow011002-2814192126

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow0.000.001.001.00-13.00-27.00-29.00-24.00-20.00-31.00-10.0025.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days792221101221
Inventory Days446204194815115016578108146260134
Days Payable43434690115211
Cash Conversion Cycle449210192710714216677108143260124
Working Capital Days9288119-38101233799711910556
ROCE %5%4%4%12%9%7%6%5%12%9%26%32%

Financial Efficiency Indicators Chart

No valid data available for the Shareholding

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 38.6423.554.406.440.71
Diluted EPS (Rs.) 38.6423.554.406.440.71
Cash EPS (Rs.) 37.0323.684.536.550.83
Book Value[Excl.RevalReserv]/Share (Rs.) 105.1262.3971.8154.2844.51
Book Value[Incl.RevalReserv]/Share (Rs.) 105.1262.3971.8154.2844.51
Revenue From Operations / Share (Rs.) 92.1656.6245.8271.79117.58
PBDIT / Share (Rs.) 47.2830.858.239.383.42
PBIT / Share (Rs.) 47.1530.728.109.273.31
PBT / Share (Rs.) 44.2127.505.407.210.91
Net Profit / Share (Rs.) 36.9123.554.406.440.71
NP After MI And SOA / Share (Rs.) 25.7715.113.363.990.65
PBDIT Margin (%) 51.3054.4717.9613.062.91
PBIT Margin (%) 51.1654.2417.6712.912.81
PBT Margin (%) 47.9748.5611.7910.030.77
Net Profit Margin (%) 40.0441.589.608.970.60
NP After MI And SOA Margin (%) 27.9626.677.335.550.55
Return on Networth / Equity (%) 24.5124.216.9911.042.16
Return on Capital Employeed (%) 30.5231.6910.4616.037.09
Return On Assets (%) 14.0211.012.964.710.91
Total Debt / Equity (X) 0.210.630.720.720.79
Asset Turnover Ratio (%) 0.580.450.460.921.72
Current Ratio (X) 6.203.343.073.082.78
Quick Ratio (X) 5.763.002.682.421.82
Interest Coverage Ratio (X) 16.089.593.054.541.43
Interest Coverage Ratio (Post Tax) (X) 13.558.322.634.121.30
Enterprise Value (Cr.) 604.99294.86148.7178.6175.13
EV / Net Operating Revenue (X) 5.364.462.780.930.54
EV / EBITDA (X) 10.458.1815.467.1718.77
MarketCap / Net Operating Revenue (X) 5.534.342.470.710.36
Price / BV (X) 4.853.942.351.421.41
Price / Net Operating Revenue (X) 5.534.342.470.710.36
EarningsYield 0.050.060.020.070.01

After reviewing the key financial ratios for Aryaman 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 38.64. This value is within the healthy range. It has increased from 23.55 (Mar 24) to 38.64, marking an increase of 15.09.
  • For Diluted EPS (Rs.), as of Mar 25, the value is 38.64. This value is within the healthy range. It has increased from 23.55 (Mar 24) to 38.64, marking an increase of 15.09.
  • For Cash EPS (Rs.), as of Mar 25, the value is 37.03. This value is within the healthy range. It has increased from 23.68 (Mar 24) to 37.03, marking an increase of 13.35.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 105.12. It has increased from 62.39 (Mar 24) to 105.12, marking an increase of 42.73.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 105.12. It has increased from 62.39 (Mar 24) to 105.12, marking an increase of 42.73.
  • For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 92.16. It has increased from 56.62 (Mar 24) to 92.16, marking an increase of 35.54.
  • For PBDIT / Share (Rs.), as of Mar 25, the value is 47.28. This value is within the healthy range. It has increased from 30.85 (Mar 24) to 47.28, marking an increase of 16.43.
  • For PBIT / Share (Rs.), as of Mar 25, the value is 47.15. This value is within the healthy range. It has increased from 30.72 (Mar 24) to 47.15, marking an increase of 16.43.
  • For PBT / Share (Rs.), as of Mar 25, the value is 44.21. This value is within the healthy range. It has increased from 27.50 (Mar 24) to 44.21, marking an increase of 16.71.
  • For Net Profit / Share (Rs.), as of Mar 25, the value is 36.91. This value is within the healthy range. It has increased from 23.55 (Mar 24) to 36.91, marking an increase of 13.36.
  • For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 25.77. This value is within the healthy range. It has increased from 15.11 (Mar 24) to 25.77, marking an increase of 10.66.
  • For PBDIT Margin (%), as of Mar 25, the value is 51.30. This value is within the healthy range. It has decreased from 54.47 (Mar 24) to 51.30, marking a decrease of 3.17.
  • For PBIT Margin (%), as of Mar 25, the value is 51.16. This value exceeds the healthy maximum of 20. It has decreased from 54.24 (Mar 24) to 51.16, marking a decrease of 3.08.
  • For PBT Margin (%), as of Mar 25, the value is 47.97. This value is within the healthy range. It has decreased from 48.56 (Mar 24) to 47.97, marking a decrease of 0.59.
  • For Net Profit Margin (%), as of Mar 25, the value is 40.04. This value exceeds the healthy maximum of 10. It has decreased from 41.58 (Mar 24) to 40.04, marking a decrease of 1.54.
  • For NP After MI And SOA Margin (%), as of Mar 25, the value is 27.96. This value exceeds the healthy maximum of 20. It has increased from 26.67 (Mar 24) to 27.96, marking an increase of 1.29.
  • For Return on Networth / Equity (%), as of Mar 25, the value is 24.51. This value is within the healthy range. It has increased from 24.21 (Mar 24) to 24.51, marking an increase of 0.30.
  • For Return on Capital Employeed (%), as of Mar 25, the value is 30.52. This value is within the healthy range. It has decreased from 31.69 (Mar 24) to 30.52, marking a decrease of 1.17.
  • For Return On Assets (%), as of Mar 25, the value is 14.02. This value is within the healthy range. It has increased from 11.01 (Mar 24) to 14.02, marking an increase of 3.01.
  • For Total Debt / Equity (X), as of Mar 25, the value is 0.21. This value is within the healthy range. It has decreased from 0.63 (Mar 24) to 0.21, marking a decrease of 0.42.
  • For Asset Turnover Ratio (%), as of Mar 25, the value is 0.58. It has increased from 0.45 (Mar 24) to 0.58, marking an increase of 0.13.
  • For Current Ratio (X), as of Mar 25, the value is 6.20. This value exceeds the healthy maximum of 3. It has increased from 3.34 (Mar 24) to 6.20, marking an increase of 2.86.
  • For Quick Ratio (X), as of Mar 25, the value is 5.76. This value exceeds the healthy maximum of 2. It has increased from 3.00 (Mar 24) to 5.76, marking an increase of 2.76.
  • For Interest Coverage Ratio (X), as of Mar 25, the value is 16.08. This value is within the healthy range. It has increased from 9.59 (Mar 24) to 16.08, marking an increase of 6.49.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 13.55. This value is within the healthy range. It has increased from 8.32 (Mar 24) to 13.55, marking an increase of 5.23.
  • For Enterprise Value (Cr.), as of Mar 25, the value is 604.99. It has increased from 294.86 (Mar 24) to 604.99, marking an increase of 310.13.
  • For EV / Net Operating Revenue (X), as of Mar 25, the value is 5.36. This value exceeds the healthy maximum of 3. It has increased from 4.46 (Mar 24) to 5.36, marking an increase of 0.90.
  • For EV / EBITDA (X), as of Mar 25, the value is 10.45. This value is within the healthy range. It has increased from 8.18 (Mar 24) to 10.45, marking an increase of 2.27.
  • For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 5.53. This value exceeds the healthy maximum of 3. It has increased from 4.34 (Mar 24) to 5.53, marking an increase of 1.19.
  • For Price / BV (X), as of Mar 25, the value is 4.85. This value exceeds the healthy maximum of 3. It has increased from 3.94 (Mar 24) to 4.85, marking an increase of 0.91.
  • For Price / Net Operating Revenue (X), as of Mar 25, the value is 5.53. This value exceeds the healthy maximum of 3. It has increased from 4.34 (Mar 24) to 5.53, marking an increase of 1.19.
  • For EarningsYield, as of Mar 25, the value is 0.05. This value is below the healthy minimum of 5. It has decreased from 0.06 (Mar 24) to 0.05, marking a decrease of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Aryaman Financial Services Ltd as of August 30, 2025 is: 876.94

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.

As of August 30, 2025, Aryaman Financial Services Ltd is Overvalued by 13.35% compared to the current share price 1,012.00

Intrinsic Value of Aryaman Financial Services Ltd as of August 30, 2025 is: 1,842.46

Calculation basis:

  • Intrinsic 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 intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of August 30, 2025, Aryaman Financial Services Ltd is Undervalued by 82.06% compared to the current share price 1,012.00

Last 5 Year EPS CAGR: 110.10%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The company has higher reserves (29.75 cr) compared to borrowings (21.83 cr), indicating strong financial stability.
  2. The company has shown consistent growth in sales (61.08 cr) and profit (9.50 cr) over the years.
  1. The stock has a low average ROCE of 10.92%, which may not be favorable.
  2. The stock has a high average Working Capital Days of 71.08, which may not be favorable.
  3. The stock has a high average Cash Conversion Cycle of 165.42, which may not be favorable.

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 Aryaman Financial Services Ltd:
    1. Net Profit Margin: 40.04%
      • 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.
    2. ROCE: 30.52% (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.
    3. ROE%: 24.51% (Industry Average ROE: 8.89%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 13.55
      • 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.
    5. Quick Ratio: 5.76
      • 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.
    6. Stock P/E: 32.7 (Industry average Stock P/E: 98.58)
      • 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.
    7. Total Debt / Equity: 0.21
      • 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

Aryaman Financial Services Ltd. is a Public Limited Listed company incorporated on 11/05/1994 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L74899DL1994PLC059009 and registration number is 059009. Currently Company is involved in the business activities of Security and commodity contracts brokerage. Company's Total Operating Revenue is Rs. 19.97 Cr. and Equity Capital is Rs. 12.25 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)102, Ganga Chambers, 6A/1, W.E.A., Karol Bagh, New Delhi Delhi 110005info@afsl.co.in
http://www.afsl.co.in
Management
NamePosition Held
Mr. Shripal ShahExecutive Director
Mr. Shreyas ShahExecutive Director
Mrs. Meloni ShahNon Executive Director
Mr. Prasad Anant MuleyIndependent Director
Mr. Prakash Lavji VaghelaIndependent Director
Ms. Damini BaidIndependent Director

FAQ

What is the intrinsic value of Aryaman Financial Services Ltd?

Aryaman Financial Services Ltd's intrinsic value (as of 29 August 2025) is 876.94 which is 13.35% lower the current market price of ₹1,012.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,239 Cr. market cap, FY2025-2026 high/low of 1,100/375, reserves of ₹116 Cr, and liabilities of 225 Cr.

What is the Market Cap of Aryaman Financial Services Ltd?

The Market Cap of Aryaman Financial Services Ltd is 1,239 Cr..

What is the current Stock Price of Aryaman Financial Services Ltd as on 29 August 2025?

The current stock price of Aryaman Financial Services Ltd as on 29 August 2025 is 1,012.

What is the High / Low of Aryaman Financial Services Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Aryaman Financial Services Ltd stocks is 1,100/375.

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

The Stock P/E of Aryaman Financial Services Ltd is 32.7.

What is the Book Value of Aryaman Financial Services Ltd?

The Book Value of Aryaman Financial Services Ltd is 105.

What is the Dividend Yield of Aryaman Financial Services Ltd?

The Dividend Yield of Aryaman Financial Services Ltd is 0.00 %.

What is the ROCE of Aryaman Financial Services Ltd?

The ROCE of Aryaman Financial Services Ltd is 31.9 %.

What is the ROE of Aryaman Financial Services Ltd?

The ROE of Aryaman Financial Services Ltd is 31.3 %.

What is the Face Value of Aryaman Financial Services Ltd?

The Face Value of Aryaman Financial Services Ltd is 10.0.

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 Aryaman 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