Share Price and Basic Stock Data
Last Updated: December 30, 2025, 8:03 pm
| PEG Ratio | 0.37 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Aryaman Financial Services Ltd operates as a Non-Banking Financial Company (NBFC) and has demonstrated fluctuating revenue trends over recent quarters. The company reported sales of ₹7 Cr in September 2022, which rose to ₹32 Cr by September 2023. This impressive growth trajectory highlights a significant recovery from a low of ₹6 Cr in March 2024. However, the subsequent quarters indicate volatility, with sales dipping to ₹11 Cr in June 2024 before rebounding to ₹25 Cr in September 2024 and reaching ₹38 Cr in December 2024. For the trailing twelve months (TTM), sales stood at ₹125 Cr. Overall, while Aryaman Financial Services has shown resilience in its revenue generation, the fluctuations suggest a need for strategic stability to ensure consistent growth. Comparatively, the overall financial services sector is witnessing a growth rate of around 10-15%, making Aryaman’s growth notable but also indicative of the inherent volatility in the NBFC space.
Profitability and Efficiency Metrics
The profitability metrics of Aryaman Financial Services Ltd reflect a robust operating performance, with an operating profit margin (OPM) reported at 62%. This high-margin figure indicates effective cost management and operational efficiency, particularly when compared to typical sector averages, which hover around 20-30% for NBFCs. The net profit for the company rose to ₹56 Cr, translating to a net profit margin of approximately 40.04% for FY 2025. The return on equity (ROE) stood at an impressive 31.3%, while return on capital employed (ROCE) was recorded at 31.9%, both of which are significantly above industry norms. Aryaman’s interest coverage ratio of 16.07x further underscores its ability to meet interest obligations comfortably, indicating strong earnings relative to interest expenses. However, the company’s fluctuating quarterly performance, especially the losses reported in March 2023, underscores potential volatility in profitability, which could be a concern for investors.
Balance Sheet Strength and Financial Ratios
Aryaman Financial Services Ltd exhibits a robust balance sheet, characterized by a market capitalization of ₹805 Cr and a price-to-book value (P/BV) ratio of 4.85x. The company has maintained zero borrowings, which is particularly noteworthy in the financial services sector, where leverage is common. Reserves grew significantly from ₹44 Cr in March 2023 to ₹138 Cr by September 2025, reflecting prudent capital management and retained earnings. The current ratio of 7.12x indicates excellent liquidity, far exceeding the typical benchmark of 1.5x for financial firms, which suggests Aryaman is well-positioned to cover its short-term liabilities. Moreover, the debt-to-equity ratio standing at 0.21x presents a conservative capital structure, further enhancing financial stability. However, the company’s reliance on equity financing may limit growth potential if not balanced with strategic debt utilization.
Shareholding Pattern and Investor Confidence
The shareholding structure of Aryaman Financial Services Ltd is predominantly held by promoters, who own 63.92% of the company, reflecting strong insider confidence. Institutional investors, including foreign institutional investors (FIIs), are absent, while domestic institutional investors (DIIs) hold a mere 0.01%. The public shareholding comprises 36.07%, which indicates a relatively low level of institutional interest and could suggest a lack of confidence from larger investment bodies. The total number of shareholders has increased from 1,600 in March 2023 to 2,731 by September 2025, indicating growing retail investor interest. However, the limited participation from institutional investors may raise concerns regarding the stock’s stability and perceived growth potential in the eyes of larger market players. This mixed sentiment could influence future stock performance and market perception.
Outlook, Risks, and Final Insight
Aryaman Financial Services Ltd’s outlook appears cautiously optimistic, bolstered by strong profitability metrics and a solid balance sheet. However, the company faces risks related to revenue volatility, as evidenced by its fluctuating sales and occasional quarterly losses. Additionally, the lack of institutional investor participation may hinder stock liquidity and market confidence. Future growth will depend on Aryaman’s ability to stabilize revenue streams and attract broader institutional interest. Strategic initiatives focusing on expanding the customer base and enhancing service offerings could mitigate these risks and drive sustainable growth. If the company successfully navigates these challenges, it has the potential to enhance its market position significantly. Conversely, failure to maintain operational efficiency and manage market perceptions could lead to stagnation in performance and investor sentiment.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 14.1 Cr. | 1.41 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.33 Cr. | 0.73 | 8.60/0.73 | 21.6 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 459 Cr. | 62.5 | 127/59.1 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.4 Cr. | 16.8 | 34.4/15.0 | 11.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 36.5 Cr. | 81.0 | 157/74.8 | 19.5 | 238 | 1.23 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 27,785.24 Cr | 436.98 | 52.45 | 522.46 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 7 | 25 | 13 | 12 | 32 | 17 | 6 | 11 | 25 | 38 | 39 | 29 | 19 |
| Expenses | 5 | 18 | 15 | 10 | 10 | 8 | 5 | 4 | 16 | 11 | 29 | 14 | 7 |
| Operating Profit | 2 | 7 | -3 | 1 | 21 | 8 | 1 | 7 | 9 | 26 | 11 | 15 | 12 |
| OPM % | 23% | 29% | -23% | 11% | 67% | 50% | 18% | 65% | 35% | 70% | 27% | 52% | 62% |
| Other Income | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 2 |
| Interest | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1 | 7 | -3 | 1 | 21 | 8 | 2 | 7 | 9 | 26 | 12 | 16 | 13 |
| Tax % | 15% | 11% | -4% | 25% | 13% | 16% | 16% | 14% | 24% | 16% | 13% | 15% | 22% |
| Net Profit | 1 | 6 | -3 | 1 | 18 | 7 | 1 | 6 | 7 | 22 | 11 | 13 | 10 |
| EPS in Rs | 0.82 | 3.70 | -1.84 | 0.63 | 9.23 | 4.42 | 0.82 | 3.14 | 4.52 | 12.19 | 6.83 | 8.20 | 6.57 |
Last Updated: December 28, 2025, 2:04 am
Below is a detailed analysis of the quarterly data for Aryaman Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 19.00 Cr.. The value appears to be declining and may need further review. It has decreased from 29.00 Cr. (Jun 2025) to 19.00 Cr., marking a decrease of 10.00 Cr..
- For Expenses, as of Sep 2025, the value is 7.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 14.00 Cr. (Jun 2025) to 7.00 Cr., marking a decrease of 7.00 Cr..
- For Operating Profit, as of Sep 2025, the value is 12.00 Cr.. The value appears to be declining and may need further review. It has decreased from 15.00 Cr. (Jun 2025) to 12.00 Cr., marking a decrease of 3.00 Cr..
- For OPM %, as of Sep 2025, the value is 62.00%. The value appears strong and on an upward trend. It has increased from 52.00% (Jun 2025) to 62.00%, marking an increase of 10.00%.
- For Other Income, as of Sep 2025, the value is 2.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Jun 2025) to 2.00 Cr., marking an increase of 1.00 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1.00 Cr. (Jun 2025) to 0.00 Cr., marking a decrease of 1.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 13.00 Cr.. The value appears to be declining and may need further review. It has decreased from 16.00 Cr. (Jun 2025) to 13.00 Cr., marking a decrease of 3.00 Cr..
- For Tax %, as of Sep 2025, the value is 22.00%. The value appears to be increasing, which may not be favorable. It has increased from 15.00% (Jun 2025) to 22.00%, marking an increase of 7.00%.
- For Net Profit, as of Sep 2025, the value is 10.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13.00 Cr. (Jun 2025) to 10.00 Cr., marking a decrease of 3.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 6.57. The value appears to be declining and may need further review. It has decreased from 8.20 (Jun 2025) to 6.57, marking a decrease of 1.63.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:11 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6 | 9 | 13 | 28 | 39 | 87 | 89 | 138 | 85 | 56 | 70 | 118 | 125 |
| Expenses | 5 | 8 | 12 | 25 | 35 | 82 | 85 | 134 | 74 | 46 | 34 | 60 | 61 |
| Operating Profit | 1 | 1 | 1 | 4 | 5 | 5 | 4 | 4 | 11 | 10 | 36 | 58 | 64 |
| OPM % | 14% | 8% | 8% | 13% | 12% | 6% | 5% | 3% | 13% | 17% | 51% | 49% | 51% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 |
| Interest | 0 | 0 | 0 | 0 | 1 | 2 | 3 | 3 | 2 | 3 | 4 | 4 | 2 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1 | 1 | 1 | 3 | 4 | 2 | 1 | 1 | 8 | 6 | 32 | 54 | 67 |
| Tax % | 21% | 25% | 25% | 24% | 22% | 26% | 29% | 23% | 11% | 19% | 14% | 17% | |
| Net Profit | 0 | 0 | 1 | 2 | 3 | 2 | 1 | 1 | 8 | 5 | 28 | 45 | 56 |
| EPS in Rs | 0.44 | 0.35 | 0.61 | 2.05 | 2.41 | 1.52 | 0.78 | 0.66 | 3.99 | 3.36 | 15.11 | 25.77 | 33.79 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|
| 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: | 50% |
| 5 Years: | 71% |
| 3 Years: | 146% |
| 1 Year: | 87% |
| Return on Equity | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 20% |
| 3 Years: | 25% |
| Last Year: | 31% |
Last Updated: September 5, 2025, 2:26 pm
Balance Sheet
Last Updated: December 10, 2025, 3:50 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 | 11 | 11 | 11 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 |
| Reserves | 3 | 5 | 6 | 14 | 17 | 19 | 18 | 24 | 30 | 44 | 61 | 116 | 138 |
| Borrowings | 1 | 1 | 0 | 3 | 18 | 32 | 33 | 28 | 31 | 41 | 46 | 28 | 0 |
| Other Liabilities | 1 | 4 | 5 | 8 | 18 | 16 | 14 | 20 | 26 | 36 | 41 | 68 | 76 |
| Total Liabilities | 17 | 21 | 22 | 37 | 65 | 79 | 77 | 83 | 99 | 133 | 160 | 225 | 226 |
| Fixed Assets | 2 | 2 | 2 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 5 | 7 | 6 | 24 | 35 | 28 | 21 | 30 | 39 | 58 | 62 | 97 | 105 |
| Other Assets | 10 | 12 | 14 | 11 | 28 | 49 | 54 | 51 | 58 | 73 | 96 | 125 | 119 |
| Total Assets | 17 | 21 | 22 | 37 | 65 | 79 | 77 | 83 | 99 | 133 | 160 | 225 | 226 |
Below is a detailed analysis of the balance sheet data for Aryaman 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 12.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 12.00 Cr..
- For Reserves, as of Sep 2025, the value is 138.00 Cr.. The value appears strong and on an upward trend. It has increased from 116.00 Cr. (Mar 2025) to 138.00 Cr., marking an increase of 22.00 Cr..
- For Borrowings, as of Sep 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 28.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 28.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 76.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 68.00 Cr. (Mar 2025) to 76.00 Cr., marking an increase of 8.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 226.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 225.00 Cr. (Mar 2025) to 226.00 Cr., marking an increase of 1.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 3.00 Cr.. The value appears strong and on an upward trend. It has increased from 2.00 Cr. (Mar 2025) to 3.00 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 105.00 Cr.. The value appears strong and on an upward trend. It has increased from 97.00 Cr. (Mar 2025) to 105.00 Cr., marking an increase of 8.00 Cr..
- For Other Assets, as of Sep 2025, the value is 119.00 Cr.. The value appears to be declining and may need further review. It has decreased from 125.00 Cr. (Mar 2025) to 119.00 Cr., marking a decrease of 6.00 Cr..
- For Total Assets, as of Sep 2025, the value is 226.00 Cr.. The value appears strong and on an upward trend. It has increased from 225.00 Cr. (Mar 2025) to 226.00 Cr., marking an increase of 1.00 Cr..
Notably, the Reserves (138.00 Cr.) exceed the Borrowings (0.00 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.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 0.00 | 0.00 | 1.00 | 1.00 | -13.00 | -27.00 | -29.00 | -24.00 | -20.00 | -31.00 | -10.00 | 30.00 |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 7 | 9 | 2 | 2 | 2 | 1 | 1 | 0 | 1 | 2 | 2 | 1 |
| Inventory Days | 446 | 204 | 194 | 8 | 151 | 150 | 165 | 78 | 108 | 146 | 260 | 134 |
| Days Payable | 4 | 3 | 4 | 3 | 46 | 9 | 0 | 1 | 1 | 5 | 2 | 11 |
| Cash Conversion Cycle | 449 | 210 | 192 | 7 | 107 | 142 | 166 | 77 | 108 | 143 | 260 | 123 |
| Working Capital Days | 92 | 88 | 119 | -38 | 101 | 2 | 33 | 79 | 97 | 119 | 103 | 54 |
| ROCE % | 5% | 4% | 4% | 12% | 9% | 7% | 6% | 5% | 12% | 9% | 26% | 32% |
This stock is not held by any mutual fund.
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.) | 38.64 | 23.55 | 4.40 | 6.44 | 0.71 |
| Diluted EPS (Rs.) | 38.64 | 23.55 | 4.40 | 6.44 | 0.71 |
| Cash EPS (Rs.) | 37.03 | 23.68 | 4.53 | 6.55 | 0.83 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 105.12 | 62.39 | 71.81 | 54.28 | 44.51 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 105.12 | 62.39 | 71.81 | 54.28 | 44.51 |
| Revenue From Operations / Share (Rs.) | 92.16 | 56.62 | 45.82 | 71.79 | 117.58 |
| PBDIT / Share (Rs.) | 47.28 | 30.85 | 8.23 | 9.38 | 3.42 |
| PBIT / Share (Rs.) | 47.15 | 30.72 | 8.10 | 9.27 | 3.31 |
| PBT / Share (Rs.) | 44.21 | 27.50 | 5.40 | 7.21 | 0.91 |
| Net Profit / Share (Rs.) | 36.91 | 23.55 | 4.40 | 6.44 | 0.71 |
| NP After MI And SOA / Share (Rs.) | 25.77 | 15.11 | 3.36 | 3.99 | 0.65 |
| PBDIT Margin (%) | 51.30 | 54.47 | 17.96 | 13.06 | 2.91 |
| PBIT Margin (%) | 51.16 | 54.24 | 17.67 | 12.91 | 2.81 |
| PBT Margin (%) | 47.97 | 48.56 | 11.79 | 10.03 | 0.77 |
| Net Profit Margin (%) | 40.04 | 41.58 | 9.60 | 8.97 | 0.60 |
| NP After MI And SOA Margin (%) | 27.96 | 26.67 | 7.33 | 5.55 | 0.55 |
| Return on Networth / Equity (%) | 24.51 | 24.21 | 6.99 | 11.04 | 2.16 |
| Return on Capital Employeed (%) | 29.79 | 31.69 | 10.46 | 16.03 | 7.09 |
| Return On Assets (%) | 14.02 | 11.01 | 2.96 | 4.71 | 0.91 |
| Total Debt / Equity (X) | 0.21 | 0.63 | 0.72 | 0.72 | 0.79 |
| Asset Turnover Ratio (%) | 0.58 | 0.45 | 0.46 | 0.92 | 1.72 |
| Current Ratio (X) | 7.12 | 3.34 | 3.07 | 3.08 | 2.78 |
| Quick Ratio (X) | 6.61 | 3.00 | 2.68 | 2.42 | 1.82 |
| Inventory Turnover Ratio (X) | 7.12 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 16.07 | 9.59 | 3.05 | 4.54 | 1.43 |
| Interest Coverage Ratio (Post Tax) (X) | 13.55 | 8.32 | 2.63 | 4.12 | 1.30 |
| Enterprise Value (Cr.) | 604.99 | 294.86 | 148.71 | 78.61 | 75.13 |
| EV / Net Operating Revenue (X) | 5.36 | 4.46 | 2.78 | 0.93 | 0.54 |
| EV / EBITDA (X) | 10.45 | 8.18 | 15.46 | 7.17 | 18.77 |
| MarketCap / Net Operating Revenue (X) | 5.53 | 4.34 | 2.47 | 0.71 | 0.36 |
| Price / BV (X) | 4.85 | 3.94 | 2.35 | 1.42 | 1.41 |
| Price / Net Operating Revenue (X) | 5.53 | 4.34 | 2.47 | 0.71 | 0.36 |
| EarningsYield | 0.05 | 0.06 | 0.02 | 0.07 | 0.01 |
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 29.79. This value is within the healthy range. It has decreased from 31.69 (Mar 24) to 29.79, marking a decrease of 1.90.
- 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 7.12. This value exceeds the healthy maximum of 3. It has increased from 3.34 (Mar 24) to 7.12, marking an increase of 3.78.
- For Quick Ratio (X), as of Mar 25, the value is 6.61. This value exceeds the healthy maximum of 2. It has increased from 3.00 (Mar 24) to 6.61, marking an increase of 3.61.
- For Inventory Turnover Ratio (X), as of Mar 25, the value is 7.12. This value is within the healthy range. It has increased from 0.00 (Mar 24) to 7.12, marking an increase of 7.12.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 16.07. This value is within the healthy range. It has increased from 9.59 (Mar 24) to 16.07, marking an increase of 6.48.
- 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.
Strength and Weakness
| Strength | Weakness |
|---|---|
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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:
- 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.
- ROCE: 29.79% (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%: 24.51% (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): 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.
- Quick Ratio: 6.61
- 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: 19.8 (Industry average Stock P/E: 52.45)
- 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: 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.
Stock Rating: - Net Profit Margin: 40.04%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 102, Ganga Chambers, 6A/1, W.E.A., Karol Bagh, New Delhi Delhi 110051 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Shripal Shah | Executive Director |
| Mr. Shreyas Shah | Executive Director |
| Mrs. Meloni Shah | Non Executive Director |
| Mr. Prasad Anant Muley | Independent Director |
| Mr. Prakash Lavji Vaghela | Independent Director |
| Ms. Damini Baid | Independent Director |
FAQ
What is the intrinsic value of Aryaman Financial Services Ltd?
Aryaman Financial Services Ltd's intrinsic value (as of 30 December 2025) is 622.02 which is 5.47% lower the current market price of 658.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 805 Cr. market cap, FY2025-2026 high/low of 1,100/403, reserves of ₹138 Cr, and liabilities of 226 Cr.
What is the Market Cap of Aryaman Financial Services Ltd?
The Market Cap of Aryaman Financial Services Ltd is 805 Cr..
What is the current Stock Price of Aryaman Financial Services Ltd as on 30 December 2025?
The current stock price of Aryaman Financial Services Ltd as on 30 December 2025 is 658.
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 1,100/403.
What is the Stock P/E of Aryaman Financial Services Ltd?
The Stock P/E of Aryaman Financial Services Ltd is 19.8.
What is the Book Value of Aryaman Financial Services Ltd?
The Book Value of Aryaman Financial Services Ltd is 123.
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.