Aryaman Financial Services Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 8, 2025, 6:36 pm

Quick Insight

Aryaman Financial Services Ltd, a Non-Banking Financial Company, is currently trading at ₹706 with a market cap of ₹825 Cr. The stock is valued at a P/E ratio of 26.1, indicating investor confidence in future earnings growth. With a robust ROE and ROCE at 31.3% and 31.9% respectively, the company is efficiently utilizing its capital. The healthy OPM of 27% and a high Net Profit of 45 Cr reflect strong operational performance. However, the high P/BV ratio of 4.85x suggests the stock may be overvalued. Investors should closely monitor the company's borrowings of ₹28 Cr and ICR of 16.08x to assess its financial stability.

Competitors of Aryaman Financial Services Ltd

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Quarterly Result

Last Updated: May 31, 2025, 6:56 am

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

• For Sales, as of Mar 2025, the value is 39.00 Cr.. The value appears strong and on an upward trend. It has increased from 38.00 Cr. (Dec 2024) to 39.00 Cr., marking an increase of 1.00 Cr..
• For Expenses, as of Mar 2025, the value is 29.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11.00 Cr. (Dec 2024) to 29.00 Cr., marking an increase of 18.00 Cr..
• For Operating Profit, as of Mar 2025, the value is 11.00 Cr.. The value appears to be declining and may need further review. It has decreased from 26.00 Cr. (Dec 2024) to 11.00 Cr., marking a decrease of 15.00 Cr..
• For OPM %, as of Mar 2025, the value is 27.00%. The value appears to be declining and may need further review. It has decreased from 70.00% (Dec 2024) to 27.00%, marking a decrease of 43.00%.
• For Other Income, as of Mar 2025, the value is 2.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Dec 2024) to 2.00 Cr., marking an increase of 1.00 Cr..
• For Interest, as of Mar 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 1.00 Cr..
• For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
• For Profit before tax, as of Mar 2025, the value is 12.00 Cr.. The value appears to be declining and may need further review. It has decreased from 26.00 Cr. (Dec 2024) to 12.00 Cr., marking a decrease of 14.00 Cr..
• For Tax %, as of Mar 2025, the value is 13.00%. The value appears to be improving (decreasing) as expected. It has decreased from 16.00% (Dec 2024) to 13.00%, marking a decrease of 3.00%.
• For Net Profit, as of Mar 2025, the value is 11.00 Cr.. The value appears to be declining and may need further review. It has decreased from 22.00 Cr. (Dec 2024) to 11.00 Cr., marking a decrease of 11.00 Cr..
• For EPS in Rs, as of Mar 2025, the value is 7.16. The value appears to be declining and may need further review. It has decreased from 12.19 (Dec 2024) to 7.16, marking a decrease of 5.03.

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

Profit & Loss - Annual Report

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

Growth

Last Updated: Unknown

Balance Sheet

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

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.

Cash Flow

Free Cash Flow

Share Holding Pattern

Key Financial Ratios

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.

Fair Value

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Strength and Weakness