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Arman Financial Services Limited ARMANFIN NSEFINANCIAL

Financial Services · Credit Services · India
https://armanindia.com
Company Profile ↓
₹2,069.30
+46.81% 1Y
Mkt Cap₹2,175.44 Cr
P/E38.63
P/B2.29
52W High₹2,069.30
52W Low₹1,339.20
Book Value₹887.80
EPS (TTM)₹53.57

Company Overview

Arman Financial Services Limited, together with its subsidiary, operates as a non-banking finance company in India. The company offers micro, small, and medium enterprise loans; two wheeler loans; and micro finance loans as well as individual business loans and loan against property. The company was formerly known as Arman Lease and Finance Limited and changed its name to Arman Financial Services Limited in November 2008. Arman Financial Services Limited was incorporated in 1992 and is headquartered in Ahmedabad, India.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 16.2% CAGR over the past five years.

Healthy Margins

Operating margin of 31.0% supports profitability.

Recent Developments

  • Mar 2026 Revenue of ₹609.17 Cr (-5.5% YoY); net profit ₹56.61 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -5.5%, earnings +8.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 16.2%, profit CAGR -15.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:16.17%
1 Year:-5.48%

Compounded Profit Growth

5 Years:-15.50%
1 Year:8.70%

Stock Price Performance

1 Year:+46.81%
6 Months:+44.95%
3 Months:+28.60%
1 Month:+1.86%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
₹1,339.20 ₹2,069.30
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)61.79 · Neutral
Price Performance
1M+1.86%
3M+28.60%
6M+44.95%
1Y+46.81%
Valuation vs Sector

P/E of 38.63 is above the sector median of 19.62 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 16.2% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -15.5% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
38.63
Industry PE
19.62
Forward P/E est.
35.54
PEG Ratio
-
Book Value
₹887.80
Price to Book
2.29
P/S
7.31
EV/EBITDA
20.06
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
16.17%
Profit 5Y
-15.50%
Revenue (YoY)
-5.48%
Earnings (YoY)
8.70%

Profitability & Returns

ROCE
6.76%
ROE
6.06%
ROA
2.02%
Profit Margin
9.29%
Op Margin
31.01%
Gross Margin
41.61%
EPS (Latest Qtr)
₹38.82
EPS (TTM)
₹53.57

Balance Sheet & Liquidity

Debt/Equity
1.90
Quick Ratio
492.96
Current Ratio
1,429.52
Debt
₹1,775.72 Cr
Total Assets
₹2,797.81 Cr
Current Assets
₹2,732.82 Cr
Working Capital
₹2,730.91 Cr

Ownership

Promoter Holding
30.82%
Chg in Prom Hold
-
FII / Inst Holding
11.35%
Chg in FII Hold
0.13%

Financial Snapshot

Enterprise Value
₹2,175.44 Cr
Total Revenue (TTM)
₹609.17 Cr
EBITDA
₹190.60 Cr
Free Cash Flow
₹-479.51 Cr
Operating Cash Flow
₹-476.40 Cr
Shares Outstanding
₹1.05 Cr
Gross Margin
41.61%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ARMANFIN Arman Financial Services Limited NSEFINANCIAL 2,069.30 38.63 ₹2,175.44 Cr 0.00% 6.76% 6.06% 16.17% -15.50%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 149.00 Cr150.00 Cr160.00 Cr169.00 Cr183.00 Cr184.00 Cr181.00 Cr165.00 Cr148.70 Cr146.24 Cr144.96 Cr151.67 Cr166.29 Cr
Cost of Revenue --------83.98 Cr85.66 Cr86.05 Cr89.71 Cr94.26 Cr
Gross Profit --------64.72 Cr60.58 Cr58.91 Cr61.97 Cr72.03 Cr
Operating Expenses 37.00 Cr35.00 Cr34.00 Cr42.00 Cr55.00 Cr78.00 Cr93.00 Cr114.00 Cr13.74 Cr9.99 Cr16.95 Cr15.64 Cr21.99 Cr
Operating Income --------50.98 Cr50.59 Cr41.96 Cr46.33 Cr50.04 Cr
EBITDA --------51.46 Cr51.02 Cr42.41 Cr46.76 Cr50.41 Cr
Interest Expense 63.00 Cr64.00 Cr67.00 Cr71.00 Cr63.00 Cr65.00 Cr65.00 Cr57.00 Cr-----
Pretax Income 49.00 Cr50.00 Cr58.00 Cr55.00 Cr65.00 Cr41.00 Cr22.00 Cr-7.00 Cr12.66 Cr-11.17 Cr17.94 Cr28.50 Cr42.09 Cr
Tax Provision 12.74 Cr10.00 Cr17.40 Cr13.20 Cr13.65 Cr9.84 Cr7.04 Cr-35.00 L-10.64 L3.42 Cr9.94 Cr6.32 Cr1.07 Cr
Net Income 36.00 Cr40.00 Cr41.00 Cr42.00 Cr51.00 Cr31.00 Cr15.00 Cr-7.00 Cr12.76 Cr-14.58 Cr7.99 Cr22.18 Cr41.01 Cr
Diluted EPS 42.6347.0246.8642.9148.5129.8714.56-6.9212.07-13.907.5520.9938.82

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 30.00 Cr41.00 Cr54.00 Cr78.00 Cr139.00 Cr214.00 Cr195.00 Cr-388.53 Cr586.53 Cr644.48 Cr609.17 Cr
Cost of Revenue --------220.91 Cr322.71 Cr351.70 Cr355.68 Cr
Gross Profit --------167.62 Cr263.82 Cr292.78 Cr253.49 Cr
Operating Expenses 9.00 Cr12.00 Cr20.00 Cr34.00 Cr44.00 Cr72.00 Cr103.00 Cr-34.83 Cr70.77 Cr45.15 Cr64.58 Cr
Operating Income --------132.79 Cr193.05 Cr247.63 Cr188.91 Cr
EBITDA --------126.21 Cr229.59 Cr249.42 Cr190.60 Cr
Interest Expense 11.00 Cr16.00 Cr24.00 Cr34.00 Cr59.00 Cr88.00 Cr79.00 Cr11.88 L10.01 L8.15 L9.06 L-
Pretax Income 9.00 Cr12.00 Cr10.00 Cr10.00 Cr36.00 Cr54.00 Cr12.00 Cr-124.95 Cr228.09 Cr69.09 Cr77.36 Cr
Tax Provision 2.97 Cr4.08 Cr3.60 Cr2.60 Cr9.72 Cr12.42 Cr1.20 Cr-31.14 Cr54.52 Cr17.02 Cr20.75 Cr
Net Income 6.00 Cr8.00 Cr6.00 Cr7.00 Cr26.00 Cr42.00 Cr11.00 Cr-93.81 Cr173.57 Cr52.07 Cr56.61 Cr
Diluted EPS 10.7713.9911.0512.7645.9849.1312.51-107.28192.7649.2653.57

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 137.00 Cr195.00 Cr215.00 Cr465.00 Cr753.00 Cr896.00 Cr940.00 Cr-2,038.16 Cr2,635.06 Cr2,227.32 Cr2,797.81 Cr
Current Assets --------1,633.09 Cr2,211.24 Cr1,644.05 Cr2,732.82 Cr
Cash & Equivalents --------26.22 Cr118.59 Cr67.75 Cr87.78 Cr
Inventory ------------
Receivables ------------
Total Liabilities --------1,672.47 Cr1,822.37 Cr1,352.90 Cr1,864.48 Cr
Current Liabilities --------996.21 Cr1,196.20 Cr974.82 Cr1.91 Cr
Long Term Debt --------672.18 Cr622.40 Cr376.02 Cr1,775.72 Cr
Total Debt --------1,604.41 Cr1,724.93 Cr1,232.32 Cr1,775.72 Cr
Total Equity 39.00 Cr46.00 Cr51.00 Cr57.00 Cr123.00 Cr172.00 Cr186.00 Cr-365.69 Cr812.69 Cr874.41 Cr933.33 Cr
Shares Outstanding --------84.92 L1.05 Cr1.05 Cr1.05 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 7.00 Cr-1.00 Cr21.00 Cr-203.00 Cr-221.00 Cr-76.00 Cr6.00 Cr--717.66 Cr-302.40 Cr492.82 Cr-476.40 Cr
Investing Cash Flow -1.00 Cr-7.00 Cr-2.00 Cr-12.00 Cr-1.00 Cr2.00 Cr2.00 Cr--12.62 Cr18.38 Cr-48.80 Cr-49.68 Cr
Financing Cash Flow -5.00 Cr1.00 Cr-9.00 Cr205.00 Cr252.00 Cr94.00 Cr22.00 Cr-680.97 Cr376.39 Cr-494.85 Cr546.12 Cr
Capital Expenditure -1.00 Cr-1.00 Cr00-1.00 Cr-1.00 Cr-1.00 Cr--2.36 Cr-2.37 Cr-25.37 Cr-3.11 Cr
Free Cash Flow 6.00 Cr-2.00 Cr21.00 Cr-203.00 Cr-222.00 Cr-77.00 Cr5.00 Cr--720.02 Cr-304.78 Cr467.44 Cr-479.51 Cr
Net Change in Cash 1.00 Cr-7.00 Cr10.00 Cr-9.00 Cr30.00 Cr20.00 Cr30.00 Cr--49.31 Cr92.37 Cr-50.84 Cr20.03 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --------43.1%45.0%45.4%41.6%
Operating Margin % --------34.2%32.9%38.4%31.0%
Net Margin % 20.0%19.5%11.1%9.0%18.7%19.6%5.6%-24.1%29.6%8.1%9.3%
ROE % 15.4%17.4%11.8%12.3%21.1%24.4%5.9%-25.7%21.4%6.0%6.1%
ROCE % --------12.7%13.4%19.8%6.8%

Shareholding Pattern

Insiders
30.82%
Institutions
11.35%
Public Float
16.41%

Analyst View

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Latest News

Recent headlines for ARMANFIN

Google News hu, 18 Dec 2025

Arman Financial Services Limited's (NSE:ARMANFIN) market cap up ₹1.6b last week, benefiting both retail investors who own 46% as well as insiders - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi-gFBVV95cUxOTTBJNV9zeVJhdXY0bzg4cmdqMVJHNHZ1eG5kR3ZKNU1oajk2YUctVFJVdG1BaFU2TEFQWFp5RGVnNGJZNF9IQVhRYi03N3V0WUpnSl8ybUZuTXhEdTVEQjNnZ3NobjN0b21PRWMtb3BEcDhWa29zU1UyQ2tBcVZQb2tsbXpGVUFjUDFNM1…

Google News Wed, 01 Jul 2026

ARMANFIN Q2 2026 Earnings: Revenue Declines 5.48% YoY, EPS at ₹53.57 Amid Challenging Environment - vinanet.vn

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxQdEV3MUw5eVl5dFduRFc4dmNpb1EtclFnZV8xQzhJTGFoT2gydE1TRlU4dFg4bUpPN1AwQnNvRERKcUpDZjNIX0VENEd0SmRfbFhzQ0w5YmZoUXpoWUpabXpVdlFuNVdMN3lUbXJZZzJGWlhpQWpnSE5kSXFySC1Fa2Z4TE9OWW05Q2tjOG…

Google News hu, 09 Jul 2026

Arman Financial Services Rises 2.3% as Price Approaches Key Resistance - Bear Pennant - siam.in

<a href="https://news.google.com/rss/articles/CBMisgFBVV95cUxNQnZiMGtxOFhVRmt0dGJYU0o5Q3NwZkRfMVFoR1FRMGxaV25ST3kweGxkMWUyVjFkMVl5RGVWUmxzeHVuUnVuemJJQndJLXctZmV5OV8tY1hvanRrNE1LbGFrWkJzcmQwVHB1cjlwVU9HNFBlU0ZYd2loT3NVVDNKN045bm5vRHVFbEFzTX…

Google News hu, 13 Aug 2026

Arman Financial Services Ltd. (ARMANFIN) Share Price Near 52-Week High: What the Move Signals - Univest

<a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxOd3dITko0NEJDOGdLZEFkWG9wZzhVQTB0c0JYVEkwNy1IYl9kaXFtc0d6Q1ZLY2J0dDNTWkZDNHBRNExzWERKMEtEWjd0WjFlWF9kaDdkN0s5M1VSaGN3ZTZZcHI1dkhSOGdIY3B1RDFUd2hiLVVjN0kzVDFWRktfZFJNaEl4UDR5TGNJMn…

Google News Fri, 03 Jul 2026

Arman Financial Services (ARMANFIN) Edges Higher: Key Support and Resistance Levels in Focus - Percent Above MA - vinanet.vn

<a href="https://news.google.com/rss/articles/CBMiygFBVV95cUxQZ3pUZXZxS0lRMUNWUG1jSWs0UGNUQjk3TW5zUjhDeEptNzZZSnhET2xiZm9zakJNamlJQ2QtdE1LWGh3NllURXJpbnctNlRuUzZ6NVkzZS0wbG15NXFTY1poWlNNUllack9nZ3ZXUFRiMjlFRmJtc1doR01ST1p6U2t0TEd3RzJENWpSYl…

Google News ue, 14 Nov 2017

ARMANFIN Stock Price and Chart — NSE:ARMANFIN - TradingView

<a href="https://news.google.com/rss/articles/CBMiXkFVX3lxTE9EZlpmVzAyamxLaGNNZTl0dGxjOXZhZ05JT1B4TGMzbDJfZXZEOTFXNFBsZG5vVm9USVh0VGpJY0hVMTZwOUMwT2xialY5Vk1VX2NLemlETm1pVTlrc3c?oc=5" target="_blank">ARMANFIN Stock Price and Chart — NSE:ARM…

ARMANFIN — Frequently Asked Questions

What is the current share price of Arman Financial Services Limited (ARMANFIN)?

As of 2026-09-08 04:53 IST, Arman Financial Services Limited (ARMANFIN) trades at ₹2,069.30 on NSE. Its 52-week range is ₹1,339.20 to ₹2,069.30.

What is the market capitalisation of ARMANFIN?

Arman Financial Services Limited (ARMANFIN) has a market capitalisation of ₹2,175.44 Cr on NSE.

What is the P/E ratio of ARMANFIN?

ARMANFIN trades at a trailing price-to-earnings (P/E) ratio of 38.63. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 2.29.

What is the return on equity (ROE) of ARMANFIN?

ARMANFIN has a return on equity (ROE) of 6.06%. Its return on capital employed (ROCE) is 6.76%.

Is ARMANFIN a good stock to buy?

This page provides a data-driven analysis of Arman Financial Services Limited (ARMANFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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