Market Data
Market Cap₹1,787.35 Cr.
52W High₹2,159.1
Current Price₹1,699.85
52W Low₹1,302.3
Down from 52W High21.3 %
Face Value₹10
Performance
ROCE13.41 %
ROE12.47 %
EPS (TTM)₹42.96
EPS Prev Qtr₹39.06
EPS Last Year₹7.62
EBITDA Qtr₹57.13 Cr.
Book Value₹885
Financial Health
Debt/Equity1.9
Debt/Profit15.26
Total Assets₹2,797.81 Cr.
Promoter Holding22 %
Earning Power5.21 %
Valuation
Stock P/E15.35
Industry P/E18.22
Price to Book1.92
Price to Sales2.57
Graham Number₹1,485.45
Key Metrics
Capital Adequacy %
33.57%
Cost to Income %
44.3%
Debt/Equity
1.1
__derived
1
Face Value
₹10
Gross NPA %
2.76%
Loans Disbursed
₹686 Cr
Net NPA %
0.84%
NIM %
17.4%
ROE %
18.9%
About Arman Financial Services Ltd
Financial Services · Finance
Arman Financial Services Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10. Market cap ₹1,787.35 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Capital Adequacy ratio of 33.57% indicates strong capital position.
- Net NPA ratio of 0.84% reflects good asset quality.
- Net Interest Margin (NIM) of 17.4% shows healthy interest income generation.
- Return on Capital Employed (ROCE) of 17.24% demonstrates efficient use of capital.
- Cost to Income ratio of 44.3% suggests efficient operational cost management.
Weaknesses
- Gross NPA ratio of 3.14% indicates some credit risk exposure.
- Debt to Equity ratio of 1.41 suggests moderate financial leverage.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 30.16 | ₹6,13,256.5 Cr | 0.61% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.28 | ₹2,30,350.39 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.77 | ₹1,58,506.24 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 68.4 | ₹1,45,434.19 Cr | 0.27% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.17 | ₹1,39,794.37 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Bajaj Holdings & Investment Ltd | - | 13.63 | ₹1,20,749.01 Cr | 1.8% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.76 | ₹1,11,046.18 Cr | 1.08% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.18 | ₹1,08,952.86 Cr | 5.62% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,06,475.16 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.28 | ₹1,02,653.11 Cr | 1.34% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.91 | ₹98,766 Cr | 2.34% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.99 | ₹79,918.35 Cr | 6.11% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Nippon Life India Asset Management Ltd | - | 42.74 | ₹70,191.49 Cr | 1.96% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.73 | ₹56,249.93 Cr | 0.42% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
📊 Jun 2026: Revenue grew 33.6% YoY, Profit grew 409.8% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 151 | 159.21 | 160.07 | 175.58 | 201.78 |
| ↳ QoQ Growth | - | +5.4% | +0.5% | +9.7% | +14.9% |
| Expenses | 162.17 | 141.27 | 131.57 | 133.5 | 144.65 |
| Operating Profit | -11.17 | 17.94 | 28.5 | 42.09 | 57.13 |
| OPM % | -7.4% | 11.27% | 17.8% | 23.97% | 28.31% |
| Other Income | 0 | 0 | 0 | 0 | 0.04 |
| Interest | 52.23 | 49.61 | 50.8 | 52.78 | 64.28 |
| Depreciation | 0.44 | 0.45 | 0.43 | 0.37 | 0.47 |
| EBITDA | -10.73 | 18.39 | 28.93 | 42.46 | 57.6 |
| EBITDA Margin % | -7.11% | 11.55% | 18.07% | 24.18% | 28.55% |
| Profit Before Tax | -11.17 | 17.94 | 28.5 | 42.09 | 57.17 |
| Tax % | -30.62% | 55.41% | 22.18% | 2.54% | 20.99% |
| Net Profit | -14.58 | 7.99 | 22.18 | 41.01 | 45.17 |
| ↳ QoQ Growth | - | +154.8% | +177.6% | +84.9% | +10.1% |
| EPS | -13.9 | 7.62 | 21.13 | 39.06 | 42.96 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 645.86 | 696.64 |
| Expenses | 568.51 | 550.99 |
| Operating Profit | 77.36 | 145.66 |
| OPM % | 11.98% | 20.91% |
| Other Income | 0 | 0.04 |
| Interest | 205.42 | 217.47 |
| Depreciation | 1.69 | 1.72 |
| Profit Before Tax | 77.36 | 145.7 |
| Tax % | 26.82% | 20.13% |
| Net Profit | 56.6 | 116.35 |
| EPS | 53.91 | 110.77 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
16.81%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
13.31%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 10.4905 | 10.51 |
| Reserves | 863.9227 | 922.82 |
| Borrowings | 1232.32 | 1775.72 |
| Other Liabilities | 120.58 | 88.76 |
| Total Liabilities | 2227.3164 | 2797.81 |
| Fixed Assets | 31.0455 | 31.62 |
| CWIP | 0.1962 | 2.56 |
| Investments | 38.97 | 92.46 |
| Other Assets | 2157.1 | 2671.17 |
| Total Assets | 2227.3164 | 2797.81 |
Cash Flows
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Cash from Operating Activity | 492.8151 | -476.4022 |
| Cash from Investing Activity | -48.8042 | -49.6802 |
| Cash from Financing Activity | -494.851 | 546.1153 |
| Net Cash Flow | -50.8401 | 20.0329 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 577.62 |
| ROCE % | 7.57% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 22% | 22% | 22% | 22% |
| FIIs % | 1.81% | 1.68% | 2.61% | 3.08% |
| DIIs % | 4.83% | 5.03% | 4.18% | 4.85% |
| Public % | 44.12% | 45.57% | 48.05% | 47.98% |
| No. of Shareholders | 36,531 | 34,930 | 33,752 | 32,079 |
Major Shareholders (>1%)
- Namra Holdings And Consultancy Services LlpPromoter and Promoter Group9.02%
- Elevation Capital V LimitedPublic Shareholding8.09%
- Ritaben Jayendrabhai PatelPromoter and Promoter Group4.15%
- Jayendrabhai Bhailalbhai PatelPromoter and Promoter Group4.07%
As of 2026-06-30View all shareholders →