Arman Financial Serv

Arman Financial Services Ltd.

NSE: ARMANFIN BSE: 531179 SECTOR: Finance - NBFC  20k   111   16

1898.95
-19.80 (-1.03%)
NSE: Today, 09:54 AM

Price Summary

Today's High

₹ 1937.6

Today's Low

₹ 1891.55

52 Week High

₹ 1979

52 Week Low

₹ 957.8

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1612.89 Cr.

Advances

₹ 0 Cr.

No. of Shares

0.85 Cr.

P/E

56.87

P/B

7.03

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  270.04

Operating Revenue

₹ 62.41 Cr.

Net Profit

₹ 16.23 Cr.

Promoter Holding

27.31 %

EPS (TTM)

₹  33.39

Sales Growth

2.99

ROE

12.09 %

ROCE

13.13%

Profit Growth

103 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year2.99%
3 Year10.23%
5 Year30.4%

Profit Growth

1 Year103%
3 Year9.53%
5 Year45.4%

ROE%

1 Year12.09%
3 Year11.84%
5 Year12.4%

ROCE %

1 Year13.13%
3 Year13.32%
5 Year13.88%

ROA%

5.03674774470393

PEG Ratio

0.55

PAT Margin (%)

26.0109976030865

EPS Growth(%)

102.919609973241

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2023 27.31 0
Dec 2022 27.35 0
Sep 2022 27.36 0
Jun 2022 27.39 0
Mar 2022 27.45 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 12.8143598794545%.
  • Company has maintained a good ROA of 4.6628029711029% in last 3 years.

 Limitations

  • Promoters shareholding is low at 27.31%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Operating Revenue 19.74 21.31 21.35 23.5 27.64
Other Income 1.28 0.78 0.75 0.98 -0.17
Interest Expended 4.14 5.84 6.02 9.39 9.44
Operating Expenses 6.85 7.56 5.58 6.29 8.3
Total Provisions 0 0 0 0 0
Depreciation 0.03 0.03 0.03 0.03 0.03
Profit Before Tax 10.01 8.66 10.47 8.76 9.7
Tax 2.37 1.95 2.58 2.06 2.64
Net Profit 7.64 6.72 7.9 6.69 7.06

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 27.31 46.6 67.11 60.6 62.41
Other Income 1.34 1.78 2.99 2.95 3.8
Interest 10.85 16.11 22.31 20.4 18.11
Operating Expenses 10.61 13.79 18.26 15.54 19.23
Total Provisions 2.71 2.8 6.7 18.21 7.57
Exceptional Items 0 0 0 0 0
Profit Before Tax 4.48 15.68 22.83 9.39 21.3
Tax 1.27 3.32 4.59 1.4 5.07
Profit After Tax 3.21 12.36 18.24 8 16.23
Adjusted EPS (Rs.) 4.63 17.77 21.58 9.42 19.12

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 6.92 6.95 8.45 8.49 8.49
Total Reserves 33.28 88.85 112.29 119.34 132.46
Borrowings 28.28 126.98 148.96 113.54 163.37
Other N/C liabilities 11.28 8.21 9.12 11.46 16.28
Current liabilities 77.23 40.35 27.15 48.54 22.67
Total Liabilities 157.01 271.35 305.97 301.37 343.27
Assets
Loans 0 0 0 0 0
Net Block 1.45 0.79 0.83 0.76 0.82
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0.03
Investments 22.42 51.09 62.37 65.19 93.04
Other Loans 55.67 8.02 11.14 15.07 20.69
Other N/C Assets 3.36 0 0 0 0
Current Assets 74.1 211.45 231.63 220.35 228.7
Total Assets 157.01 271.35 305.97 301.37 343.27
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Promoters 27.45 27.39 27.36 27.35 27.31
namra holdings and... 11.17 - 2.89 2.89 2.88
ritaben jayendrabh... 5.14 5.19 5.19 5.19 5.16
jayendrabhai bhail... 5.04 5.04 5.04 5.04 5.02
akash jayendra pat... - 4.87 4.87 4.87 4.85
alok jayendra patel - 4.33 4.33 4.33 4.31
jayendra bhailal p... - 3.43 3.43 3.43 3.41
aalok jayendrabhai... 2.92 - - - -
namra holding and ... - 2.89 - - -
jayendra bhailal p... 2.31 - - - -
sajni aalok patel 0.49 - - 0.72 0.72
himani amit manaki... 0.11 0.70 0.62 0.54 0.53
amit rajnikant man... 0.14 0.23 0.23 0.23 0.23
maulik amit manaki... 0.01 0.01 0.01 0.01 0.01
PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Investors 72.55 72.61 72.64 72.65 72.69
elevation capital ... 22.26 - - - -
mukul agrawal - 4.37 10.05 - -
mukul mahavir aga... - - - 10.05 10.00
reliance capital t... - 6.90 - - -
mukul mahavir agra... 4.71 - - - -
highwest global ma... 3.24 - - - -
babulall dugar - 2.39 2.39 2.39 2.38
investor education... 2.25 - - - -
iepf - - - 1.99 1.98
investor education... - - - - -
avinash p wadhwa - 2.10 2.10 2.10 2.09
debashish neogi 1.62 1.08 1.37 1.39 1.61
amrav dugar 1.61 - - - -
vinod kumar dugar 1.08 1.60 1.60 1.60 1.60
bharti jain - 1.49 1.46 1.42 1.41
adarsh zacharias a... - 1.22 1.21 1.21 1.34
seven canyons stra... - - - - -
om prakash damani - 1.22 1.30 1.30 1.29
sandeep kapadia 1.18 - - - -
avinash parsram wa... 1.08 - - - -
neighbourhood inve... 1.08 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Arman Financial Services informs about press release31 May 2023, 4:52PM Arman Financial Serv - Quaterly Results30 May 2023, 5:49PM Arman Financial Serv - Quaterly Results30 May 2023, 5:49PM Arman Financial Services informs about secretarial compliance report27 May 2023, 11:57AM Arman Financial Services informs about allotment of equity shares under ESOP18 May 2023, 4:10PM Arman Financial Services informs about non-applicability of large corporate entity 20 Apr 2023, 12:03PM Arman Financial Services informs about investors meet27 Feb 2023, 11:44AM Arman Financial Services informs about outcome of board meeting23 Feb 2023, 2:19PM Arman Financial Services informs about press release16 Feb 2023, 4:14PM Arman Financial Serv - Quaterly Results14 Feb 2023, 3:02PM Arman Financial Serv - Quaterly Results14 Feb 2023, 3:02PM Arman Financial Serv - Quaterly Results14 Feb 2023, 3:02PM Arman Financial Serv - Quaterly Results14 Nov 2022, 4:36PM Arman Financial Serv - Quaterly Results14 Nov 2022, 4:36PM Arman Financial Services informs about issue of duplicate share certificate22 Oct 2022, 4:40PM Arman Financial Services informs about certificate14 Oct 2022, 3:12PM Arman Financial Services raises Rs 115.05 crore via CCDs, OCRPs29 Sep 2022, 11:15AM Arman Financial Services informs about EGM23 Aug 2022, 4:11PM Arman Financial Services informs about notice of EGM23 Aug 2022, 2:49PM Arman Financial Services informs about trading window closure18 Aug 2022, 3:31PM Arman Financial Services informs about board meeting18 Aug 2022, 3:09PM Arman Financial Services informs about details of loss of certificate 16 Aug 2022, 2:16PM Arman Financial Services informs about issuance of duplicate share certificate 16 Aug 2022, 1:45PM Arman Financial Serv - Quaterly Results14 Aug 2022, 5:05PM Arman Financial Serv - Quaterly Results14 Aug 2022, 5:05PM Arman Financial Serv - Quaterly Results14 Aug 2022, 5:05PM Arman Financial Services informs about disclosure10 Jun 2022, 2:54PM Arman Financial Services informs about presentation on financial performance2 Jun 2022, 12:24PM Arman Financial Serv - Quaterly Results30 May 2022, 5:57PM Arman Financial Services informs about issue of duplicate share certificate9 May 2022, 5:24PM Arman Financial Services’ consolidated disbursements stand at Rs 339 crore in Q4FY2213 Apr 2022, 5:22PM Arman Financial Services informs about clarification11 Apr 2022, 3:27PM Arman Financial Services informs about transcript of the investor call 22 Feb 2022, 5:22PM Arman Financial Serv - Quaterly Results14 Feb 2022, 5:33PM Arman Financial Serv - Quaterly Results14 Feb 2022, 5:33PM Arman Financial Services informs about trading window closure30 Dec 2021, 4:46PM Arman Financial Services informs about transfer of shares to IEPF9 Dec 2021, 4:54PM Arman Financial Services informs about presentation on financial performance16 Nov 2021, 12:47PM Arman Financial Services informs about investor meet 15 Nov 2021, 10:01AM Arman Financial Serv - Quaterly Results13 Nov 2021, 6:47PM Arman Financial Services informs about allotment of equity shares23 Sep 2021, 4:03PM Arman Financial Services informs about clarification on price movements14 Sep 2021, 12:41PM Arman Financial Services submits newspaper advertisement6 Sep 2021, 4:04PM Arman Financial Services informs about issuance of duplicate share certificate29 May 2021, 2:54PM Arman Financial Services informs about issuance of duplicate share certificate27 Feb 2021, 11:17AM Arman Financial Services informs about investor presentation16 Feb 2021, 3:06PM Arman Financial Services informs about issuance of duplicate share certificate11 Dec 2020, 10:55AM Arman Financial Services informs about disclosure24 Nov 2020, 4:54PM Arman Financial Services informs about issuance of duplicate share certificate27 Oct 2020, 1:31PM Arman Financial Serv - Quaterly Results29 Aug 2020, 3:54PM

Arman Financial Serv Stock Price Analysis and Quick Research Report. Is Arman Financial Serv an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Arman Financial Serv better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 16.2344 Cr and the compounded growth of profit in the past 3 years is 9.52646032780635 %. The PAT margin of Arman Financial Serv is 26.0109976030865 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Arman Financial Serv , the EPS grew by 102.918824828055 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Arman Financial Serv is at 12.0913299688377 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Arman Financial Serv is worth at the current levels at Rs 1918.75. The stock is trading at a current P/E ratio of 51.7595798767666 and the average historical P/E for the last 5 years was 44.6445714063764.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Arman Financial Serv is trading at a P/B of 7.147 . The average historical P/B for the last 5 years was 4.19873476083463. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Arman Financial Serv

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