Arman Financial Serv
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Arman Financial Serv share price

Arman Financial Services Ltd.

NSE: ARMANFIN BSE: 531179 SECTOR: Finance - NBFC  67.22 K   162   47

1697.05
+37.20 (2.24%)
BSE: 21 Oct 02:33 PM

Price Summary

Today's High

₹ 1697.05

Today's Low

₹ 1663

52 Week High

₹ 1849.95

52 Week Low

₹ 1111

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1784.1 Cr.

Advances

₹ 552.72 Cr.

No. of Shares

1.05 Cr.

P/E

41.45

P/B

3.04

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  558.23

Operating Revenue

₹ 181.88 Cr.

Net Profit

₹ 43.17 Cr.

Promoter Holding

22.05 %

EPS (TTM)

₹  40.94

Sales Growth

36.22

ROE

7.83 %

ROCE

11.19%

Profit Growth

13.91 %

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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

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Ratios

Income Growth

1 Year36.22%
3 Year42.19%
5 Year22.07%

Profit Growth

1 Year13.91%
3 Year38.54%
5 Year18.81%

ROE%

1 Year7.83%
3 Year11.06%
5 Year10.34%

ROCE %

1 Year11.19%
3 Year13.53%
5 Year12.82%

ROA%

4.5793

PEG Ratio

3.01

PAT Margin (%)

23.7356

EPS Growth(%)

13.7607

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 22.05 0.00
Mar 2025 22.06 0.00
Dec 2024 22.07 0.00
Sep 2024 22.07 0.00
Jun 2024 22.09 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 5.2939% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 42.1929201130494%.
  • The company has delivered substantial profit growth of 38.5417260497162% over past 3 years.

 Limitations

  • Promoters shareholding is low at 22.05%.
  • Provision and contingencies have increased by 202.28923213035%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 42.18 44.12 45.02 50.56 50.26
Other Income 0.27 -0.98 -0.11 4.24 0.53
Interest Expended 9.43 11.78 10.52 11.83 11.99
Operating Expenses 16.75 20.15 20.83 25.64 23.12
Total Provisions 0 0 0 0 0
Depreciation 0.08 0.09 0.09 0.1 0.09
Profit Before Tax 16.18 11.12 13.47 17.22 15.58
Tax 3.6 3.2 3.6 4.43 3.13
Net Profit 12.58 7.93 9.87 12.79 12.45
Adjusted EPS (RS) 12 7.56 9.41 12.19 11.87

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

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 60.6 63.26 94.39 133.51 181.88
Other Income 2.95 2.96 1.75 4.72 3.42
Interest 20.4 18.11 30.84 45.78 43.99
Operating Expenses 15.54 19.23 25.3 34.36 49.3
Total Provisions 18.21 7.57 2.41 9.74 34.01
Exceptional Items 0 0 0 0 0
Profit Before Tax 9.39 21.3 37.59 48.35 58
Tax 1.4 5.07 9.23 10.45 14.83
Profit After Tax 8 16.23 28.36 37.9 43.17
Adjusted EPS (Rs.) 9.42 19.12 33.4 36.17 41.15

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 8.49 8.49 8.49 10.48 10.49
Total Reserves 119.34 132.46 220.87 524.41 575.31
Borrowings 113.54 163.37 263.71 117.58 125.87
Other N/C liabilities 11.46 16.28 25.39 -0.74 -5.9
Current liabilities 48.54 22.68 73.76 202.84 325.11
Total Liabilities 301.37 343.28 592.22 854.56 1030.87
Assets
Loans 0 0 0 406.84 552.72
Net Block 0.76 0.82 0.83 1.79 25.4
Capital WIP 0 0 0 0 0.2
Intangible WIP 0 0.03 0 0 0
Investments 65.19 93.04 196.44 276.92 346.72
Other Loans 15.07 20.69 30.16 0 0
Other N/C Assets 0 0 0 0.49 2.02
Current Assets 220.35 228.71 364.8 168.52 103.81
Total Assets 301.37 343.28 592.22 854.56 1030.87
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 22.09 22.07 22.07 22.06 22.05
aalok jayendrabhai patel 2.36 2.36 2.36 2.36 2.36
amit rajnikant manakiwala... 0.10 0.10 0.10 0.10 0.10
himani amit manakiwala 0.06 0.06 0.06 0.06 0.05
jayendra bhailal patel hu... 1.87 1.87 1.87 1.87 1.87
jayendrabhai bhailalbhai ... 4.08 4.08 4.08 4.08 4.08
maulik amit manakiwala 0.01 0.01 0.01 0.01 0.01
namra holdings and consul... 9.05 9.04 9.04 9.04 9.04
ritaben jayendrabhai pate... 4.16 4.16 4.16 4.16 4.16
sajni aalok patel 0.39 0.39 0.39 0.39 0.39
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 77.91 77.93 77.93 77.94 77.95
abhishek pradeepkumar ban... - 1.10 1.10 1.10 1.10
airavat capital trustaira... - - - - 1.57
debashish neogi 1.01 1.12 1.19 1.21 1.11
dumt tradevest - 1.02 1.02 1.12 1.12
elevation capital v limit... 11.88 11.87 10.90 10.90 10.90
investor education and pr... - - - 1.89 1.88
mukul mahavir agrawal 3.82 3.81 3.81 3.81 3.81
sandeep kapadia 1.43 1.43 1.05 1.05 1.05
uti-banking and financial... - - - 1.47 1.56
vinay jaiprakash ambekar 1.00 1.03 1.03 1.03 1.03
airavat capital trust - - 1.21 1.41 -
investor education and pr... - - 1.86 - -
uti small cap fund 1.48 1.48 1.45 - -
highwest global master fu... 2.42 2.42 - - -
investor education and pr... - 1.86 - - -
kotak mahindra life insur... 1.09 - - - -
sixteenth street asian ge... 3.62 - - - -

Annual Reports

Title Link
Title Link
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit ACUITE RATINGS
Credit ACUITÉ RATINGS
Credit ACUITE RATINGS
Credit SMERA
Credit ACUITE
Credit CARE
Credit CARE
Credit CARE
TYPE AGENCY Link
TYPE AGENCY Link
Research Edelweiss

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY23
Concall Q4FY23
Concall Q4FY22
Concall Q4FY20
Concall Q3FY25
Concall Q3FY22
Concall Q2FY24
Concall Q2FY23
Concall Q2FY22
Concall Q2FY21
Concall Q1FY25
Concall Q1FY24
Concall Q1FY23
Concall Q1FY21
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY24
Presentation Q4FY23
Presentation Q4FY22
Presentation Q4FY21
Presentation Q4FY20
Presentation Q3FY24
Presentation Q3FY23
Presentation Q3FY22
Presentation Q3FY21
Presentation Q2FY24
Presentation Q2FY22
Presentation Q2FY21
Presentation Q2FY20
Presentation Q1FY21

Company News

Arman Financial Services informs about interest payment 3 Oct, 5:58 PM Arman Financial Services informs about analyst meet 14 Aug, 4:48 PM Arman Financial Service informs about presentation on financial performance 14 Aug, 4:24 PM Arman Financial Serv - Quaterly Results 13 Aug, 6:52 PM Arman Financial Serv - Quaterly Results 13 Aug, 6:52 PM Arman Financial Services gets nod to raise Rs 42 crore via NCDs 14 Jun, 3:18 PM Arman Financial Services informs about disclosure 12 Jun, 2:18 PM Arman Financial Services raises Rs 40 crore through NCDs 6 Jun, 9:50 AM Arman Financial Serv - Quaterly Results 29 May, 2:14 PM Arman Financial Serv - Quaterly Results 29 May, 2:14 PM Arman Financial Services informs about conference call 27 May, 3:31 PM Arman Financial Services informs about audio recording of conference call 15 Feb, 9:56 AM Arman Financial Serv - Quaterly Results 14 Feb, 5:52 PM Arman Financial Serv - Quaterly Results 14 Feb, 5:52 PM Arman Financial Serv - Quaterly Results 14 Feb, 5:52 PM Arman Financial Services informs about compliances certificate 18 Oct, 5:06 PM Arman Financial Services informs about allotment of equity shares under ESOP 18 Sep, 5:23 PM Arman Financial Services informs about analyst meet 18 Sep, 4:40 PM Arman Financial Services informs about presentation on financial performance 16 Aug, 10:05 AM Arman Financial Services informs about press release 16 Aug, 10:04 AM Arman Financial Serv - Quaterly Results 14 Aug, 8:25 PM Arman Financial Services board to consider financial results 7 Aug, 4:17 PM Arman Financial Services submits analyst meet intimation 20 Jun, 12:39 PM Arman Financial Serv - Quaterly Results 27 May, 3:08 PM Arman Financial Serv - Quaterly Results 27 May, 3:08 PM Arman Financial Serv - Quaterly Results 27 May, 3:08 PM Arman Financial Services informs about analyst meet 18 Mar, 2:58 PM Arman Financial Serv - Quaterly Results 3 Feb, 12:00 PM Arman Financial Serv - Quaterly Results 3 Feb, 12:00 PM Arman Financial Serv - Quaterly Results 3 Feb, 12:00 PM Arman Financial Services informs about transfer of shares 27 Jan, 12:58 PM Arman Financial Services informs about loss of share certificates 26 Dec, 5:17 PM Arman Financial Services informs about outcome of analyst meet 4 Nov, 2:41 PM Arman Financial Serv - Quaterly Results 1 Nov, 6:45 PM Arman Financial Serv - Quaterly Results 1 Nov, 6:45 PM Arman Financial Services informs about conference call 30 Oct, 2:55 PM Arman Financial Serv - Quaterly Results 14 Aug, 6:36 PM Arman Financial Serv - Quaterly Results 14 Aug, 6:36 PM Arman Financial Services informs about board meeting 1 Aug, 5:09 PM Arman Financial Services informs about allotment of NCD 19 Jul, 4:49 PM Arman Financial Services raises Rs 49 crore via NCDs 19 Jul, 3:12 PM Arman Financial Services gets nod to raise Rs 49 crore via NCDs 8 Jul, 3:33 PM Arman Financial Services informs about voting results and scrutinizer’s report 5 Jul, 5:02 PM Arman Financial Services planning to raise funds via NCDs 5 Jul, 2:59 PM Arman Financial Services informs about disclosure 24 Jun, 1:14 PM Arman Financial Services informs about transcript of conference call 9 Jun, 2:14 PM Arman Financial Services informs about audio/ video recording of conference call 3 Jun, 3:46 PM Arman Financial Services informs about press release 31 May, 4:52 PM Arman Financial Serv - Quaterly Results 30 May, 5:49 PM Arman Financial Serv - Quaterly Results 30 May, 5:49 PM

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

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse Arman Financial Serv. 

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 Arman Financial Serv is Rs 43.1696 Cr. and the compounded growth of profit in the past 3 years is 38.5412744025338%. The PAT margin of Arman Financial Serv is 23.7356%.
  • 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 13.7607% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): Arman Financial Serv has a poor ROE track record. The ROE of Arman Financial Serv is at 7.8298% 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 1687. Arman Financial Serv is trading at a current P/E ratio of 31.3868 and the average historical P/E for the last 5 years was 47.7010281414398.
  • 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 3.02205779743758. The average historical P/B for the last 5 years was 4.19096460697153. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of Arman Financial Serv in Ticker for free. Also, one can get the intrinsic value of Arman Financial Serv by using Valuation Calculators, which are available with a Finology ONE subscription. 

Arman Financial Serv FAQs

Q1. What is Arman Financial Serv share price today?
Ans: The current share price of Arman Financial Serv is Rs 1687.

Q2. What is the market capitalisation of Arman Financial Serv?
Ans: Arman Financial Serv has a market capitalisation of Rs 1773.5297727 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Arman Financial Serv?
Ans: The PE ratio of Arman Financial Serv is 41.2065432180185 and the P/B ratio of Arman Financial Serv is 3.02205779743758, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Arman Financial Serv share?
Ans: The 52-week high share price of Arman Financial Serv is Rs 1834.6, and the 52-week low share price of Arman Financial Serv is Rs 1109.95.

Q5. Does Arman Financial Serv pay dividends?
Ans: Currently, Arman Financial Serv does not pay dividends. Dividend yield of Arman Financial Serv is around 0%.

Q6. What are the face value and book value of Arman Financial Serv shares?
Ans: The face value of Arman Financial Serv shares is Rs 10, while the book value per share of Arman Financial Serv is around Rs 558.2289. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of Arman Financial Serv?
Ans: The ROE of Arman Financial Serv is 7.8298% and ROCE of Arman Financial Serv is 11.1899%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Arman Financial Serv a good buy for the long term?
Ans: The Arman Financial Serv long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Arman Financial Serv undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Arman Financial Serv appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Arman Financial Serv’s financials?
Ans: You can review Arman Financial Serv’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about Arman Financial Serv

Arman Financial Services Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

Arman Financial Services Ltd. is a non-banking financial company (NBFC) based in Gujarat, India. The company was incorporated in 1992 and has since established itself as a leading provider of financial services in rural and semi-urban areas of the country. Arman Financial Services Ltd. primarily operates in vehicle financing, microfinance, and SME finance.

The company has a strong presence in the states of Gujarat, Maharashtra, Rajasthan, and Madhya Pradesh. As of 2021, Arman Financial Services Ltd. has a network of 132 branches and caters to over 400,000 customers.

Arman Financial Services Ltd. - Share Price

Arman Financial Services Ltd. is traded on the National Stock Exchange of India (NSE) and the Bombay Stock Exchange (BSE). The stock symbol for Arman Financial Services Ltd. is ARMANFIN.

The share price of Arman Financial Services Ltd. has shown a positive trend in the past year, with the company's stock price increasing by around 25% in the last 12 months.

Investors can use our pre-built screening tools to check the historical share price of Arman Financial Services Ltd. and compare it to other NBFCs in India.

Arman Financial Services Ltd. - Balance Sheet

Arman Financial Services Ltd.'s balance sheet is an essential document for shareholders and long-term investors. It provides an insight into the company's financial health and stability.

Investors can access the company's balance sheet on our website, along with our premium features that allow fair value calculation using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

We recommend that investors analyze the company's balance sheet, understand the company's assets, liabilities, and equity structure, and use our screening tools to compare Arman Financial Services Ltd. with other NBFCs in India.

Arman Financial Services Ltd. - Annual Report

Arman Financial Services Ltd. releases an annual report to provide an in-depth overview of the company's performance and financial health. The company's annual report provides shareholders with key financial indicators, such as revenue, net profit, and earnings per share.

Arman Financial Services Ltd.'s annual reports are available for download on our website, along with other essential documents such as concall transcripts, investor presentations, and research reports.

Investors can use our pre-built screening tools to analyze the company's annual report and compare it with other NBFCs.

Arman Financial Services Ltd. - Dividend

Arman Financial Services Ltd. has been consistently paying dividends to its shareholders in the past few years. The company's dividend payout ratio is around 15% to 20% of its net profit.

Investors can use our pre-built screening tools to check the dividend history of Arman Financial Services Ltd. and compare it with other NBFCs.

Arman Financial Services Ltd. - Quarterly Result

Quarterly results are critical indicators of a company's performance. Arman Financial Services Ltd. releases quarterly results to keep its shareholders and investors updated about the company's performance and growth prospects.

Investors can access the company's quarterly results on our website, along with our premium features like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Arman Financial Services Ltd. - Stock Price

Arman Financial Services Ltd.'s stock price changes frequently, and it is affected by various economic, social, and political factors.

Investors can use our pre-built screening tools to monitor the stock price of Arman Financial Services Ltd. and compare it with other NBFCs.

Arman Financial Services Ltd. - Price Chart

Price charts are one of the essential tools for analyzing any company's stock price trend. Investors can use price charts to identify historical trends, support and resistance levels, and possible entry and exit points.

Investors can access the price charts of Arman Financial Services Ltd. on our website, along with other necessary documents like annual reports, research reports, and credit ratings.

Arman Financial Services Ltd. - News

Keeping up-to-date with the latest news is crucial for long-term investors. Investors can find the latest news about Arman Financial Services Ltd. on our website, along with news about other NBFCs in India.

Arman Financial Services Ltd. - Concall Transcripts

Concall transcripts provide investors with the opportunity to understand the management's outlook on the company's performance and growth prospects. Arman Financial Services Ltd. releases concall transcripts regularly to keep its investors updated.

Investors can access the concall transcripts of Arman Financial Services Ltd. on our website, along with essential documents like annual reports, research reports, and credit ratings.

Arman Financial Services Ltd. - Investor Presentations

Investor presentations are an excellent source of information about the company's strategies, future projects, and growth prospects. Arman Financial Services Ltd. releases investor presentations regularly to keep its investors updated.

Investors can access the investor presentations of Arman Financial Services Ltd. on our website, along with crucial documents like annual reports, research reports, and credit ratings.

Arman Financial Services Ltd. - Promoters

Arman Financial Services Ltd.'s promoter is Satyen Patel, who is also the Chairman and Managing Director of the company.

Investors can use our pre-built screening tools to analyze the promoter's holding and compare it with other NBFCs.

Arman Financial Services Ltd. - Shareholders

Arman Financial Services Ltd.'s shareholders include individual and institutional investors.

Investors can use our pre-built screening tools to analyze the shareholding pattern of Arman Financial Services Ltd. and compare it with other NBFCs.

In conclusion, Arman Financial Services Ltd. is a leading NBFC in India that specializes in vehicle financing, microfinance, and SME finance. The company's performance has been consistent, and it has been paying dividends to its shareholders in the past few years. Investors can use our pre-built screening tools to analyze the company's financial health, compare it with other NBFCs, and access essential documents like annual reports, research reports, and credit ratings. 

Arman Financial Services Balance Sheet Overview

Arman Financial Services has shown steady growth in its financial standing over the years, as evidenced by data from its balance sheets from March 2020 to March 2024. Observing the increase in Total Liabilities, the company grew from Rs 305.97 Cr in March 2020 to Rs 854.56 Cr by March 2024. This rise is accompanied by a significant jump in Total Reserves from Rs 112.29 Cr in 2020 to Rs 524.41 Cr in 2024, showcasing a robust reinforcement of equity.

Arman Financial Services Increase in Assets

The Total Assets align with the liabilities, confirming prudent asset management. From March 2020's Rs 305.97 Cr, assets rose to Rs 854.56 Cr by March 2024. A substantial portion of this growth comes from Current Assets and Investments, highlighting strategic asset accumulation—especially notable in Investments growing from Rs 62.37 Cr in 2020 to Rs 281.12 Cr in 2024.

Arman Financial Services Debt Structure

The company's Borrowings increased until March 2023, reaching Rs 263.71 Cr, but modestly reduced to Rs 249.65 Cr by March 2024. This reduction could reflect successful debt management strategies and a possibly healthier balance sheet.

Arman Financial Services Capital Components

The Share Capital saw a noticeable increase in March 2024 to Rs 10.48 Cr from Rs 8.49 Cr in the previous years. This could indicate potential equity strengthening activities like equity infusion or public offerings.

The data provided here is an analysis of the Standalone Balance Sheet of Arman Financial Services. It provides pivotal insights that are crucial for stakeholders and potential investors analyzing sector trends, IPO potentials, or indices like NSE BSE where the company might be listed.

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