Arman Financial Serv
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Arman Financial Serv share price

Arman Financial Services Ltd.

NSE: ARMANFIN BSE: 531179 SECTOR: Finance - NBFC  37k   126   15

2039.05
+34.10 (1.70%)
NSE: 23 Apr 03:59 PM

Price Summary

Today's High

₹ 2065.05

Today's Low

₹ 2001.25

52 Week High

₹ 2680

52 Week Low

₹ 1404

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.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 2136.27 Cr.

Advances

₹ 0 Cr.

No. of Shares

1.05 Cr.

P/E

64.07

P/B

3.59

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  567.93

Operating Revenue

₹ 94.39 Cr.

Net Profit

₹ 28.36 Cr.

Promoter Holding

22.09 %

EPS (TTM)

₹  31.83

Sales Growth

49.21

ROE

15.33 %

ROCE

15.72%

Profit Growth

74.7 %

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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

View Full Peer Comparison
* 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 Year49.21%
3 Year12.04%
5 Year28.16%

Profit Growth

1 Year74.7%
3 Year15.86%
5 Year54.65%

ROE%

1 Year15.33%
3 Year11.29%
5 Year13.83%

ROCE %

1 Year15.72%
3 Year13.09%
5 Year14.32%

ROA%

6.06334967386634

PEG Ratio

0.86

PAT Margin (%)

30.0463808526958

EPS Growth(%)

74.685378330596

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 22.09 0
Dec 2023 23.65 0
Sep 2023 26.58 0
Jun 2023 27.27 0
Mar 2023 27.31 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 4.383970599366%.
  • Company has maintained a good ROA of 4.57786367082828% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 12.0407137525065%.

 Limitations

  • Promoters shareholding is low at 22.09%.
  • Promoter holding has decreased from 26.58% to 23.65%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 23.69 27.64 29.38 33.78 32.61
Other Income 0.79 -0.17 0.88 0.93 1.3
Interest Expended 9.39 9.44 11.13 11.54 12.31
Operating Expenses 6.29 8.3 8.89 9.7 10.52
Total Provisions 0 0 0 0 0
Depreciation 0.03 0.03 0.04 0.04 0.04
Profit Before Tax 8.76 9.7 10.21 13.43 11.04
Tax 2.06 2.64 2.15 4.55 1.7
Net Profit 6.69 7.06 8.07 8.88 9.34
Adjusted EPS (RS) 7.88 8.31 9.5 10.19 9.55

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 46.6 67.11 60.6 63.26 94.39
Other Income 1.78 2.99 2.95 2.96 8.1
Interest 16.11 22.31 20.4 18.11 30.84
Operating Expenses 13.79 18.26 15.54 19.23 25.3
Total Provisions 2.8 6.7 18.21 7.57 8.76
Exceptional Items 0 0 0 0 0
Profit Before Tax 15.68 22.83 9.39 21.3 37.59
Tax 3.32 4.59 1.4 5.07 9.23
Profit After Tax 12.36 18.24 8 16.23 28.36
Adjusted EPS (Rs.) 17.77 21.58 9.42 19.12 33.4

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 6.95 8.45 8.49 8.49 8.49
Total Reserves 88.85 112.29 119.34 132.46 220.87
Borrowings 126.98 148.96 113.54 163.37 263.71
Other N/C liabilities 8.21 9.12 11.46 16.28 25.39
Current liabilities 40.35 27.15 48.54 22.68 73.76
Total Liabilities 271.35 305.97 301.37 343.28 592.22
Assets
Loans 0 0 0 0 0
Net Block 0.79 0.83 0.76 0.82 0.83
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0.03 0
Investments 51.09 62.37 65.19 93.04 196.44
Other Loans 8.02 11.14 15.07 20.69 30.16
Other N/C Assets 0 0 0 0 0
Current Assets 211.45 231.63 220.35 228.71 364.8
Total Assets 271.35 305.97 301.37 343.28 592.22
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 27.31 27.27 26.58 23.65 22.09
aalok jayendrabhai patel 2.92 2.92 2.84 2.53 2.37
amit rajnikant manakiwala... 0.14 0.13 0.12 0.10 0.10
himani amit manakiwala 0.11 0.08 0.07 0.07 0.06
jayendra bhailal patel- h... 2.31 2.31 2.25 2.00 1.87
jayendrabhai bhailalbhai ... 5.04 5.04 4.91 4.37 4.08
maulik amit manakiwala 0.01 0.01 0.01 0.01 0.01
namra holdings and consul... 11.17 11.16 10.89 9.69 9.05
ritaben jayendrabhai pate... 5.14 5.13 5.01 4.46 4.16
sajni aalok patel 0.49 0.49 0.47 0.42 0.39
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 72.69 72.73 73.42 76.35 77.91
debashish neogi 1.62 1.24 1.21 1.08 1.01
elevation capital v limit... 22.26 22.26 21.70 15.21 13.83
highwest global master fu... 3.24 3.24 2.51 2.24 2.32
investor education and pr... 2.25 2.24 2.18 - 1.88
kotak mahindra life insur... - - - 1.16 1.09
mukul mahavir agrawal 4.71 4.71 4.59 4.09 3.82
sandeep kapadia 1.18 1.17 1.14 1.02 1.34
sixteenth street asian ge... - - - - 3.88
uti small cap fund - - - - 1.06
vinay jaiprakash ambekar - - - - 1.00
amrav dugar 1.61 1.16 1.03 - -
neighbourhood investment ... 1.08 1.08 1.08 - -
vinod kumar dugar 1.08 1.08 1.05 - -
avinash parsram wadhwa 1.08 1.00 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Arman Financial Services informs about analyst meet18 Mar 2024, 2:58PM Arman Financial Serv - Quaterly Results3 Feb 2024, 12:00PM Arman Financial Serv - Quaterly Results3 Feb 2024, 12:00PM Arman Financial Serv - Quaterly Results3 Feb 2024, 12:00PM Arman Financial Services informs about transfer of shares 27 Jan 2024, 12:58PM Arman Financial Services informs about loss of share certificates26 Dec 2023, 5:17PM Arman Financial Services informs about outcome of analyst meet 4 Nov 2023, 2:41PM Arman Financial Serv - Quaterly Results1 Nov 2023, 6:45PM Arman Financial Serv - Quaterly Results1 Nov 2023, 6:45PM Arman Financial Services informs about conference call30 Oct 2023, 2:55PM Arman Financial Serv - Quaterly Results14 Aug 2023, 6:36PM Arman Financial Serv - Quaterly Results14 Aug 2023, 6:36PM Arman Financial Services informs about board meeting1 Aug 2023, 5:09PM Arman Financial Services informs about allotment of NCD19 Jul 2023, 4:49PM Arman Financial Services raises Rs 49 crore via NCDs 19 Jul 2023, 3:12PM Arman Financial Services gets nod to raise Rs 49 crore via NCDs 8 Jul 2023, 3:33PM Arman Financial Services informs about voting results and scrutinizer’s report 5 Jul 2023, 5:02PM Arman Financial Services planning to raise funds via NCDs 5 Jul 2023, 2:59PM Arman Financial Services informs about disclosure24 Jun 2023, 1:14PM Arman Financial Services informs about transcript of conference call9 Jun 2023, 2:14PM Arman Financial Services informs about audio/ video recording of conference call3 Jun 2023, 3:46PM 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 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 Arman Financial Serv is Rs 28.3615 Cr and the compounded growth of profit in the past 3 years is 15.8561441274715 %. The PAT margin of Arman Financial Serv is 30.0463808526958 %.

  • 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 74.685378330596 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Arman Financial Serv has a average ROE track record. The ROE of Arman Financial Serv is at 15.3320986132645 % 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 2039.05. The stock is trading at a current P/E ratio of 39.833276940536 and the average historical P/E for the last 5 years was 39.3579545149034.

  • 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 3.5908 . The average historical P/B of Arman Financial Serv for the last 5 years was 4.12797147480174. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Arman Financial Serv is Rs 2039.05. One can use valuation calculators of ticker to know if Arman Financial Serv share price is undervalued or overvalued.

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.

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