Arman Financial Serv
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Arman Financial Serv share price

Arman Financial Services Ltd.

NSE: ARMANFIN BSE: 531179 SECTOR: Finance - NBFC  57k   157   45

1484.30
-9.90 (-0.66%)
NSE: 17 Apr 4:00 PM

Price Summary

Today's High

₹ 1519

Today's Low

₹ 1471.1

52 Week High

₹ 2541.7

52 Week Low

₹ 1109.95

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.
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

₹ 1557.11 Cr.

Advances

₹ 0 Cr.

No. of Shares

1.05 Cr.

P/E

37.08

P/B

2.73

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  543.58

Operating Revenue

₹ 133.51 Cr.

Net Profit

₹ 37.9 Cr.

Promoter Holding

22.06 %

EPS (TTM)

₹  40.03

Sales Growth

41.44

ROE

10.01 %

ROCE

13.67%

Profit Growth

33.63 %

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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 Year41.44%
3 Year30.12%
5 Year23.43%

Profit Growth

1 Year33.63%
3 Year67.97%
5 Year25.13%

ROE%

1 Year10.01%
3 Year12.48%
5 Year12.17%

ROCE %

1 Year13.67%
3 Year14.18%
5 Year13.87%

ROA%

5.239

PEG Ratio

4.46

PAT Margin (%)

28.3855

EPS Growth(%)

8.3142

Shareholding Pattern

Promoter Pledging %

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

 Strengths

  • Company has maintained a good ROA of 5.44634716204934% in last 3 years.
  • TThe company has been maintaining a healthy ROCE of 14.1758935240568% since last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 30.1200484163058%.
  • The company has delivered substantial profit growth of 67.9665774740762% over past 3 years.

 Limitations

  • Promoters shareholding is low at 22.06%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Operating Revenue 32.61 37.74 42.18 44.12 45.02
Other Income 1.3 -0.45 0.27 -0.98 -0.11
Interest Expended 12.31 10.58 9.43 11.78 10.52
Operating Expenses 10.52 12.96 16.75 20.15 20.83
Total Provisions 0 0 0 0 0
Depreciation 0.04 0.07 0.08 0.09 0.09
Profit Before Tax 11.04 13.68 16.18 11.12 13.47
Tax 1.7 2.06 3.6 3.2 3.6
Net Profit 9.34 11.61 12.58 7.93 9.87
Adjusted EPS (RS) 9.55 11.08 12 7.56 9.41

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 67.11 60.6 63.26 94.39 133.51
Other Income 2.99 2.95 2.96 1.75 2.66
Interest 22.31 20.4 18.11 30.84 45.78
Operating Expenses 18.26 15.54 19.23 25.3 34.36
Total Provisions 6.7 18.21 7.57 2.41 7.68
Exceptional Items 0 0 0 0 0
Profit Before Tax 22.83 9.39 21.3 37.59 48.35
Tax 4.59 1.4 5.07 9.23 10.45
Profit After Tax 18.24 8 16.23 28.36 37.9
Adjusted EPS (Rs.) 21.58 9.42 19.12 33.4 36.17

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 8.45 8.49 8.49 8.49 10.48
Total Reserves 112.29 119.34 132.46 220.87 524.41
Borrowings 148.96 113.54 163.37 263.71 249.65
Other N/C liabilities 9.12 11.46 16.28 25.39 7.29
Current liabilities 27.15 48.54 22.68 73.76 62.74
Total Liabilities 305.97 301.37 343.28 592.22 854.56
Assets
Loans 0 0 0 0 0
Net Block 0.83 0.76 0.82 0.83 1.79
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0.03 0 0
Investments 62.37 65.19 93.04 196.44 281.12
Other Loans 11.14 15.07 20.69 30.16 11.1
Other N/C Assets 0 0 0 0 0
Current Assets 231.63 220.35 228.71 364.8 560.54
Total Assets 305.97 301.37 343.28 592.22 854.56
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 22.09 22.09 22.07 22.07 22.06
aalok jayendrabhai patel 2.37 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 0.06
jayendra bhailal patel hu... - 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 9.05 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
jayendra bhailal patel- h... 1.87 - - - -
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 77.91 77.91 77.93 77.93 77.94
abhishek pradeepkumar ban... - - 1.10 1.10 1.10
airavat capital trust - - - 1.21 1.41
debashish neogi 1.01 1.01 1.12 1.19 1.21
dumt tradevest - - 1.02 1.02 1.12
elevation capital v limit... 13.83 11.88 11.87 10.90 10.90
investor education and pr... - - - - 1.89
mukul mahavir agrawal 3.82 3.82 3.81 3.81 3.81
sandeep kapadia 1.34 1.43 1.43 1.05 1.05
uti-banking and financial... - - - - 1.47
vinay jaiprakash ambekar 1.00 1.00 1.03 1.03 1.03
investor education and pr... 1.88 - - 1.86 -
uti small cap fund 1.06 1.48 1.48 1.45 -
highwest global master fu... 2.32 2.42 2.42 - -
investor education and pr... - - 1.86 - -
kotak mahindra life insur... 1.09 1.09 - - -
sixteenth street asian ge... 3.88 3.62 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 Services informs about secretarial compliance report 27 May, 11:57 AM Arman Financial Services informs about allotment of equity shares under ESOP 18 May, 4:10 PM Arman Financial Services informs about non-applicability of large corporate entity 20 Apr, 12:03 PM Arman Financial Services informs about investors meet 27 Feb, 11:44 AM Arman Financial Services informs about outcome of board meeting 23 Feb, 2:19 PM Arman Financial Services informs about press release 16 Feb, 4:14 PM Arman Financial Serv - Quaterly Results 14 Feb, 3:02 PM Arman Financial Serv - Quaterly Results 14 Feb, 3:02 PM Arman Financial Serv - Quaterly Results 14 Feb, 3:02 PM Arman Financial Serv - Quaterly Results 14 Nov, 4:36 PM Arman Financial Serv - Quaterly Results 14 Nov, 4:36 PM

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 mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration 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.

Arman Financial Serv stock price today is Rs 1484.3. 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 37.8981 Cr and the compounded growth of profit in the past 3 years is 67.9657064103479 %. The PAT margin of Arman Financial Serv is 28.3855 %.

  • 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 8.3143 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Arman Financial Serv has a average ROE track record. The ROE of Arman Financial Serv is at 10.007 % 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 1484.3. The stock is trading at a current P/E ratio of 50.9186 and the average historical P/E for the last 5 years was 45.2344629219854.

  • 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 2.7345 . The average historical P/B of Arman Financial Serv for the last 5 years was 4.29795553093707. 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 1484.3. 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. 

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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