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Arman Financial Services

ARMANFIN
Small Cap
(%) 1D
1D1W1M3M6M1YMAX

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Arman Financial Services Share price and Fundamental Analysis

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Arman Financial Services Limited (Arman) is an India-based, non-banking finance company. The Company provides two wheeler, three wheeler financing, inter-corporate deposit (ICD), micro financing and personal financing.
Company Incorporation1992
ChairmanAlok Prasad
Head QuartersAhmedabad
Previous NameNA

Key Metrics

Market Cap (Cr)
1,600.49
PE Ratio
17.76
Industry P/E
30.87
PEG Ratio
-0.38
ROE
16.12%
ROCE
19.42%
ROA
3.77%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
85.91
Book Value & P/B
824.36 x 1.85
Face Value
10
Outstanding Shares(Cr)
1.05
Current Ratio
EV to Sales
3.61

Included In

Mukul AgrawalSuperstars
Mukul Mahavir Prasad AgrawalSuperstars

Stock Returns

1 Week+0.86%
1 Month-5.45%
6 Months+15.54%
1 Year-24.21%
3 Years+34.7%
5 Years+338.04%

CAGR

1 Year CAGR

Revenue Growth

+181.46%

Net Profit Growth

+447.15%

Financing Profit Growth

+240.83%

Dividend Growth

N/A

Stock Returns CAGR

-24.21%
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2.9
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Corporate Action

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Financials

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PARTICULARS

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Total Expenses

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Operating Profit

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Adj EPS in Rs - Basic

Adj EPS in Rs - Diluted

Profit and Loss Statement

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Balance sheet

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Cashflow Statement

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Mar 25

Promoters : 22.06%

FIIs : 1.20%

DIIs : 4.92%

Public : 71.82%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
DII Shareholding Increased by 0.41% to 4.92% in March 2025 Qtr
FII Shareholding Decreased by 0.78% to 1.2% in March 2025 Qtr

Top Shareholders

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Key Ratios

Profitability
Valuation
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ROE

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ROCE

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ROA

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NPM

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Dividend History

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Arman Financial Services Competitors

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Arman Financial Services Management and History

Company Management

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Company History

Arman Financial Services Limited (Arman) is an India-based, non-banking finance company. The Company provides two wheeler, three wheeler financing, inter-corporate deposit (ICD), micro financing and personal financing.

The Company operates through two segments: JLG Microfinance and Asset-backed Microfinance (two-wheeler/three-wheeler financing). Arman's Micro Finance operations have 14 branches operational all over Gujarat in urban, semi-urban and rural areas.

Arman Financial Services Limited was originally incorporated on November 26, 1992 as an earstwhile Arman Lease & Finance Ltd. The company is a public limited listed company. It issued 28,00,000 Equity shares of Rs. 10 each on August 21, 1995 aggregating to Rs 280 lacs after receiving an overwhelming response from the public for its public issue which was oversubscribed by 7 times in the category of small investor and more than 22 times in case of applicants with application of more than 1000 shares.

The main objects of the company consist of providing a wide spectrum of financial services both Fund based and Non Fund Based activities which includes term loans, collateral free credit, other forms of credits, thrift and savings and insurance. Arman also plans to render financial services to people by acting as intermediary for banks and financial institutions in the cities, towns, villages of India.

During the fiscal year ended March 31, 2010, the Asset-backed Microfinance segment had 5,315 active borrowers, and the portfolio outstanding stood at approximately 2.9 billion. Arman operates all over the Ahmedabad. Its loans sizes are small and are within the repayment capacity of the borrower. They qualify for little higher loan if they repay the first loan. The Company does not have brokers in Micro finance. It only lends to group of ladies where in if one borrower defaults, the whole group is made responsible.

The Company incorporated a wholly owned subsidiary M/s Namra Finance Limited on 27 March, 2012. M/s Namra Finance Limited a wholly owned subsidiary became the first company in India to receive 'NBFC-MFI' license, which accordingly commenced business effective from February 15, 2013.

Arman's Microfinance operations got demerged into its wholly owned subsidiary, Namra Finance which completed in FY 2013-14. The Company started its operation of micro finance in the state of Uttar Pradesh and Maharashtra during FY 2016-17.

Arman Financial Services Share Price

Arman Financial Services share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Arman Financial Services Market Cap

Market capitalization of Arman Financial Services indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Arman Financial Services is valued compared to its competitors.

Arman Financial Services PE Ratio

Arman Financial Services PE ratio helps investors understand what is the market value of each stock compared to Arman Financial Services 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Arman Financial Services PEG Ratio

The PEG ratio of Arman Financial Services evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Arman Financial Services ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Arman Financial Services generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Arman Financial Services ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Arman Financial Services in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Arman Financial Services Total Debt

Total debt of Arman Financial Services shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Arman Financial Services Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Arman Financial Services compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Arman Financial Services CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Arman Financial Services over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Arman Financial Services Technical Analysis

Technical analysis of Arman Financial Services helps investors get an insight into when they can enter or exit the stock. Key components of Arman Financial Services Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Arman Financial Services shares often struggle to rise above due to selling pressure.

Arman Financial Services Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Arman Financial Services ’s financial health and profitability.

Arman Financial Services Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Arman Financial Services Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Arman Financial Services Financials

The financials of Arman Financial Services provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Arman Financial Services Profit and Loss Statements

The profit and loss statement of Arman Financial Services highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Arman Financial Services .

Arman Financial Services Balance Sheet

The balance sheet presents a snapshot of Arman Financial Services ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Arman Financial Services Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

Arman Financial Services Net Interest Margin (NIM)

Arman Financial Services Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.

Arman Financial Services Non-Performing Assets (NPA) Ratio

Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.

Arman Financial Services Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.

Arman Financial Services Gross NPA

Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.

Arman Financial Services Net NPA Ratio

Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.

Arman Financial Services CASA Ratio

CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.

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