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Banking And Finance | Small Cap
Health Score : 5.58Arman Financial Services Ltd shows a mixed financial performance. The company has demonstrated strong growth in revenue, operating profit, and EPS, but its net income growth is lagging. The company's solvency position shows positive trend with decreasing debt ratios, while its profitability, particularly in gross profit and ROCE, is strong. The company's liquidity position is weak, which could pose challenges in meeting short-term obligations. Financial ratios are weak due to the absence of adjusted EPS and dividends. Efficiency ratios are also weak, indicating poor asset utilization, except for the days sales in inventory and receivable days. Overall, the company exhibits growth and profitability but needs to address liquidity and efficiency to ensure long-term financial health.
Health Score : 5.58Arman Financial Services Ltd shows a mixed financial performance. The company has demonstrated strong growth in revenue, operating profit, and EPS, but its net income growth is lagging. The company's solvency position shows positive trend with decreasing debt ratios, while its profitability, particularly in gross profit and ROCE, is strong. The company's liquidity position is weak, which could pose challenges in meeting short-term obligations. Financial ratios are weak due to the absence of adjusted EPS and dividends. Efficiency ratios are also weak, indicating poor asset utilization, except for the days sales in inventory and receivable days. Overall, the company exhibits growth and profitability but needs to address liquidity and efficiency to ensure long-term financial health.
Overall Valuation Score
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Markets Today NSE
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0.00
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Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
50.55
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
36.25
P/B RATIO
2.20
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
2.99
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.93
EV/EBITDA RATIO
11.65
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹1952.3 as on Sep 1, 2026.
Growth Score : 8.00The company demonstrates strong growth across key metrics. Revenue, operating profit, and EPS are experiencing high growth rates, indicating successful expansion and profitability improvements. Asset growth is also robust, reflecting increased investments and business development. However, net income growth is very weak. Overall, the company's growth trajectory is positive, driven by solid performance in revenue and earnings.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 20.51 | 80.43 | 55.9 | 10.44 | -11.51 |
| Operating Profit Growth Rate | 253.85 | 173.91 | 81.75 | -69 | 11.27 |
| Earnings Per Share (EPS) Growth | 198.56 | 195.74 | 49.98 | -70.04 | 8.48 |
| Asset Growth Rate | 32.02 | 64.22 | 29.29 | -15.48 | 25.64 |
| Net Income Growth Rate | 190.91 | 193.75 | 85.11 | -70.11 | 9.62 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Crest Ventures Ltd | 8.36 | 22.14 | Neutral | 70.00 | 13.88 | 48.00 |
| 2 | PTC India Financial Services Ltd | 8.05 | 5.42 | Highly Undervalued | 396.00 | 4.97 | 319.00 |
| 3 | PNB Gilts Ltd | 6.88 | 7.58 | Neutral | 1555.00 | 10.09 | 182.00 |
| 4 | Arman Financial Services Ltd | 5.58 | 36.25 | Overvalued | 79.00 | 38.62 | 57.00 |
| 5 | Mufin Green Finance Ltd | 5.49 | 82.61 | Neutral | 40.00 | 1.43 | 28.00 |
| 6 | NBI Industrial Finance Company Ltd | 4.16 | 68.52 | Neutral | 22.00 | 46.99 | 16.00 |
| 7 | Manba Finance Ltd | 3.72 | 14.32 | Neutral | 64.00 | 9.03 | 45.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤14th Nov 25
Q2 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
Arman Financial Services Ltd is an Ahmedabad-based NBFC primarily engaged in providing financial services to underserved rural and semi-urban populations in India. Its core activities include microfinance, two-wheeler loans, and micro-enterprise (MSME) loans, aiming for financial inclusion and socio-economic upliftment.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Arman Financial Services Ltd's P/E ratio (TTM) is 50.55, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Arman Financial Services Ltd's P/B ratio is 2.20, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Arman Financial Services Ltd's P/S ratio is 2.99, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Arman Financial Services Ltd's PEG ratio is 0.93.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Arman Financial Services Ltd's EV/EBITDA ratio is 11.65.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Arman Financial Services Ltd's ROE is 6.10%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Arman Financial Services Ltd's ROA is 2.82%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Arman Financial Services Ltd's ROCE is 30.19%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Arman Financial Services Ltd's operating margin is 12.23%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Arman Financial Services Ltd's net margin is 8.82%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Arman Financial Services Ltd's current ratio is 30.01.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Arman Financial Services Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Arman Financial Services Ltd's interest coverage ratio is 1.38.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Arman Financial Services Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Arman Financial Services Ltd's EPS is 8.48.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹1952.30. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1992
Headquarters: Ahmedabad, Gujarat
Core Offerings: Microfinance Loans, Two-Wheeler Loans, Micro-Enterprise (MSME) Loans
Stock Listing: NSE (ARMANFIN), BSE (531179)
Promoter: Alok Kumar Singh / Arman Financial Services Promoter Group
Incorporated in 1992, Arman Financial Services Ltd initially focused on auto financing. Over the years, it strategically diversified its portfolio. A significant milestone was its entry into the high-growth microfinance segment in 2011 through its subsidiary, Moksha Financial Services Ltd. The company further expanded its offerings to include two-wheeler loans and micro-enterprise loans (MSME), solidifying its position in financial inclusion for rural and semi-urban India, driving sustained growth.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Microfinance (MFI) | N/A | Operating Profit |
| Two-Wheeler Finance | N/A | Operating Profit |
| Micro-Enterprise (MSME) Loans | N/A | Operating Profit |
Microfinance (MFI): Provided through its subsidiary, Moksha Financial Services Ltd., offering small-ticket income generation loans primarily to women in rural and semi-urban areas under the Joint Liability Group (JLG) model. This is the largest segment by Assets Under Management (AUM).
Two-Wheeler Finance: Offers financing solutions for the purchase of new and used two-wheelers, catering to customers in semi-urban and rural markets across multiple states.
Micro-Enterprise Loans (MSME): Provides small-ticket loans to micro-businesses and entrepreneurs to meet their working capital and business expansion needs, focusing on the underserved segment.
Mr. Alok Kumar Singh: Joint Managing Director & CEO. Holds an MBA and has significant experience in financial services, instrumental in scaling the company's businesses. Mr. Jayendra Patel: Chairman & Whole-Time Director. A seasoned professional with extensive experience in the financial sector, providing strategic direction.
No major recent corporate actions on record.
The Arman Financial Services Ltd share price today is ₹1952.30 on NSE (ARMANFIN), as of 28 Sept 2026.
As of 28 Sept 2026, Arman Financial Services Ltd share price is ₹1952.30, with previous close ₹1952.30. Today's range is ₹1952.30 to ₹1952.30. The 52-week range is ₹N/A to ₹N/A.
As of today, Arman Financial Services Ltd's market cap is ₹1,932.78 crore (Small Cap).
Arman Financial Services Ltd's current P/E ratio is 50.55, compared to the BANKING AND FINANCE sector average of 28.
Arman Financial Services Ltd's current P/B ratio is 2.20.
Arman Financial Services Ltd's current dividend yield is N/A. Last dividend of ₹2.00 per share was declared on 21-Jul-2023.
Arman Financial Services Ltd's EPS (TTM) is ₹8.48.
Arman Financial Services Ltd is an Ahmedabad-based NBFC primarily engaged in providing financial services to underserved rural and semi-urban populations in India. Its core activities include microfinance, two-wheeler loans, and micro-enterprise (MSME) loans, aiming for financial inclusion and socio-economic upliftment.
Arman Financial Services Ltd is promoted by Alok Kumar Singh / Arman Financial Services Promoter Group, holding 22% as of 28 Sept 2026.
Arman Financial Services Ltd is listed on NSE (ARMANFIN) and BSE (531179). Its next quarterly results are expected on Q1 FY25 (July/August 2024).