Arman Financial

Why is Arman Financial Services Ltd falling/rising?

As of 28-Jul, Arman Financial Services Ltd's stock price is 1,928.95, down 3.17% today and 3.20% over the past week, despite a strong long-term growth of 24.37% year-to-date. Increased investor participation and delivery volume indicate interest, although the stock is currently experiencing short-term volatility.

As of 28-Jul, Arman Financial Services Ltd's stock price is falling, currently at 1,928.95, reflecting a decrease of 63.15 points or 3.17%. This decline is evident in today's performance, where the stock underperformed its sector by 3.19%. The stock reached an intraday low of Rs 1922.55, marking a drop of 3.49%. <BR><BR>In the short term, the stock has experienced a 3.20% decline over the past week, contrasting with a positive return of 15.65% over the past month. Despite this recent downturn, the stock has shown strong long-term growth, with a 24.37% increase year-to-date and an impressive 164.22% rise over the past five years. <BR><BR>Investor participation has increased, with a notable rise in delivery volume by 70.62% compared to the five-day average, indicating some level of interest despite the current price drop. Additionally, the stock remains above its 20-day, 50-day, 100-day, and 200-day moving averages, although it is below the 5-day moving average, suggesting some short-term volatility.<BR><BR>Overall, while the stock has strong long-term fundamentals, including significant growth in operating profits and positive quarterly results, the recent price decline may be attributed to short-term market fluctuations and sector performance.

Which are the latest news on Arman Financial?

How big is Arman Financial?

As of 10th June, Arman Financial Services Ltd has a market capitalization of 1,711.00 Cr and reported net sales of 645.86 Cr and net profit of 56.60 Cr over the latest four quarters.

As of 10th June, <BR><BR>Market Cap: Arman Financial Services Ltd has a market capitalization of 1,711.00 Cr, classified as a Micro Cap.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 645.86 Cr, while the sum of Net Profit for the same period is 56.60 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2025. Shareholder's Funds are valued at 874.41 Cr, and Total Assets amount to 2,201.36 Cr.

Who are in the management team of Arman Financial?

The management team of Arman Financial includes Vice Chairman & Managing Director Jayendra Patel, Joint Managing Director Aalok Jayendrabhai Patel, and several other directors, including Alok Prasad (Chairman), along with key roles such as Company Secretary Jaimish Govindbhai Patel. This team is responsible for the company's strategic direction and governance.

The management team of Arman Financial includes the following key members:<BR><BR>1. **Jayendra Patel** - Vice Chairman & Managing Director<BR>2. **Aalok Jayendrabhai Patel** - Joint Managing Director<BR>3. **Alok Prasad** - Chairman & Independent Director<BR>4. **Ritaben Jayendrabhai Patel** - Non-Executive & Non-Independent Director<BR>5. **Ramakant Nagpal** - Non-Executive & Independent Director<BR>6. **Aakash Jayendra Patel** - Non-Executive & Non-Independent Director<BR>7. **Geeta Solanki** - Non-Executive & Independent Director<BR>8. **Yash Kaushik Shah** - Additional Independent Director<BR>9. **Jaimish Govindbhai Patel** - Company Secretary<BR>10. **Mridul Arora** - Nominee<BR><BR>This team plays a crucial role in guiding the company's strategic direction and governance.

Who are the peers of the Arman Financial?

Arman Financial's peers include Mufin Green, Shipping Land, PTC India Fin, and others. Mufin Green shows the highest growth and return, while Arman Financial has good growth and an excellent capital structure, with a 1-year return of -9.44%.

Peers: The peers of Arman Financial are Mufin Green, Shipping Land, PTC India Fin, Grand Oak Canyon, Spice LoungeFood, Summit Securitie, Balmer Law. Inv., PNB Gilts, Algoquant Fin, and Ugro Capital.<BR><BR>Quality Snapshot: Excellent management risk is observed at Mufin Green, Spice LoungeFood, Summit Securitie, Balmer Law. Inv., and Algoquant Fin, while Average management risk is found at Arman Financial and Ugro Capital. Growth is excellent at Mufin Green, Spice LoungeFood, Summit Securitie, and Algoquant Fin, while Arman Financial shows good growth. Below average growth is noted at Shipping Land, PTC India Fin, Grand Oak Canyon, and the rest. Excellent capital structure is present at Mufin Green, PTC India Fin, Spice LoungeFood, Summit Securitie, Balmer Law. Inv., Algoquant Fin, and Ugro Capital, while Arman Financial has an excellent capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Mufin Green at 53.45%, while the lowest is PTC India Fin at -28.87%. Arman Financial's 1-year return is -9.44%, which is better than PTC India Fin but worse than Mufin Green. Additionally, Shipping Land, PTC India Fin, Summit Securitie, Balmer Law. Inv., Algoquant Fin, and Ugro Capital have negative six-month returns.

What does Arman Financial do?

Arman Financial Services Ltd is a non-banking financial company that offers Small and Medium Enterprise Loans, Two-Wheeler Finance, and Loan Against Property. As of March 2026, it reported net sales of 176 Cr and a net profit of 41 Cr, with a market cap of INR 1,711 Cr.

Overview:<BR>Arman Financial Services Ltd is a non-banking financial company (NBFC) that provides Small and Medium Enterprise Loans, Two-Wheeler Finance, and Loan Against Property, operating within the micro-cap market segment.<BR><BR>History:<BR>Arman Financial Services Ltd was incorporated as 'Arman Lease & Finance Limited' on November 26, 1992. The latest reported quarterly results indicate net sales and profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 176 Cr (Quarterly Results - Mar 2026) <BR>Net Profit: 41 Cr (Quarterly Results - Mar 2026) <BR>Market Cap: INR 1,711 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 29.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 1.90 <BR>Return on Equity: 6.06% <BR>Price to Book: 1.83 <BR><BR>Contact Details:<BR>Address: 502-503 Sakar III, Off Ashram Road Opp Old High S Ahmedabad Gujarat : 380014 <BR>Tel: 91-079-40507000/27541989 <BR>Email: finance@armanindia.com <BR>Website: http://www.armanindia.com

Should I buy, sell or hold Arman Financial Services Ltd?

Are Arman Financial Services Ltd latest results good or bad?

Arman Financial Services Ltd's latest Q4 FY26 results show a significant turnaround with a net profit of ₹41.01 crores, a 221.39% year-on-year increase, and improved operating margins. However, concerns about declining interest income and a high P/E ratio compared to the sector suggest cautious optimism regarding the sustainability of this performance.

Arman Financial Services Ltd's latest results for Q4 FY26 can be characterized as a significant improvement compared to previous quarters. The company reported a net profit of ₹41.01 crores, marking a remarkable 221.39% increase year-on-year. This turnaround is particularly noteworthy given that the company had experienced losses in earlier quarters, including a loss of ₹14.58 crores in Q1 FY26.<BR><BR>The operating margin also saw a substantial rise to 54.24%, which is the highest recorded in recent quarters, reflecting improved operational efficiency. Additionally, the profit after tax (PAT) margin improved dramatically to 23.36%, up from 6.40% in the same quarter last year.<BR><BR>However, there are some concerns to consider. Interest income declined by 11.92% year-on-year to ₹175.58 crores, indicating potential challenges in asset under management growth or pricing pressures. Furthermore, the company's P/E ratio of 34x is significantly higher than the NBFC sector average of 23x, raising questions about whether the current valuations adequately reflect the risks associated with its business model.<BR><BR>In summary, while the latest results show a strong recovery and improved profitability metrics, the sustainability of this performance, particularly in light of declining interest income and high valuations, warrants cautious optimism.

When is the next results date for Arman Financial Services Ltd?

The next results date for Arman Financial Services Ltd is 27 May 2026.

The next results date for Arman Financial Services Ltd is scheduled for 27 May 2026.

Is Arman Financial technically bullish or bearish?

As of December 2, 2025, the trend is mildly bullish, supported by bullish weekly MACD and KST indicators, though tempered by a mildly bearish signal from Dow Theory on the weekly chart.

As of 2 December 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, driven by the weekly MACD and KST indicators, both of which are bullish, while the monthly MACD and KST are mildly bullish. The Bollinger Bands also indicate a mildly bullish trend on both weekly and monthly time frames. However, the Dow Theory shows a mildly bearish signal on the weekly chart, which slightly tempers the overall bullish sentiment. The daily moving averages are mildly bullish, supporting the positive outlook. Despite recent underperformance compared to the Sensex over the past week and month, the longer-term returns remain strong, particularly over 5 and 10 years.

Is Arman Financial overvalued or undervalued?

As of November 13, 2025, Arman Financial is considered very expensive and overvalued with a high PE ratio of 275.99, despite a strong year-to-date return of 30.72%, indicating that investors may be overestimating its future growth potential.

As of 13 November 2025, the valuation grade for Arman Financial has moved from expensive to very expensive. The company is currently considered overvalued based on its high PE ratio of 275.99, a Price to Book Value of 1.95, and an EV to EBITDA of 10.36. In comparison to its peers, Bajaj Finance has a PE ratio of 34.18, and Life Insurance shows a much lower PE of 11.18, highlighting the significant premium Arman Financial commands in the market.<BR><BR>Despite a strong return of 30.72% year-to-date compared to the Sensex's 8.11%, the valuation metrics suggest that the stock is not justified at its current price of 1625.00. With a PEG ratio of 0.00 and a ROE of only 5.95%, the financials indicate that investors may be overestimating future growth potential relative to the company's current earnings. Overall, Arman Financial appears to be overvalued in the current market environment.

How has been the historical performance of Arman Financial?

Arman Financial has shown significant growth in net sales and operating income, increasing from 190.94 Cr in Mar'21 to 730.04 Cr in Mar'25. However, profitability metrics have fluctuated, with profit before tax decreasing to 69.09 Cr in Mar'25 from 228.09 Cr in Mar'24.

Answer:<BR>The historical performance of Arman Financial shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>Arman Financial's net sales have shown a consistent upward trend, increasing from 190.94 Cr in Mar'21 to 730.04 Cr in Mar'25, with a notable jump from 423.90 Cr in Mar'23 to 661.46 Cr in Mar'24. Total operating income mirrored this growth, reaching 730.04 Cr in Mar'25. However, total expenditure also rose significantly, from 72.98 Cr in Mar'20 to 419.80 Cr in Mar'25, leading to an operating profit of 310.24 Cr in Mar'25, down from 494.91 Cr in Mar'24. Profit before tax decreased to 69.09 Cr in Mar'25 from 228.09 Cr in Mar'24, resulting in a profit after tax of 52.07 Cr for the same period. The company's total assets decreased from 2,615.90 Cr in Mar'24 to 2,201.36 Cr in Mar'25, while total liabilities also fell from 2,615.90 Cr to 2,201.36 Cr. Cash flow from operating activities improved to 492.00 Cr in Mar'25, contrasting with negative cash flows in previous years, although net cash outflow was recorded at -50.00 Cr. Overall, while Arman Financial has experienced growth in sales and operating income, profitability metrics have shown volatility, particularly in the last fiscal year.

Who are the top shareholders of the Arman Financial?

The top shareholders of Arman Financial include Namra Holdings And Consultancy Services LLP with 9.04%, Elevation Capital V Limited with 10.9%, and individual investors holding 43.21%. Additionally, two mutual fund schemes hold 1.98%, and 24 foreign institutional investors hold 1.2%, with no pledged promoter holdings reported.

The top shareholders of Arman Financial include Namra Holdings And Consultancy Services LLP, which holds the highest promoter stake at 9.04%. The largest public shareholder is Elevation Capital V Limited, with a holding of 10.9%. Additionally, individual investors collectively hold 43.21% of the shares. The company also has 2 mutual fund schemes holding 1.98% and 24 foreign institutional investors (FIIs) holding 1.2%. There are no pledged promoter holdings reported.

Has Arman Financial declared dividend?

Arman Financial has declared a 14% dividend, amounting to 1.4 per share, with an ex-date of September 13, 2019. However, the current dividend yield is 0%, and total returns have varied significantly across different periods.

Arman Financial has declared a 14% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 14%<BR>- Amount per share: 1.4<BR>- Ex-date: 13 Sep 19<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 12.04%, the dividend return was 0%, resulting in a total return of 12.04%.<BR><BR>For the 1-year period, the price return was -33.04%, the dividend return was 0%, leading to a total return of -33.04%.<BR><BR>Over the 2-year period, the price return was -22.1%, with a dividend return of 0%, resulting in a total return of -22.1%.<BR><BR>In the 3-year period, the price return was 34.24%, the dividend return was 0%, which gave a total return of 34.24%.<BR><BR>For the 4-year period, the price return was 151.6%, with no dividend return, resulting in a total return of 151.6%.<BR><BR>In the 5-year period, the price return was 327.74%, and the dividend return was 0%, leading to a total return of 327.74%.<BR><BR>Overall, while Arman Financial declared a dividend in the past, the current dividend yield is 0%, indicating no recent dividends. The total returns over various periods show significant fluctuations, with strong returns over longer periods despite negative performance in the shorter term.