Arman Financial

Why is Arman Financial Services Ltd falling/rising?

As of 20-Aug, Arman Financial Services Ltd's stock price is rising to 1,970.00, reflecting a 1.93% increase. This rise is driven by strong long-term fundamentals, positive recent financial results, and increased institutional investment, despite some concerns about valuation and investor participation.

As of 20-Aug, Arman Financial Services Ltd's stock price is rising, currently at 1,970.00, reflecting a change of 37.35 (1.93%) upward. This increase can be attributed to several factors. Notably, the stock has outperformed its sector by 1.07% today and has experienced a trend reversal, gaining after four consecutive days of decline. The stock reached an intraday high of Rs 2020.85, indicating strong intraday performance.<BR><BR>Additionally, the company has demonstrated robust long-term fundamental strength, with a compound annual growth rate (CAGR) of 33.22% in operating profits. The positive financial results declared on June 26, including the highest quarterly net sales and operating profit margins, have likely contributed to investor confidence. Furthermore, institutional investors have increased their stake in the company by 1.15% over the previous quarter, which suggests growing confidence from more sophisticated market participants.<BR><BR>Despite some concerns regarding falling investor participation and a high valuation compared to peers, the overall market-beating performance, with a 29.02% return over the past year, supports the stock's upward movement. These factors combined indicate a favorable outlook for Arman Financial Services Ltd, contributing to its rising stock price.

Which are the latest news on Arman Financial?

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

Who are in the management team of Arman Financial?

The management team of Arman Financial includes Jayendra Patel (Vice Chairman & Managing Director), Aalok Jayendrabhai Patel (Joint Managing Director), and Alok Prasad (Chairman & Independent Director), among others, bringing diverse skills and experiences to the leadership.

The management team of Arman Financial includes the following individuals:<BR><BR>1. **Jayendra Patel** - Vice Chairman & Managing Director<BR>2. **Ritaben Jayendrabhai Patel** - Non-Executive & Non-Independent Director<BR>3. **Ramakant Nagpal** - Non-Executive & Independent Director<BR>4. **Aalok Jayendrabhai Patel** - Joint Managing Director<BR>5. **Aakash Jayendra Patel** - Non-Executive & Non-Independent Director<BR>6. **Jaimish Govindbhai Patel** - Company Secretary<BR>7. **Mridul Arora** - Nominee<BR>8. **Alok Prasad** - Chairman & Independent Director<BR>9. **Geeta Solanki** - Non-Executive & Independent Director<BR>10. **Yash Kaushik Shah** - Additional Independent Director<BR><BR>This team brings a diverse set of skills and experiences to the company’s leadership.

What does Arman Financial do?

Arman Financial Services Ltd is a non-banking finance company that offers Small and Medium Enterprise Loans, Two-Wheeler Finance, and Loan Against Property. As of June 2026, it reported net sales of ₹202 Cr and a net profit of ₹45 Cr, with a market cap of ₹2,258 Cr.

Overview:<BR>Arman Financial Services Ltd is a non-banking finance company (NBFC) that provides Small and Medium Enterprise Loans, Two-Wheeler Finance, and Loan Against Property, operating within the small-cap market segment.<BR><BR>History:<BR>Arman Financial Services Ltd was incorporated as 'Arman Lease & Finance Limited' on November 26, 1992. The latest quarterly results reported net sales and net profit for the period ending June 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 202 Cr (Quarterly Results - Jun 2026)<BR>- Net Profit: 45 Cr (Quarterly Results - Jun 2026)<BR>- Market Cap: INR 2,258 Cr (Small Cap)<BR><BR>Key Metrics:<BR>- P/E: 18.00<BR>- Industry P/E: 21<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 1.90<BR>- Return on Equity: 6.06%<BR>- Price to Book: 2.26<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

Who are the peers of the Arman Financial?

Arman Financial's peers include Indostar Capital, Ashika Global Se, Mufin Green, and others, with varying management and growth risks. Arman Financial has a good growth rating and a 1-year return of 45.94%, outperforming PTC India Fin, which has the lowest return at -26.70%.

Peers: The peers of Arman Financial are Indostar Capital, Ashika Global Se, Mufin Green, Kalyani Invest., Grand Oak Canyon, Spice LoungeFood, Shipping Land, Algoquant Fin, PTC India Fin, and Balmer Law. Inv.<BR><BR>Quality Snapshot: Excellent management risk is observed at Ashika Global Se, Mufin Green, Kalyani Invest., Spice LoungeFood, and the rest. Below Average management risk is found at Indostar Capital, Grand Oak Canyon, Shipping Land, PTC India Fin, and the rest. Average management risk is present at Arman Financial and Algoquant Fin. Growth is Excellent for Ashika Global Se, Mufin Green, Kalyani Invest., Spice LoungeFood, and the rest, while Good growth is noted at Arman Financial. Below Average growth is seen at Indostar Capital, Grand Oak Canyon, and Shipping Land. Capital Structure is Excellent for Indostar Capital, Ashika Global Se, Mufin Green, Kalyani Invest., Arman Financial, and PTC India Fin, while Below Average is noted for Grand Oak Canyon and Shipping Land.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Mufin Green at 47.10%, while the lowest is PTC India Fin at -26.70%. Arman Financial's 1-year return of 45.94% is significantly higher than PTC India Fin's. Additionally, Grand Oak Canyon, Spice LoungeFood, Shipping Land, Algoquant Fin, and PTC India Fin all have negative six-month returns.

How big is Arman Financial?

As of 14th August, Arman Financial Services Ltd has a market capitalization of 2,085.18 Cr, with recent net sales of 696.64 Cr and a net profit of 116.35 Cr over the last four quarters.

As of 14th August, <BR><BR>Market Cap: Arman Financial Services Ltd has a market capitalization of 2,085.18 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 696.64 Cr, while the sum of Net Profit for the same period is 116.35 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2025, with Shareholder's Funds valued at 874.41 Cr and Total Assets amounting to 2,201.36 Cr.

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

The next results date for Arman Financial Services Ltd is 12 August 2026.

The next results date for Arman Financial Services Ltd is scheduled for 12 August 2026.

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.

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.