Arman Financial

Which are the latest news on Arman Financial?

Why is Arman Financial Services Ltd falling/rising?

As of 05-Sep, Arman Financial Services Ltd's stock price has risen to Rs 2,069.60, reflecting a 3.53% increase. This growth is driven by strong performance relative to the Sensex, positive market sentiment, and increased institutional investment.

As of 05-Sep, Arman Financial Services Ltd is experiencing a rise in its stock price, currently at Rs 2,069.60, which reflects an increase of Rs 70.65 or 3.53%. This upward movement can be attributed to several positive factors. <BR><BR>Firstly, the stock has shown strong performance relative to the benchmark Sensex, with a 1-week return of +1.77% compared to the Sensex's -0.97%, and a year-to-date return of +33.44% against the Sensex's -10.21%. Additionally, the stock has outperformed its sector by 2.52% today and has been on a consecutive gain streak for the last two days, accumulating a total return of 6.27% in this period.<BR><BR>The stock is also trading above its moving averages across various time frames, indicating a bullish trend. Furthermore, it is close to its 52-week high, just 4.26% away from Rs 2,159.1. The company has reported strong long-term fundamental strength, with an impressive 33.22% compound annual growth rate (CAGR) in operating profits and positive results over the last four consecutive quarters.<BR><BR>Moreover, there has been an increase in participation from institutional investors, who have raised their stake by 1.15% in the previous quarter, indicating confidence in the company's fundamentals. This institutional backing often leads to increased investor confidence and can drive stock prices higher.<BR><BR>In summary, the combination of strong financial performance, positive market sentiment, and institutional investment is contributing to the rising stock price of Arman Financial Services Ltd.

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 Chairman & Independent Director Alok Prasad, among others, bringing diverse expertise to the company.

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 range of expertise and leadership to the company.

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 INR 2,100 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 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 2,100 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: 2.30 <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, Dhenu Buildcon, Ashika Global Se, Mufin Green, Kalyani Invest., Shipping Land, Grand Oak Canyon, Algoquant Fin, and PTC India Fin. Management risk varies from excellent to below average among these peers, with Arman Financial showing good growth and a 1-year return of 45.97%.

Peers: The peers of Arman Financial are Indostar Capital, Dhenu Buildcon, Ashika Global Se, Mufin Green, Kalyani Invest., Shipping Land, Grand Oak Canyon, Algoquant Fin, and PTC India Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Indostar Capital, Ashika Global Se, Mufin Green, Kalyani Invest., and PTC India Fin, while Average management risk is found at Arman Financial and Algoquant Fin. Below Average management risk is noted for Shipping Land, Grand Oak Canyon, and the rest. Excellent growth is seen at Ashika Global Se, Mufin Green, Kalyani Invest., and the rest, while Good growth is reported for Arman Financial, and Below Average growth is noted for Shipping Land, Dhenu Buildcon, and the rest. Excellent capital structure is exhibited by Indostar Capital, Ashika Global Se, Mufin Green, Kalyani Invest., Arman Financial, and PTC India Fin, while Below Average capital structure is found at Shipping Land, Grand Oak Canyon, and the rest.<BR><BR>Return Snapshot: Mufin Green has the highest 1-year return at 59.67%, while PTC India Fin has the lowest at -29.00%. Arman Financial's 1-year return of 45.97% is significantly higher than PTC India Fin's. Additionally, Shipping Land, Grand Oak Canyon, Algoquant Fin, and PTC India Fin have negative six-month returns.

How big is Arman Financial?

As of 31st August, Arman Financial Services Ltd has a market capitalization of 2,100.00 Cr, with Net Sales of 696.64 Cr and a Net Profit of 116.35 Cr reported in the latest four quarters.

As of 31st August, Arman Financial Services Ltd has a market capitalization of 2,100.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, Arman Financial reported Net Sales of 696.64 Cr and a Net Profit of 116.35 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 874.41 Cr and Total Assets totaling 2,201.36 Cr.

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

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.