ScoreWhy is Arman Financial Services Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 14.19%
2
The company has declared positive results in Sep'2025 after 4 consecutive negative quarters
- OPERATING CF(Y) Highest at Rs 492.82 Cr
- PBT LESS OI(Q) At Rs 17.94 cr has Grown at 324.4% (vs previous 4Q average)
- PAT(Q) At Rs 7.99 cr has Grown at 416.3% (vs previous 4Q average)
3
With ROE of -0.1, it has a Very Expensive valuation with a 1.8 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 10.59%, its profits have fallen by -100.8%
4
Majority shareholders : Non Institution
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Arman Financial should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Arman Financial for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Arman Financial
10.59%
0.24
43.97%
Sensex
4.83%
0.41
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
23
Price to Book Value
1.79
EV to EBIT
10.38
EV to EBITDA
10.30
EV to Capital Employed
1.43
EV to Sales
3.43
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
13.73%
ROE (Latest)
-0.12%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CF(Y)
Highest at Rs 492.82 Cr
PBT LESS OI(Q)
At Rs 17.94 cr has Grown at 324.4% (vs previous 4Q average
PAT(Q)
At Rs 7.99 cr has Grown at 416.3% (vs previous 4Q average
DEBT-EQUITY RATIO(HY)
Lowest at 1.37 times
-5What is not working for the Company
PAT(9M)
At Rs 6.17 cr has Grown at -93.66%
NET SALES(Q)
At Rs 159.21 cr has Fallen at -8.6% (vs previous 4Q average
Loading Valuation Snapshot...
Here's what is working for Arman Financial
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 17.94 cr has Grown at 324.4% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 4.23 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 7.99 cr has Grown at 416.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 1.55 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Cash Flow - Annually
Highest at Rs 492.82 Cr and Grown
each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Debt-Equity Ratio - Half Yearly
Lowest at 1.37 times and Fallen
each half year in the last five half yearly periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Here's what is not working for Arman Financial
Net Sales - Quarterly
At Rs 159.21 cr has Fallen at -8.6% (vs previous 4Q average)
over average Net Sales of the previous four quarters of Rs 174.15 CrMOJO Watch
Near term sales trend is negative
Net Sales (Rs Cr)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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