Arman Financial Services Ltd (ARMANFIN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Part of MojoOne Strategy

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Arman Financial

Mufin Green

Algoquant Fin

Ashika Credit

Ugro Capital

Shipping Land

Kalyani Invest.

Balmer Law. Inv.

Summit Securitie

PTC India Fin

Mrugesh Trading

Why is Arman Financial Services Ltd ?

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 14.19%

Healthy long term growth as Net Sales has grown by an annual rate of 27.10% and Operating profit at 20.83%

Positive results in Dec 25

DEBT-EQUITY RATIO(HY) Lowest at 1.37 times
PBDIT(Q) Highest at Rs 79.73 cr.
OPERATING PROFIT TO NET SALES(Q) Highest at 49.81%

With ROE of -0.1, it has a Very Expensive valuation with a 2.2 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 17.74%, its profits have fallen by -68.6%

Despite the size of the company, domestic mutual funds hold only 0.75% of the company

Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business

Market Beating Performance

Even though the market (BSE500) has generated negative returns of -0.03% in the last 1 year, the stock has been able to generate 17.74% returns

Real-Time Research Report

Verdict Report

How 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, High Return

Absolute

Risk Adjusted

Volatility

Arman Financial

17.86%

0.43

41.46%

Sensex

-7.29%

-0.56

13.06%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

27.10%

EBIT Growth (5y)

20.83%

Net Debt to Equity (avg)

1.37

Institutional Holding

6.79%

ROE (avg)

14.19%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.19

EV to EBIT

10.55

EV to EBITDA

10.48

EV to Capital Employed

1.64

EV to Sales

3.98

PEG Ratio

Dividend Yield

ROCE (Latest)

13.73%

ROE (Latest)

-0.12%

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bullish

Mildly Bullish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

19What is working for the Company

DEBT-EQUITY RATIO(HY)

Lowest at 1.37 times

PBDIT(Q)

Highest at Rs 79.73 cr.

OPERATING PROFIT TO NET SALES(Q)

Highest at 49.81%

PBT LESS OI(Q)

Highest at Rs 28.50 cr.

PAT(Q)

Highest at Rs 22.18 cr.

EPS(Q)

Highest at Rs 21.10

-4What is not working for the Company

PAT(9M)

At Rs 15.59 cr has Grown at -60.34%

NET SALES(Q)

At Rs 160.07 cr has Fallen at -5.0% (vs previous 4Q average

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Here's what is working for Arman Financial

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs 28.50 cr has Grown at 809.1% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs 3.14 Cr

MOJO Watch

Near term PBT trend is very positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

At Rs 22.18 cr has Grown at 8239.4% (vs previous 4Q average)

over average PAT of the previous four quarters of Rs -0.27 Cr

MOJO Watch

Near term PAT trend is very positive

PAT (Rs Cr)

Debt-Equity Ratio - Half Yearly

Lowest at 1.37 times and Fallen

each half year in the last five half yearly periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Operating Profit (PBDIT) - Quarterly

Highest at Rs 79.73 cr.

in the last five quarters

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (Rs Cr)

Operating Profit Margin - Quarterly

Highest at 49.81%

in the last five quarters

MOJO Watch

Company's efficiency has improved

Operating Profit to Sales

Profit Before Tax less Other Income (PBT) - Quarterly

Highest at Rs 28.50 cr.

in the last five quarters

MOJO Watch

Near term PBT trend is positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

Highest at Rs 22.18 cr.

in the last five quarters

MOJO Watch

Near term PAT trend is positive

PAT (Rs Cr)

Earnings per Share (EPS) - Quarterly

Highest at Rs 21.10

in the last five quarters

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (Rs)

Here's what is not working for Arman Financial

Net Sales - Quarterly

At Rs 160.07 cr has Fallen at -5.0% (vs previous 4Q average)

over average Net Sales of the previous four quarters of Rs 168.58 Cr

MOJO Watch

Near term sales trend is negative

Net Sales (Rs Cr)