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Arman Financial Services Ltd.

Finance - NBFC - MFI

Rating :
51/99

BSE: 531179 | NSE: ARMANFIN

NSE BSE
1760.50
16-Jun-2025
  • Open
  • High
  • Low
  • Previous Close
  •  1702
  •  1804
  •  1698.3
  •  1724.30
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  97433
  •  171496691.5
  •  2541.7
  •  1109.95

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,847.01
  • 34.70
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 2,331.40
  • N/A
  • 2.07

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 22.06%
  • 6.16%
  • 43.22%
  • FII
  • DII
  • Others
  • 1.19%
  • 1.98%
  • 25.39%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 36.43
  • 25.61
  • 41.19

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 37.79
  • 28.87
  • 29.51

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 39.63
  • 33.12
  • 76.22

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 17.61
  • 17.63
  • 16.34

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.31
  • 3.35
  • 3.38

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 8.87
  • 9.21
  • 7.82

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Net Sales
199.35
182.85
9.02%
164.77
168.76
-2.36%
181.49
160.33
13.20%
184.43
149.51
23.36%
Expenses
134.47
54.97
144.62%
114.22
42.01
171.89%
93.49
34.14
173.84%
77.63
35.42
119.17%
EBITDA
64.88
127.88
-49.26%
50.55
126.75
-60.12%
88.01
126.20
-30.26%
106.80
114.09
-6.39%
EBIDTM
32.55%
69.94%
30.68%
75.11%
48.49%
78.71%
57.91%
76.31%
Other Income
0.00
0.07
-100.00%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
51.75
62.95
-17.79%
56.98
71.20
-19.97%
65.26
67.35
-3.10%
65.37
63.97
2.19%
Depreciation
0.48
0.38
26.32%
0.45
0.36
25.00%
0.44
0.36
22.22%
0.42
0.32
31.25%
PBT
12.66
64.62
-80.41%
-6.89
55.18
-
22.31
58.48
-61.85%
41.01
49.80
-17.65%
Tax
-0.11
13.80
-
0.37
13.18
-97.19%
7.05
17.67
-60.10%
9.71
9.86
-1.52%
PAT
12.76
50.82
-74.89%
-7.26
42.00
-
15.26
40.82
-62.62%
31.30
39.94
-21.63%
PATM
6.40%
27.79%
-4.41%
24.89%
8.41%
25.46%
16.97%
26.71%
EPS
12.17
48.50
-74.91%
-6.92
42.92
-
14.55
46.86
-68.95%
29.87
47.02
-36.47%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Sales
730.04
661.46
423.90
235.01
194.36
211.51
138.91
78.01
53.57
40.69
29.60
Net Sales Growth
10.37%
56.04%
80.38%
20.91%
-8.11%
52.26%
78.07%
45.62%
31.65%
37.47%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
730.04
661.46
423.90
235.01
194.36
211.51
138.91
78.01
53.57
40.69
29.60
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
419.81
166.21
125.54
99.08
103.20
72.20
43.87
34.76
20.98
13.12
9.53
Power & Fuel Cost
-
0.70
0.58
0.46
0.34
0.35
0.24
0.16
0.12
0.10
0.08
% Of Sales
-
0.11%
0.14%
0.20%
0.17%
0.17%
0.17%
0.21%
0.22%
0.25%
0.27%
Employee Cost
-
71.59
54.65
41.85
35.57
36.46
25.64
16.38
10.19
6.28
5.22
% Of Sales
-
10.82%
12.89%
17.81%
18.30%
17.24%
18.46%
21.00%
19.02%
15.43%
17.64%
Manufacturing Exp.
-
5.76
5.26
4.18
3.43
3.43
2.30
1.58
1.11
0.81
0.62
% Of Sales
-
0.87%
1.24%
1.78%
1.76%
1.62%
1.66%
2.03%
2.07%
1.99%
2.09%
General & Admin Exp.
-
22.55
19.81
15.07
9.25
11.21
9.37
7.97
6.08
4.45
2.41
% Of Sales
-
3.41%
4.67%
6.41%
4.76%
5.30%
6.75%
10.22%
11.35%
10.94%
8.14%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
66.31
45.81
37.98
54.95
21.11
6.55
8.84
3.60
1.58
0.00
% Of Sales
-
10.02%
10.81%
16.16%
28.27%
9.98%
4.72%
11.33%
6.72%
3.88%
4.36%
EBITDA
310.24
495.25
298.36
135.93
91.16
139.31
95.04
43.25
32.59
27.57
20.07
EBITDA Margin
42.50%
74.87%
70.38%
57.84%
46.90%
65.86%
68.42%
55.44%
60.84%
67.76%
67.80%
Other Income
0.00
0.07
0.00
0.40
1.34
3.64
0.67
1.17
0.09
0.10
0.17
Interest
239.36
265.81
172.26
89.85
79.93
88.38
59.00
34.25
22.52
15.38
10.74
Depreciation
1.79
1.42
1.15
0.95
0.81
0.80
0.48
0.37
0.29
0.18
0.24
PBT
69.09
228.09
124.95
45.52
11.76
53.78
36.23
9.79
9.87
12.11
9.26
Tax
17.02
54.52
31.14
13.80
1.15
12.26
9.80
2.50
3.54
4.11
3.10
Tax Rate
24.63%
23.90%
24.92%
30.32%
9.78%
22.80%
27.05%
25.54%
35.87%
33.94%
33.48%
PAT
52.06
173.57
93.81
31.72
10.62
41.52
26.43
7.30
6.32
8.00
6.16
PAT before Minority Interest
52.06
173.57
93.81
31.72
10.62
41.52
26.43
7.30
6.32
8.00
6.16
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
7.13%
26.24%
22.13%
13.50%
5.46%
19.63%
19.03%
9.36%
11.80%
19.66%
20.81%
PAT Growth
-70.01%
85.02%
195.74%
198.68%
-74.42%
57.09%
262.05%
15.51%
-21.00%
29.87%
 
EPS
49.58
165.30
89.34
30.21
10.11
39.54
25.17
6.95
6.02
7.62
5.87

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
812.69
365.69
212.69
186.76
172.23
123.21
56.90
56.00
50.46
39.25
Share Capital
10.48
8.49
8.49
8.49
8.45
6.95
6.92
11.92
11.92
6.92
Total Reserves
795.64
356.96
204.07
178.13
163.12
115.40
49.98
44.08
38.54
31.90
Non-Current Liabilities
1,482.24
1,415.27
958.78
650.02
670.34
610.11
221.71
47.99
45.70
22.28
Secured Loans
1,473.81
1,354.68
949.13
647.49
659.33
590.47
207.10
48.17
45.77
22.35
Unsecured Loans
25.00
74.06
25.00
15.00
15.00
21.56
15.00
0.00
0.00
0.00
Long Term Provisions
2.59
2.00
1.16
0.90
0.80
0.00
0.66
0.26
0.29
0.15
Current Liabilities
373.06
286.19
81.45
123.21
74.93
33.61
199.77
127.48
111.93
84.25
Trade Payables
1.99
1.52
1.55
0.76
0.78
0.97
0.27
0.00
0.96
0.73
Other Current Liabilities
85.64
59.95
33.57
25.66
24.59
13.23
130.61
65.50
60.91
30.53
Short Term Borrowings
226.12
175.68
15.56
58.93
23.44
0.00
49.76
42.38
33.39
41.62
Short Term Provisions
59.31
49.05
30.77
37.86
26.12
19.42
19.13
19.60
16.68
11.38
Total Liabilities
2,667.99
2,067.15
1,252.92
959.99
917.50
766.93
478.38
231.47
208.09
145.78
Net Block
7.66
6.10
4.87
4.08
4.45
3.51
2.82
2.53
1.94
1.61
Gross Block
12.83
11.72
9.34
7.59
7.15
5.42
4.29
3.63
2.95
2.50
Accumulated Depreciation
5.17
5.62
4.46
3.52
2.71
1.91
1.47
1.11
1.00
0.89
Non Current Assets
14.78
25.58
10.81
7.25
7.70
6.83
93.25
37.96
36.35
18.08
Capital Work in Progress
0.00
0.00
0.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
7.12
19.48
5.92
3.18
3.26
3.32
2.70
2.40
1.40
0.00
Long Term Loans & Adv.
0.00
0.00
0.00
0.00
0.00
0.00
77.23
26.86
26.26
14.10
Other Non Current Assets
0.00
0.00
0.00
0.00
0.00
0.00
10.50
6.17
6.75
2.36
Current Assets
2,653.21
2,041.57
1,242.10
952.73
909.80
760.11
385.13
193.51
171.74
127.69
Current Investments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
0.00
0.00
0.00
0.00
0.00
0.00
7.42
5.54
1.97
1.23
Cash & Bank
524.73
430.32
142.34
168.37
96.84
68.54
18.85
21.38
10.70
16.76
Other Current Assets
2,128.49
27.86
4.45
5.31
812.96
691.57
358.85
166.58
159.07
109.70
Short Term Loans & Adv.
2,097.94
1,583.39
1,095.30
779.05
811.28
690.40
358.55
166.58
159.07
109.70
Net Current Assets
2,280.15
1,755.38
1,160.65
829.52
834.86
726.50
185.36
66.02
59.81
43.45
Total Assets
2,667.99
2,067.15
1,252.91
959.98
917.50
766.94
478.38
231.47
208.09
145.77

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
-302.40
-717.66
-280.70
5.91
-75.75
-220.76
-202.57
21.42
-1.03
6.87
PBT
228.09
124.95
45.52
11.76
53.78
36.23
9.79
9.87
12.11
9.26
Adjustment
-339.42
-232.76
-124.64
-70.86
-103.02
-76.05
39.87
25.77
15.37
11.67
Changes in Working Capital
-462.55
-784.73
-323.63
-34.54
-122.84
-249.89
-248.26
-10.79
-24.14
-11.08
Cash after chg. in Working capital
-573.88
-892.54
-402.75
-93.63
-172.08
-289.71
-198.59
24.85
3.34
9.85
Interest Paid
-265.51
-175.35
-83.96
-75.72
-86.12
-57.69
0.00
0.00
0.00
0.00
Tax Paid
-57.50
-26.63
-17.55
-6.37
-17.75
-8.16
-3.98
-3.43
-4.37
-2.98
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
594.49
376.85
223.56
181.63
200.21
134.80
0.00
0.00
0.00
0.00
Cash From Investing Activity
18.38
-12.62
-1.97
1.52
1.90
-0.63
-12.24
-1.68
-6.91
-0.75
Net Fixed Assets
-0.42
-0.12
-0.18
-0.04
-0.15
0.59
-0.05
0.24
-0.19
0.14
Net Investments
-84.68
-103.40
-27.85
-2.82
-11.28
-28.67
-7.00
-5.00
-0.42
0.00
Others
103.48
90.90
26.06
4.38
13.33
27.45
-5.19
3.08
-6.30
-0.89
Cash from Financing Activity
376.39
680.97
270.28
22.20
93.82
251.73
205.40
-9.45
1.26
-5.48
Net Cash Inflow / Outflow
92.37
-49.31
-12.39
29.63
19.97
30.34
-9.41
10.29
-6.67
0.64
Opening Cash & Equivalents
26.22
75.53
87.92
58.29
38.32
7.98
17.39
7.30
13.97
13.33
Closing Cash & Equivalent
118.59
26.22
75.53
87.92
58.29
38.32
7.98
17.59
7.30
13.97

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value (Rs.)
769.43
430.33
250.32
219.85
203.02
175.99
82.17
73.65
65.65
56.07
ROA
7.33%
5.65%
2.87%
1.13%
4.93%
4.24%
2.06%
2.88%
4.52%
4.68%
ROE
29.63%
32.46%
15.89%
5.93%
28.25%
29.49%
13.52%
13.11%
18.98%
16.98%
ROCE
21.91%
18.74%
12.83%
10.31%
17.71%
16.04%
13.34%
16.34%
17.16%
16.63%
Fixed Asset Turnover
53.88
40.26
27.76
26.36
33.65
28.63
19.70
16.28
14.93
11.66
Receivable days
0.00
0.00
0.00
0.00
0.00
0.00
30.34
25.60
14.37
12.60
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
7.71
12.26
5.21
0.00
41.50
21.40
Cash Conversion Cycle
0.00
0.00
0.00
0.00
-7.71
-12.26
25.13
25.60
-27.13
-8.80
Total Debt/Equity
2.14
4.39
4.66
3.87
4.07
5.00
6.95
2.71
2.73
2.39
Interest Cover
1.86
1.73
1.51
1.15
1.61
1.61
1.29
1.44
1.79
1.86

Annual Reports:

FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015

News Update:


  • Arman Financial Services gets nod to raise Rs 42 crore via NCDs
    14th Jun 2025, 15:18 PM

    The Finance & Investment Committee of the Board of Directors of the company at its meeting held on June 14, 2025, has inter-alia considered and approved the same

    Read More
  • Arman Financial Services raises Rs 40 crore through NCDs
    6th Jun 2025, 09:50 AM

    The Board of Directors, by way of a circular resolution dated June 05, 2025, has approved allotment of the same

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.