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Arman Financial Services Ltd.

Finance - NBFC - MFI

Rating :
66/99

BSE: 531179 | NSE: ARMANFIN

NSE BSE
2198.50
26-Sep-2023
  • Open
  • High
  • Low
  • Previous Close
  •  2229.40
  •  2230.00
  •  2145.05
  •  2207.35
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  13767
  •  300.46
  •  2539.70
  •  1190.00

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,870.07
  • 15.84
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 2,717.42
  • N/A
  • 4.61

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 27.27%
  • 3.89%
  • 31.47%
  • FII
  • DII
  • Others
  • 4.86%
  • 0.00%
  • 32.51%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 30.00
  • 24.57
  • 3.43

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 29.08
  • 25.55
  • -0.64

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 25.24
  • 34.15
  • -8.58

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 17.56
  • 18.11
  • 28.91

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.30
  • 3.61
  • 3.91

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 9.13
  • 9.92
  • 11.21

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 23
Jun 22
Var%
Mar 23
Mar 22
Var%
Dec 22
Dec 21
Var%
Sep 22
Sep 21
Var%
Net Sales
149.51
78.90
89.49%
149.31
75.65
97.37%
101.62
57.77
75.90%
91.62
50.32
82.07%
Expenses
35.42
30.04
17.91%
36.86
28.70
28.43%
29.29
23.69
23.64%
29.60
23.55
25.69%
EBITDA
114.09
48.86
133.50%
112.45
46.96
139.46%
72.33
34.08
112.24%
62.02
26.77
131.68%
EBIDTM
76.31%
61.93%
75.31%
62.07%
71.17%
59.00%
67.69%
53.19%
Other Income
0.00
0.00
0
0.00
0.16
-100.00%
1.42
0.91
56.04%
1.03
0.50
106.00%
Interest
63.97
28.57
123.91%
63.31
24.70
156.32%
44.04
25.21
74.69%
36.07
19.69
83.19%
Depreciation
0.32
0.27
18.52%
0.31
0.34
-8.82%
0.31
0.20
55.00%
0.26
0.21
23.81%
PBT
49.80
20.02
148.75%
48.84
22.08
121.20%
29.39
9.58
206.78%
26.71
7.36
262.91%
Tax
9.86
4.30
129.30%
12.63
5.80
117.76%
7.42
2.56
189.84%
6.79
2.51
170.52%
PAT
39.94
15.71
154.23%
36.20
16.28
122.36%
21.98
7.02
213.11%
19.92
4.85
310.72%
PATM
26.71%
19.92%
24.24%
21.52%
21.62%
12.15%
21.74%
9.64%
EPS
47.02
18.51
154.02%
42.63
19.17
122.38%
25.88
8.27
212.94%
23.46
5.71
310.86%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Net Sales
492.06
234.01
194.36
211.51
138.91
78.01
53.57
40.69
29.60
24.47
16.98
Net Sales Growth
87.35%
20.40%
-8.11%
52.26%
78.07%
45.62%
31.65%
37.47%
20.96%
44.11%
 
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
492.06
234.01
194.36
211.51
138.91
78.01
53.57
40.69
29.60
24.47
16.98
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
131.17
99.08
103.20
72.20
43.87
34.76
20.98
13.12
9.53
8.64
6.47
Power & Fuel Cost
-
0.46
0.34
0.35
0.24
0.16
0.12
0.10
0.08
0.06
0.05
% Of Sales
-
0.20%
0.17%
0.17%
0.17%
0.21%
0.22%
0.25%
0.27%
0.25%
0.29%
Employee Cost
-
41.85
35.57
36.46
25.64
16.38
10.19
6.28
5.22
4.55
3.26
% Of Sales
-
17.88%
18.30%
17.24%
18.46%
21.00%
19.02%
15.43%
17.64%
18.59%
19.20%
Manufacturing Exp.
-
4.18
3.43
3.43
2.30
1.58
1.11
0.81
0.62
0.49
0.40
% Of Sales
-
1.79%
1.76%
1.62%
1.66%
2.03%
2.07%
1.99%
2.09%
2.00%
2.36%
General & Admin Exp.
-
15.07
9.25
11.21
9.37
7.97
6.08
4.45
2.41
2.82
2.16
% Of Sales
-
6.44%
4.76%
5.30%
6.75%
10.22%
11.35%
10.94%
8.14%
11.52%
12.72%
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.
-
37.98
54.95
21.11
6.55
8.84
3.60
1.58
1.29
0.78
0.00
% Of Sales
-
16.23%
28.27%
9.98%
4.72%
11.33%
6.72%
3.88%
4.36%
3.19%
3.83%
EBITDA
360.89
134.93
91.16
139.31
95.04
43.25
32.59
27.57
20.07
15.83
10.51
EBITDA Margin
73.34%
57.66%
46.90%
65.86%
68.42%
55.44%
60.84%
67.76%
67.80%
64.69%
61.90%
Other Income
2.45
1.39
1.34
3.64
0.67
1.17
0.09
0.10
0.17
0.07
0.08
Interest
207.39
89.85
79.93
88.38
59.00
34.25
22.52
15.38
10.74
9.12
5.73
Depreciation
1.20
0.95
0.81
0.80
0.48
0.37
0.29
0.18
0.24
0.11
0.11
PBT
154.74
45.52
11.76
53.78
36.23
9.79
9.87
12.11
9.26
6.67
4.75
Tax
36.70
13.80
1.15
12.26
9.80
2.50
3.54
4.11
3.10
2.14
1.41
Tax Rate
23.72%
30.32%
9.78%
22.80%
27.05%
25.54%
35.87%
33.94%
33.48%
32.08%
29.68%
PAT
118.04
31.72
10.62
41.52
26.43
7.30
6.32
8.00
6.16
4.53
3.34
PAT before Minority Interest
118.04
31.72
10.62
41.52
26.43
7.30
6.32
8.00
6.16
4.53
3.34
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
23.99%
13.55%
5.46%
19.63%
19.03%
9.36%
11.80%
19.66%
20.81%
18.51%
19.67%
PAT Growth
169.13%
198.68%
-74.42%
57.09%
262.05%
15.51%
-21.00%
29.87%
35.98%
35.63%
 
EPS
138.87
37.32
12.49
48.85
31.09
8.59
7.44
9.41
7.25
5.33
3.93

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Shareholder's Funds
212.69
186.76
172.23
123.21
56.90
56.00
50.46
39.25
33.71
22.75
Share Capital
8.49
8.49
8.45
6.95
6.92
11.92
11.92
6.92
6.92
5.65
Total Reserves
204.08
178.13
163.12
115.40
49.98
44.08
38.54
31.90
26.79
16.95
Non-Current Liabilities
958.78
650.02
670.34
610.11
221.71
47.99
45.70
22.28
10.31
6.06
Secured Loans
949.13
647.49
659.33
590.47
207.10
48.17
45.77
22.35
10.28
6.01
Unsecured Loans
25.00
15.00
15.00
21.56
15.00
0.00
0.00
0.00
0.00
0.00
Long Term Provisions
1.16
0.90
0.80
0.00
0.66
0.26
0.29
0.15
0.10
0.11
Current Liabilities
81.43
123.21
74.93
33.61
199.77
127.48
111.93
84.25
73.38
57.25
Trade Payables
1.18
0.76
0.78
0.97
0.27
0.00
0.96
0.73
0.00
0.00
Other Current Liabilities
33.93
25.66
24.59
13.23
130.61
65.50
60.91
30.53
15.55
21.40
Short Term Borrowings
15.56
58.93
23.44
0.00
49.76
42.38
33.39
41.62
50.39
31.17
Short Term Provisions
30.77
37.86
26.12
19.42
19.13
19.60
16.68
11.38
7.45
4.69
Total Liabilities
1,252.90
959.99
917.50
766.93
478.38
231.47
208.09
145.78
117.40
86.06
Net Block
4.87
4.08
4.45
3.51
2.82
2.53
1.94
1.61
1.82
1.04
Gross Block
9.34
7.59
7.15
5.42
4.29
3.63
2.95
2.50
2.57
1.68
Accumulated Depreciation
4.46
3.52
2.71
1.91
1.47
1.11
1.00
0.89
0.75
0.64
Non Current Assets
10.81
7.25
7.70
6.83
93.25
37.96
36.35
18.08
15.42
16.62
Capital Work in Progress
0.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
5.92
3.18
3.26
3.32
2.70
2.40
1.40
0.00
0.00
0.00
Long Term Loans & Adv.
0.00
0.00
0.00
0.00
77.23
26.86
26.26
14.10
10.87
14.60
Other Non Current Assets
0.00
0.00
0.00
0.00
10.50
6.17
6.75
2.36
2.72
0.98
Current Assets
1,242.08
952.73
909.80
760.11
385.13
193.51
171.74
127.69
101.99
69.44
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
7.42
5.54
1.97
1.23
0.81
0.57
Cash & Bank
142.34
168.37
96.84
68.54
18.85
21.38
10.70
16.76
15.09
7.50
Other Current Assets
1,099.74
5.31
1.68
1.17
358.85
166.58
159.07
109.70
86.08
61.37
Short Term Loans & Adv.
1,095.29
779.05
811.28
690.40
358.55
166.58
159.07
109.70
86.08
61.37
Net Current Assets
1,160.65
829.52
834.86
726.50
185.36
66.02
59.81
43.45
28.61
12.18
Total Assets
1,252.89
959.98
917.50
766.94
478.38
231.47
208.09
145.77
117.41
86.06

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Cash From Operating Activity
-280.70
5.91
-75.75
-220.76
-202.57
21.42
-1.03
6.87
-6.23
-24.43
PBT
45.52
11.76
53.78
36.23
9.79
9.87
12.11
9.26
6.67
4.75
Adjustment
-124.64
-70.86
-103.02
-76.05
39.87
25.77
15.37
11.67
9.09
0.22
Changes in Working Capital
-323.63
-34.54
-122.84
-249.89
-248.26
-10.79
-24.14
-11.08
-19.79
-27.76
Cash after chg. in Working capital
-402.75
-93.63
-172.08
-289.71
-198.59
24.85
3.34
9.85
-4.03
-22.78
Interest Paid
-83.96
-75.72
-86.12
-57.69
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-17.55
-6.37
-17.75
-8.16
-3.98
-3.43
-4.37
-2.98
-2.20
-1.65
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
223.56
181.63
200.21
134.80
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-1.97
1.52
1.90
-0.63
-12.24
-1.68
-6.91
-0.75
-2.45
0.07
Net Fixed Assets
-0.18
-0.04
-0.15
0.59
-0.05
0.24
-0.19
0.14
-0.86
-0.07
Net Investments
-27.85
-2.82
-11.28
-28.67
-7.00
-5.00
-0.42
0.00
-5.00
-3.00
Others
26.06
4.38
13.33
27.45
-5.19
3.08
-6.30
-0.89
3.41
3.14
Cash from Financing Activity
270.28
22.20
93.82
251.73
205.40
-9.45
1.26
-5.48
16.46
21.98
Net Cash Inflow / Outflow
-12.39
29.63
19.97
30.34
-9.41
10.29
-6.67
0.64
7.78
-2.39
Opening Cash & Equivalents
87.92
58.29
38.32
7.98
17.39
7.30
13.97
13.33
5.55
7.93
Closing Cash & Equivalent
75.53
87.92
58.29
38.32
7.98
17.59
7.30
13.97
13.33
5.55

Financial Ratios

Consolidated /

Standalone
Description
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Book Value (Rs.)
250.33
219.85
203.02
175.99
82.17
73.65
65.65
56.07
48.68
40.00
ROA
2.87%
1.13%
4.93%
4.24%
2.06%
2.88%
4.52%
4.68%
4.45%
4.36%
ROE
15.89%
5.93%
28.25%
29.49%
13.52%
13.11%
18.98%
16.98%
16.09%
19.36%
ROCE
12.83%
10.31%
17.71%
16.04%
13.34%
16.34%
17.16%
16.63%
16.71%
15.38%
Fixed Asset Turnover
27.64
26.36
33.65
28.63
19.70
16.28
14.93
11.66
11.51
10.32
Receivable days
0.00
0.00
0.00
0.00
30.34
25.60
14.37
12.60
10.32
12.11
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
7.71
12.26
5.21
0.00
41.50
21.40
0.00
0.00
Cash Conversion Cycle
0.00
0.00
-7.71
-12.26
25.13
25.60
-27.13
-8.80
10.32
12.11
Total Debt/Equity
4.66
3.87
4.07
5.00
6.95
2.71
2.73
2.39
2.22
2.55
Interest Cover
1.51
1.15
1.61
1.61
1.29
1.44
1.79
1.86
1.73
1.83

Annual Reports:

FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015
FY 2014
FY 2013

News Update:


  • Arman Financial Serv - Quarterly Results
    14th Aug 2023, 18:36 PM

    Read More
  • Arman Financial Services raises Rs 49 crore via NCDs
    19th Jul 2023, 15:12 PM

    The Board of directors by way of circular resolution on July 19, 2023, have approved the allotment of the same

    Read More
  • Arman Financial Services gets nod to raise Rs 49 crore via NCDs
    8th Jul 2023, 15:33 PM

    The Finance & Investment Committee of the Company has at its meeting held on July 08, 2023 inter-alia, considered and approved the same

    Read More
  • Arman Financial Services planning to raise funds via NCDs
    5th Jul 2023, 14:59 PM

    The Finance & Investment Committee of the Company at its meeting scheduled to be held on July 08, 2023 will consider 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.