Nifty
Sensex
:
:
15699.25
52727.98
142.60 (0.92%)
462.26 (0.88%)

Finance - NBFC - MFI

Rating :
66/99

BSE: 531179 | NSE: ARMANFIN

1099.50
24-Jun-2022
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 1068.90
  • 1118.80
  • 1042.00
  • 1041.45
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  9186
  •  99.16
  •  1275.00
  •  605.60

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 931.95
  • 29.45
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,485.00
  • N/A
  • 4.39

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 27.45%
  • 3.63%
  • 32.06%
  • FII
  • DII
  • Others
  • 4.94%
  • 0.00%
  • 31.92%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 28.55
  • 28.94
  • 11.19

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 24.12
  • 21.91
  • -1.59

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 13.25
  • 10.94
  • -26.21

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 16.06
  • 21.61
  • 20.69

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.85
  • 3.28
  • 3.28

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 8.57
  • 9.52
  • 10.27

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 22
Mar 21
Var%
Dec 21
Dec 20
Var%
Sep 21
Sep 20
Var%
Jun 21
Jun 20
Var%
Net Sales
75.65
45.00
68.11%
57.77
47.20
22.39%
50.32
50.77
-0.89%
49.33
48.64
1.42%
Expenses
28.70
25.01
14.75%
23.69
27.14
-12.71%
23.55
30.89
-23.76%
23.15
20.20
14.60%
EBITDA
46.96
19.98
135.04%
34.08
20.07
69.81%
26.76
19.89
34.54%
26.18
28.44
-7.95%
EBIDTM
62.07%
44.41%
59.00%
42.51%
53.19%
39.16%
53.07%
58.46%
Other Income
0.16
0.24
-33.33%
0.91
0.67
35.82%
0.50
0.92
-45.65%
0.37
0.33
12.12%
Interest
24.70
20.18
22.40%
25.21
17.21
46.48%
19.69
18.64
5.63%
19.84
21.93
-9.53%
Depreciation
0.34
0.20
70.00%
0.20
0.20
0.00%
0.21
0.20
5.00%
0.21
0.21
0.00%
PBT
22.08
-0.15
-
9.58
3.33
187.69%
7.36
1.96
275.51%
6.50
6.63
-1.96%
Tax
5.80
-1.02
-
2.56
0.40
540.00%
2.51
0.45
457.78%
2.93
1.32
121.97%
PAT
16.28
0.87
1,771.26%
7.02
2.92
140.41%
4.85
1.52
219.08%
3.57
5.31
-32.77%
PATM
21.52%
1.93%
12.15%
6.19%
9.64%
2.98%
7.24%
10.91%
EPS
19.17
1.02
1,779.41%
8.27
3.44
140.41%
5.71
1.78
220.79%
4.21
6.28
-32.96%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Net Sales
233.07
190.94
211.51
138.91
78.01
53.57
40.69
29.60
24.47
16.98
15.50
Net Sales Growth
21.64%
-9.73%
52.26%
78.07%
45.62%
31.65%
37.47%
20.96%
44.11%
9.55%
 
Cost Of Goods Sold
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
233.06
190.94
211.51
138.91
78.01
53.57
40.69
29.60
24.47
16.98
15.50
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
99.09
103.20
72.20
43.87
34.76
20.98
13.12
9.53
8.64
6.47
5.39
Power & Fuel Cost
-
0.34
0.35
0.24
0.16
0.12
0.10
0.08
0.06
0.05
0.03
% Of Sales
-
0.18%
0.17%
0.17%
0.21%
0.22%
0.25%
0.27%
0.25%
0.29%
0.19%
Employee Cost
-
35.57
36.46
25.64
16.38
10.19
6.28
5.22
4.55
3.26
2.17
% Of Sales
-
18.63%
17.24%
18.46%
21.00%
19.02%
15.43%
17.64%
18.59%
19.20%
14.00%
Manufacturing Exp.
-
3.43
3.43
2.30
1.58
1.11
0.81
0.62
0.49
0.40
0.37
% Of Sales
-
1.80%
1.62%
1.66%
2.03%
2.07%
1.99%
2.09%
2.00%
2.36%
2.39%
General & Admin Exp.
-
9.25
11.21
9.37
7.97
6.08
4.45
2.41
2.82
2.16
2.11
% Of Sales
-
4.84%
5.30%
6.75%
10.22%
11.35%
10.94%
8.14%
11.52%
12.72%
13.61%
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.
-
54.95
21.11
6.55
8.84
3.60
1.58
1.29
0.78
0.65
0.00
% Of Sales
-
28.78%
9.98%
4.72%
11.33%
6.72%
3.88%
4.36%
3.19%
3.83%
4.77%
EBITDA
133.98
87.74
139.31
95.04
43.25
32.59
27.57
20.07
15.83
10.51
10.11
EBITDA Margin
57.48%
45.95%
65.86%
68.42%
55.44%
60.84%
67.76%
67.80%
64.69%
61.90%
65.23%
Other Income
1.94
2.99
3.64
0.67
1.17
0.09
0.10
0.17
0.07
0.08
0.16
Interest
89.44
78.15
88.38
59.00
34.25
22.52
15.38
10.74
9.12
5.73
5.62
Depreciation
0.96
0.81
0.80
0.48
0.37
0.29
0.18
0.24
0.11
0.11
0.10
PBT
45.52
11.76
53.78
36.23
9.79
9.87
12.11
9.26
6.67
4.75
4.55
Tax
13.80
1.15
12.26
9.80
2.50
3.54
4.11
3.10
2.14
1.41
1.49
Tax Rate
30.32%
9.78%
22.80%
27.05%
25.54%
35.87%
33.94%
33.48%
32.08%
29.68%
32.75%
PAT
31.72
10.62
41.52
26.43
7.30
6.32
8.00
6.16
4.53
3.34
3.06
PAT before Minority Interest
31.72
10.62
41.52
26.43
7.30
6.32
8.00
6.16
4.53
3.34
3.06
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
13.61%
5.56%
19.63%
19.03%
9.36%
11.80%
19.66%
20.81%
18.51%
19.67%
19.74%
PAT Growth
198.68%
-74.42%
57.09%
262.05%
15.51%
-21.00%
29.87%
35.98%
35.63%
9.15%
 
EPS
37.32
12.49
48.85
31.09
8.59
7.44
9.41
7.25
5.33
3.93
3.60

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Shareholder's Funds
186.76
172.23
123.21
56.90
56.00
50.46
39.25
33.71
22.75
19.68
Share Capital
8.49
8.45
6.95
6.92
11.92
11.92
6.92
6.92
5.65
4.08
Total Reserves
178.13
163.12
115.40
49.98
44.08
38.54
31.90
26.79
16.95
7.87
Non-Current Liabilities
650.02
670.34
610.11
221.71
47.99
45.70
22.28
10.31
6.06
4.40
Secured Loans
647.49
659.33
590.47
207.10
48.17
45.77
22.35
10.28
6.01
4.24
Unsecured Loans
15.00
15.00
21.56
15.00
0.00
0.00
0.00
0.00
0.00
0.00
Long Term Provisions
0.90
0.80
0.00
0.66
0.26
0.29
0.15
0.10
0.11
0.07
Current Liabilities
122.93
74.93
33.61
199.77
127.48
111.93
84.25
73.38
57.25
43.09
Trade Payables
0.76
0.78
0.97
0.27
0.00
0.96
0.73
0.00
0.00
0.00
Other Current Liabilities
25.37
24.59
13.23
130.61
65.50
60.91
30.53
15.55
21.40
18.81
Short Term Borrowings
58.93
23.44
0.00
49.76
42.38
33.39
41.62
50.39
31.17
21.39
Short Term Provisions
37.86
26.12
19.42
19.13
19.60
16.68
11.38
7.45
4.69
2.89
Total Liabilities
959.71
917.50
766.93
478.38
231.47
208.09
145.78
117.40
86.06
67.17
Net Block
4.08
4.45
3.51
2.82
2.53
1.94
1.61
1.82
1.04
1.08
Gross Block
7.59
7.15
5.42
4.29
3.63
2.95
2.50
2.57
1.68
1.61
Accumulated Depreciation
3.52
2.71
1.91
1.47
1.11
1.00
0.89
0.75
0.64
0.53
Non Current Assets
7.25
7.70
6.83
93.25
37.96
36.35
18.08
15.42
16.62
13.46
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
3.18
3.26
3.32
2.70
2.40
1.40
0.00
0.00
0.00
0.00
Long Term Loans & Adv.
0.00
0.00
0.00
77.23
26.86
26.26
14.10
10.87
14.60
10.14
Other Non Current Assets
0.00
0.00
0.00
10.50
6.17
6.75
2.36
2.72
0.98
2.25
Current Assets
952.45
909.80
760.11
385.13
193.51
171.74
127.69
101.99
69.44
53.72
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
7.42
5.54
1.97
1.23
0.81
0.57
0.56
Cash & Bank
168.37
96.84
68.54
18.85
21.38
10.70
16.76
15.09
7.50
8.76
Other Current Assets
784.08
1.68
1.17
0.30
166.58
159.07
109.70
86.08
61.37
44.40
Short Term Loans & Adv.
772.74
811.28
690.40
358.55
166.58
159.07
109.70
86.08
61.37
43.90
Net Current Assets
829.52
834.86
726.50
185.36
66.02
59.81
43.45
28.61
12.18
10.62
Total Assets
959.70
917.50
766.94
478.38
231.47
208.09
145.77
117.41
86.06
67.18

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Cash From Operating Activity
5.91
-75.75
-220.76
-202.57
21.42
-1.03
6.87
-6.23
-24.43
3.70
PBT
11.76
53.78
36.23
9.79
9.87
12.11
9.26
6.67
4.75
4.55
Adjustment
-70.86
-103.02
-76.05
39.87
25.77
15.37
11.67
9.09
0.22
0.12
Changes in Working Capital
-34.54
-122.84
-249.89
-248.26
-10.79
-24.14
-11.08
-19.79
-27.76
0.32
Cash after chg. in Working capital
-93.63
-172.08
-289.71
-198.59
24.85
3.34
9.85
-4.03
-22.78
4.98
Interest Paid
-75.72
-86.12
-57.69
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-6.37
-17.75
-8.16
-3.98
-3.43
-4.37
-2.98
-2.20
-1.65
-1.29
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
181.63
200.21
134.80
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
1.52
1.90
-0.63
-12.24
-1.68
-6.91
-0.75
-2.45
0.07
-0.22
Net Fixed Assets
-0.04
-0.15
0.59
-0.05
0.24
-0.19
0.14
-0.86
-0.07
Net Investments
0.65
-11.28
-28.67
-7.00
-5.00
-0.42
0.00
-5.00
-3.00
Others
0.91
13.33
27.45
-5.19
3.08
-6.30
-0.89
3.41
3.14
Cash from Financing Activity
22.20
93.82
251.73
205.40
-9.45
1.26
-5.48
16.46
21.98
3.94
Net Cash Inflow / Outflow
29.63
19.97
30.34
-9.41
10.29
-6.67
0.64
7.78
-2.39
7.42
Opening Cash & Equivalents
58.29
38.32
7.98
17.39
7.30
13.97
13.33
5.55
7.93
0.51
Closing Cash & Equivalent
87.92
58.29
38.32
7.98
17.59
7.30
13.97
13.33
5.55
7.93

Financial Ratios

Consolidated /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Book Value (Rs.)
219.85
203.02
175.99
82.17
73.65
65.65
56.07
48.68
40.00
29.31
ROA
1.13%
4.93%
4.24%
2.06%
2.88%
4.52%
4.68%
4.45%
4.36%
4.56%
ROE
5.93%
28.25%
29.49%
13.52%
13.11%
18.98%
16.98%
16.09%
19.36%
25.62%
ROCE
10.11%
17.71%
16.04%
13.34%
16.34%
17.16%
16.63%
16.71%
15.38%
18.21%
Fixed Asset Turnover
25.89
33.65
28.63
19.70
16.28
14.93
11.66
11.51
10.32
9.64
Receivable days
0.00
0.00
0.00
30.34
25.60
14.37
12.60
10.32
12.11
13.09
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
7.71
12.26
5.21
0.00
41.50
21.40
0.00
0.00
0.00
Cash Conversion Cycle
0.00
-7.71
-12.26
25.13
25.60
-27.13
-8.80
10.32
12.11
13.09
Total Debt/Equity
3.87
4.07
5.00
6.95
2.71
2.73
2.39
2.22
2.55
3.03
Interest Cover
1.15
1.61
1.61
1.29
1.44
1.79
1.86
1.73
1.83
1.81

News Update:


  • Arman Financial Services’ consolidated disbursements stand at Rs 339 crore in Q4FY22
    13th Apr 2022, 17:22 PM

    Consolidated Collection Efficiency for March 22 stood at 97.8%, steadily moving towards Pre -COVID levels

    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.