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Arman Financial Services Ltd.

Finance - NBFC - MFI

Rating :
56/99

BSE: 531179 | NSE: ARMANFIN

NSE BSE
1694.20
19-Jun-2026
  • Open
  • High
  • Low
  • Previous Close
  •  1701.7
  •  1711.1
  •  1675.8
  •  1696.10
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  15063
  •  25488245.8
  •  1906.6
  •  1270

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,778.99
  • 31.43
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 2,301.58
  • N/A
  • 1.91

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 22.00%
  • 5.26%
  • 48.04%
  • FII
  • DII
  • Others
  • 2.61%
  • 0.59%
  • 21.50%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 33.47
  • 30.30
  • 19.87

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 27.41
  • 27.80
  • 0.82

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 20.60
  • 37.43
  • -17.82

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 17.33
  • 20.24
  • 14.99

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.16
  • 3.17
  • 2.53

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 8.88
  • 9.11
  • 7.15

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Net Sales
175.58
199.35
-11.92%
160.07
164.77
-2.85%
159.21
181.49
-12.28%
151.00
184.43
-18.13%
Expenses
80.35
134.47
-40.25%
80.34
114.22
-29.66%
91.20
93.49
-2.45%
109.51
77.63
41.07%
EBITDA
95.24
64.88
46.79%
79.73
50.55
57.73%
68.00
88.01
-22.74%
41.49
106.80
-61.15%
EBIDTM
54.24%
32.55%
49.81%
30.68%
42.72%
48.49%
27.48%
57.91%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
52.79
51.75
2.01%
50.80
56.98
-10.85%
49.61
65.26
-23.98%
52.22
65.37
-20.12%
Depreciation
0.37
0.48
-22.92%
0.43
0.45
-4.44%
0.45
0.44
2.27%
0.44
0.42
4.76%
PBT
42.09
12.66
232.46%
28.50
-6.89
-
17.94
22.31
-19.59%
-11.17
41.01
-
Tax
1.07
-0.11
-
6.32
0.37
1,608.11%
9.94
7.05
40.99%
3.42
9.71
-64.78%
PAT
41.01
12.76
221.39%
22.18
-7.26
-
8.00
15.26
-47.58%
-14.58
31.30
-
PATM
23.36%
6.40%
13.86%
-4.41%
5.02%
8.41%
-9.66%
16.97%
EPS
39.01
12.17
220.54%
21.10
-6.92
-
7.60
14.55
-47.77%
-13.90
29.87
-

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Sales
645.86
730.04
661.46
423.90
235.01
194.36
211.51
138.91
78.01
53.57
40.69
Net Sales Growth
-11.53%
10.37%
56.04%
80.38%
20.91%
-8.11%
52.26%
78.07%
45.62%
31.65%
 
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
645.86
730.04
661.46
423.90
235.01
194.36
211.51
138.91
78.01
53.57
40.69
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
361.40
419.26
166.21
125.54
99.08
103.20
72.20
43.87
34.76
20.98
13.12
Power & Fuel Cost
-
0.88
0.70
0.58
0.46
0.34
0.35
0.24
0.16
0.12
0.10
% Of Sales
-
0.12%
0.11%
0.14%
0.20%
0.17%
0.17%
0.17%
0.21%
0.22%
0.25%
Employee Cost
-
112.34
71.59
54.65
41.85
35.57
36.46
25.64
16.38
10.19
6.28
% Of Sales
-
15.39%
10.82%
12.89%
17.81%
18.30%
17.24%
18.46%
21.00%
19.02%
15.43%
Manufacturing Exp.
-
9.32
5.76
5.26
4.18
3.43
3.43
2.30
1.58
1.11
0.81
% Of Sales
-
1.28%
0.87%
1.24%
1.78%
1.76%
1.62%
1.66%
2.03%
2.07%
1.99%
General & Admin Exp.
-
30.82
22.55
19.81
15.07
9.25
11.21
9.37
7.97
6.15
4.45
% Of Sales
-
4.22%
3.41%
4.67%
6.41%
4.76%
5.30%
6.75%
10.22%
11.48%
10.94%
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.
-
266.78
66.31
45.81
37.98
54.95
21.11
6.55
8.84
3.53
0.00
% Of Sales
-
36.54%
10.02%
10.81%
16.16%
28.27%
9.98%
4.72%
11.33%
6.59%
3.88%
EBITDA
284.46
310.78
495.25
298.36
135.93
91.16
139.31
95.04
43.25
32.59
27.57
EBITDA Margin
44.04%
42.57%
74.87%
70.38%
57.84%
46.90%
65.86%
68.42%
55.44%
60.84%
67.76%
Other Income
0.00
0.00
0.07
0.00
0.40
1.34
3.64
0.67
1.17
0.09
0.10
Interest
205.42
239.90
265.81
172.26
89.85
79.93
88.38
59.00
34.25
22.52
15.38
Depreciation
1.69
1.79
1.42
1.15
0.95
0.81
0.80
0.48
0.37
0.29
0.18
PBT
77.36
69.09
228.09
124.95
45.52
11.76
53.78
36.23
9.79
9.87
12.11
Tax
20.75
17.02
54.52
31.14
13.80
1.15
12.26
9.80
2.50
3.54
4.11
Tax Rate
26.82%
24.63%
23.90%
24.92%
30.32%
9.78%
22.80%
27.05%
25.54%
35.87%
33.94%
PAT
56.61
52.07
173.57
93.81
31.72
10.62
41.52
26.43
7.30
6.32
8.00
PAT before Minority Interest
56.61
52.07
173.57
93.81
31.72
10.62
41.52
26.43
7.30
6.32
8.00
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
8.77%
7.13%
26.24%
22.13%
13.50%
5.46%
19.63%
19.03%
9.36%
11.80%
19.66%
PAT Growth
8.74%
-70.00%
85.02%
195.74%
198.68%
-74.42%
57.09%
262.05%
15.51%
-21.00%
 
EPS
53.91
49.59
165.30
89.34
30.21
10.11
39.54
25.17
6.95
6.02
7.62

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
874.41
812.69
365.69
212.69
186.76
172.23
123.21
56.90
56.00
50.46
Share Capital
10.49
10.48
8.49
8.49
8.49
8.45
6.95
6.92
11.92
11.92
Total Reserves
852.51
795.64
356.96
204.07
178.13
163.12
115.40
49.98
44.08
38.54
Non-Current Liabilities
352.12
607.02
1,415.27
958.78
650.02
670.34
570.41
221.71
47.99
45.70
Secured Loans
366.02
612.40
1,354.68
949.13
647.49
659.33
550.30
207.10
48.17
45.77
Unsecured Loans
10.00
10.00
74.06
25.00
15.00
15.00
21.56
15.00
0.00
0.00
Long Term Provisions
0.74
1.74
2.00
1.16
0.90
0.80
0.47
0.66
0.26
0.29
Current Liabilities
1,006.46
1,248.29
286.19
81.45
123.21
74.93
73.31
199.77
127.48
111.93
Trade Payables
1.24
1.99
1.52
1.55
0.76
0.78
0.97
0.27
0.18
0.96
Other Current Liabilities
112.77
83.61
59.95
33.57
25.66
24.59
13.23
130.61
65.33
60.91
Short Term Borrowings
856.30
1,102.53
175.68
15.56
58.93
23.44
40.17
49.76
42.38
33.39
Short Term Provisions
36.14
60.16
49.05
30.77
37.86
26.12
18.95
19.13
19.60
16.68
Total Liabilities
2,232.99
2,668.00
2,067.15
1,252.92
959.99
917.50
766.93
478.38
231.47
208.09
Net Block
31.05
7.66
6.10
4.87
4.08
4.45
3.51
2.82
2.53
1.94
Gross Block
38.00
12.83
11.72
9.34
7.59
7.15
5.42
4.29
3.63
2.95
Accumulated Depreciation
6.95
5.17
5.62
4.46
3.52
2.71
1.91
1.47
1.11
1.00
Non Current Assets
1,746.93
2,081.74
25.58
10.81
7.25
7.70
7.09
93.25
37.96
36.35
Capital Work in Progress
0.20
0.00
0.00
0.03
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
0.00
0.00
19.48
5.92
3.18
3.26
3.32
2.70
2.40
1.40
Long Term Loans & Adv.
0.00
0.00
0.00
0.00
0.00
0.00
0.27
77.23
26.86
26.26
Other Non Current Assets
32.03
41.17
0.00
0.00
0.00
0.00
0.00
10.50
6.17
6.75
Current Assets
486.06
586.25
2,041.57
1,242.10
952.73
909.80
759.84
385.13
193.51
171.74
Current Investments
38.97
7.12
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
0.00
7.42
5.54
1.97
Cash & Bank
374.79
484.11
430.32
142.34
168.37
96.84
68.54
18.85
21.38
10.70
Other Current Assets
72.30
40.83
27.86
4.45
784.36
812.96
691.31
358.85
166.58
159.07
Short Term Loans & Adv.
31.64
54.19
1,583.39
1,095.30
779.05
811.28
690.14
358.55
166.58
159.07
Net Current Assets
-520.39
-662.04
1,755.38
1,160.65
829.52
834.86
686.53
185.36
66.02
59.81
Total Assets
2,232.99
2,667.99
2,067.15
1,252.91
959.98
917.50
766.93
478.38
231.47
208.09

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
492.82
-302.40
-717.66
-280.70
5.91
-75.75
-220.76
-202.57
21.42
-1.03
PBT
69.09
228.09
124.95
45.52
11.76
53.78
36.23
9.79
9.87
12.11
Adjustment
-391.85
-339.42
-232.76
-124.64
-70.86
-103.02
-76.05
39.87
25.77
15.37
Changes in Working Capital
473.69
-462.55
-784.73
-323.63
-34.54
-122.84
-249.89
-248.26
-10.79
-24.14
Cash after chg. in Working capital
150.93
-573.88
-892.54
-402.75
-93.63
-172.08
-289.71
-198.59
24.85
3.34
Interest Paid
-240.32
-265.51
-175.35
-83.96
-75.72
-86.12
-57.69
0.00
0.00
0.00
Tax Paid
-29.63
-57.50
-26.63
-17.55
-6.37
-17.75
-8.16
-3.98
-3.43
-4.37
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
611.83
594.49
376.85
223.56
181.63
200.21
134.80
0.00
0.00
0.00
Cash From Investing Activity
-48.80
18.38
-12.62
-1.97
1.52
1.90
-0.63
-12.24
-1.68
-6.91
Net Fixed Assets
-24.17
-0.42
-0.12
-0.18
-0.04
-0.15
0.59
-0.05
0.24
-0.19
Net Investments
-70.13
-84.69
-103.40
-27.85
-2.82
-11.28
-28.67
-7.00
-5.00
-0.42
Others
45.50
103.49
90.90
26.06
4.38
13.33
27.45
-5.19
3.08
-6.30
Cash from Financing Activity
-494.85
376.39
680.97
270.28
22.20
93.82
251.73
205.40
-9.45
1.26
Net Cash Inflow / Outflow
-50.84
92.37
-49.31
-12.39
29.63
19.97
30.34
-9.41
10.29
-6.67
Opening Cash & Equivalents
118.59
26.22
75.53
87.92
58.29
38.32
7.98
17.39
7.30
13.97
Closing Cash & Equivalent
67.75
118.59
26.22
75.53
87.92
58.29
38.32
7.98
17.59
7.30

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value (Rs.)
822.65
769.43
430.33
250.32
219.85
203.02
175.99
82.17
73.65
65.65
ROA
2.13%
7.33%
5.65%
2.87%
1.13%
4.93%
4.24%
2.06%
2.88%
4.52%
ROE
6.24%
29.63%
32.46%
15.89%
5.93%
28.25%
29.49%
13.52%
13.11%
18.98%
ROCE
13.31%
21.91%
18.74%
12.83%
10.31%
17.71%
16.04%
13.34%
16.34%
17.16%
Fixed Asset Turnover
28.73
53.88
40.26
27.76
26.36
33.65
28.63
19.70
16.28
14.93
Receivable days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
30.34
25.60
14.37
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
0.00
7.71
12.26
5.21
0.00
41.50
Cash Conversion Cycle
0.00
0.00
0.00
0.00
0.00
-7.71
-12.26
25.13
25.60
-27.13
Total Debt/Equity
1.43
2.14
4.39
4.66
3.87
4.07
5.00
6.95
2.71
2.73
Interest Cover
1.29
1.86
1.73
1.51
1.15
1.61
1.61
1.29
1.44
1.79

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • Arman Financial Services raises Rs 125 crore via NCDs
    25th Mar 2026, 14:22 PM

    The Finance & Investment Committee, at its meeting held on March 25, 2026, has allotted 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.