Arman Financial Services Ltd.

₹1,597.1

-10.7 (-0.7%)

ARMANFIN Share Price

Finance

As on January 28, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryNon Banking Financial Company (NBFC)

Market Cap₹ 1,688 Cr

P/E Ratio38.81

Dividend YieldN/A

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	1,604.74	Bearish
10-DMA	1,550.5	Bullish
20-DMA	1,557.49	Bullish
50-DMA	1,558.76	Bullish
100-DMA	1,557.71	Bullish
200-DMA	1,570.55	Bullish

Historical Performance

1 Year

22.7%

3 Years

6.6%

5 Years

135.6%

10 Years

N/A

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Other Income	---	1	---	4	13
Operating Profit	3,108	4,953	2,984	1,363	925
Interest	2,399	2,658	1,723	899	799
Depreciation	18	14	12	10	8
Profit Before Tax	691	2,281	1,250	455	118
Consolidated Net Profit	521	1,736	938	317	106
Adjusted EPS	50	166	110	37	13

Compounded Sales Growth

10 Years:64.2

5 Years:22.1

3 Years:23.5

TTM:6.4

Compounded Profit Growth

10 Years:73.1

5 Years:18.8

3 Years:21.6

TTM:2.6

Stock Price CAGR

10 Years:N/A

5 Years:17.9

3 Years:2.2

TTM:15.4

Return on Equity

10 Years:3.6

5 Years:9.4

3 Years:33.4

last year:41.2

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	105	105	85	85	85
Total Reserves	8,525	7,956	3,570	2,041	1,781
Minority Interest	---	---	---	---	---
Total Non-Current Liabilities	3,521	6,070	14,153	9,588	6,500
Total Liabilities	22,330	26,680	20,672	12,529	9,600
Capital Work in Progress	2	---	---	---	---
Total Assets	22,330	26,680	20,672	12,529	9,600

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a high PE of 38.81, indicating expensive valuation or elevated growth expectations.
Over the last three years, the stock delivered a weak 3-year price CAGR of 1.9%, indicating poor shareholder returns.
The stock carries a beta of 1.0, indicating volatility broadly in line with the market.
In the last financial year, the company reported an EBITDA of ₹1024 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹1819 million, suggesting a mid-sized operation.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1154057.4

No. of Shares: 723 (Approx)

Performance:15.4%

P/L: ₹154057.4

NIFTY Performance: 9.4%

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