Arman Financial Services Limited, Fundamental analysis

Arman Financial Services Limited - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Finance
Variance Full Year Net Profit Variance	9
Equity Latest Equity	10.55
Face Value Latest Face Value	10
Reserves Total Reserve	922.82
Dividend Full Year Dividend %	0
Sales Turnover Full Year Net Sales	645.87
Net Profit Full Year Net Profit	56.6
Full Year CPS Full Year Cash Per Share	55.3
Earning Per Share Full Year Earning Per Share	53.7
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	201.82
Previous EPS Previous earnings per share	0
Book Value Book value	885
Networth Full Year Return on Networth	6.26
Price/Book Value Price to Book value	1.729944
Yearly PE ratio Full Year Price to Earning per share	28.5
Yearly PC ratio Full Year Price to Cash Per Share	27.7
Bse value BSE Value in lakhs	41.19
Nse value NSE Value in lakhs	914
High 52 week high	2159
Low 52 week low	1302
Price NSE Current market price	1536
CPM Current market price	1531

Market cap BSE / NSE Market Cap	1614.7
Net profit Latest Quarter Net Profit	45.17
Net profit variance Latest Quarter Net Profit variance	410
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	717.61
TTM OP Trailing Twelve 12 month Operating Profit	449.51
TTM OPM Trailing Twelve 12 month Operating Profit Margin	62.64
TTM GP Trailing Twelve 12 month Gross Profit	147.42
TTM GPM Trailing Twelve 12 month Gross Profit Margin	21.16
TTM NP Trailing Twelve 12 month Net Profit	139.39
TTM NPV Trailing Twelve 12 month Net Profit Variane	1781.25
TTM EPS Trailing Twelve 12 month EPS	110.33
TTM PE Trailing Twelve 12 month PE	13.88
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	1.6
Equity Latest Equity	10.55
LTP Latest Price (BSE/NSE)	1531
Gross block Latest Gross Block	40.25
Loans Total loans	-2.22
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	44.1
Year GPM Full Year Gross Profit Margin	12.2
Quarter OPM Latest quater Operation Profit Margin	60.4

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	181	165	199	151	159	160	176	202
YOY Sales Growth %	13%	-2%	9%	-18%	-12%	-3%	-12%	34%
Gross Sales	181	165	199	151	159	160	176	202
+ Expenses	93	114	134	110	91	80	80	80
Manufacturing Cost %	6%	6%	7%	6%	10%	10%	12%	9%
Employee Cost %	15%	17%	16%	22%	23%	24%	24%	21%
Other Cost %	30%	46%	45%	44%	24%	16%	10%	10%
Other Manufacturing Expenses %	6%	6%	7%	6%	10%	10%	12%	9%
Provisions & Contingencies %	30%	46%	45%	44%	24%	16%	10%	10%
Operating Profit	88	51	65	41	68	80	95	122
OPM %	48%	31%	33%	27%	43%	50%	54%	60%
+ Other Income	0	0	0	0	0	0	0	0
Miscellaneous Income	0	0	0	0	0	0	0	0
Interest	65	57	52	52	50	51	53	64
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	22	-7	13	-11	18	29	42	57
+ Tax %	32%	-5%	-1%	-31%	55%	22%	3%	21%
Current Tax	10	7	-5	5	3	3	4	11
Deferred Tax	-3	-7	5	-1	6	3	-3	1
+ Net Profit	15	-7	13	-15	8	22	41	45
Net Profit After Minority Interest	15	-7	13	-15	8	22	41	45
EPS in Rs	14.56	-6.94	12.17	-13.90	7.62	21.13	39.06	42.96

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	54	78	139	214	195	235	424	661	730	646
Sales Growth %		46%	79%	54%	-9%	21%	80%	56%	10%	-12%
Gross Sales	54	80	139	212	192	234	424	661	730	646
+ Expenses	21	32	46	73	105	99	126	167	420	361
Manufacturing Cost %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Employee Cost %	19%	21%	18%	17%	18%	18%	13%	11%	15%	23%
Other Cost %	20%	19%	14%	17%	35%	24%	17%	14%	42%	32%
Power & Fuel %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Other Manufacturing Expenses %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Selling & Administration %	11%	10%	8%	7%	6%	8%	6%	4%	5%	9%
Miscellaneous Expenses %	7%	11%	5%	10%	28%	16%	11%	10%	37%	23%
Provisions & Contingencies %	0%	0%	4%	9%	28%	16%	11%	10%	36%	23%
Operating Profit	33	46	94	141	91	136	298	495	310	284
OPM %	61%	60%	67%	66%	46%	58%	70%	75%	42%	44%
+ Other Income	0	0	0	1	0	0	0	0	0	0
Miscellaneous Income	0	0	1	3	2	1	0	0	0	0
Interest	24	34	59	88	79	89	172	266	240	206
Depreciation	0	0	0	1	1	1	1	1	2	2
Profit before tax	10	10	36	54	12	46	125	228	69	77
+ Tax %	36%	26%	27%	23%	10%	30%	25%	24%	25%	27%
Current Tax	4	3	10	14	11	15	28	60	24	15
Deferred Tax	0	-1	0	-2	-10	-1	3	-6	-7	5
+ Net Profit	6	7	26	42	11	32	94	174	52	57
Profit Growth %		16%	262%	57%	-74%	199%	196%	85%	-70%	9%
Net Profit After Minority Interest	6	7	26	42	11	32	94	174	52	57
EPS in Rs	8.00	10.27	38.02	49.13	12.51	37.36	110.47	165.67	49.64	53.84

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	12	7	7	8	8	8	11	10	10	11
Reserves	44	50	116	164	178	204	293	802	864	923
+ Borrowings	152	395	612	698	721	990	1,604	1,725	1,232	1,776
Secured Borrowings	151	375	594	689	711	972	1,554	1,718	1,233	1,778
Unsecured Borrowings	1	20	19	9	10	18	50	7	0	-2
+ Other Liabilities	-13	12	-653	-753	-710	-1,019	-1,407	-1,935	-1,563	-2,125
Current Liabilities	7	12	20	28	35	43	77	109	131	97
Provisions	3	4	3	1	6	4	7	10	5	6
Equity Application Money	0	0	0	0	0	0	61	0	0	0
Other liability items	0	1	0	0	0	0	0	0	0	0
Total Liabilities	195	465	82	117	198	184	501	602	544	584
+ Fixed Assets	3	3	4	4	4	5	6	8	31	32
Gross Block	4	4	5	7	8	9	12	13	38	40
Accumulated Depreciation	1	1	2	3	4	4	6	5	7	9
CWIP	0	0	0	0	0	0	0	0	0	3
Investments	2	3	3	3	3	6	19	7	39	92
+ Other Assets	190	459	76	110	190	173	476	587	473	458
Trade receivables	6	7	0	0	0	0	0	0	0	0
Cash Equivalents	21	19	69	97	168	142	430	525	403	399
Loans n Advances	151	345	9	15	25	35	54	74	80	68
Other asset items	12	88	-2	-2	-3	-4	-9	-12	-10	-9
Total Assets	195	465	82	117	198	184	501	602	544	584

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	21	-203	-221	-76	6	-281	-718	-302	493	-476
Profit from Operations	36	50	-40	-49	-59	-79	-108	-111	-323	-364
Working Capital Changes	-11	-248	-250	-123	-35	-324	-785	-463	474	-468
Profit Before Tax & Extraordinary Items	10	10	36	54	12	46	125	228	69	77
Depreciation	0	0	0	1	1	1	1	1	2	2
Interest (Net)	22	32	-77	-113	-108	-131	-215	-328	-380	-372
Profit / Loss on Sale of Assets	0	0	0	0	0	0	0	0	0	0
Profit / Loss on Sale of Investments	0	0	0	-3	-2	-1	-2	-8	-8	-7
Provisions & Write-offs (Net)	3	8	0	11	38	13	1	25	27	-39
Receivables	-7	-7	0	0	0	0	0	0	0	0
Trade Payables	0	0	1	0	0	0	0	0	-1	1
Loans & Advances	-5	-244	-248	-119	2	-336	-487	-504	324	-496
Change in Borrowing	0	0	0	0	0	0	3	-1	-5	0
Interest Paid (Net)	0	0	77	114	106	140	202	329	372	379
Direct Taxes Paid	-3	-4	-8	-18	-6	-18	-27	-58	-30	-24
+ Cash from Investing Activity	-2	-12	-1	2	2	-2	-13	18	-49	-50
Purchase of Fixed Assets	-1	-1	-2	-1	0	-1	-2	-2	-25	-3
Sale of Fixed Assets	0	0	1	0	0	0	0	0	0	0
Purchase of Investments	-1	0	-171	-553	-330	-508	-488	-925	-975	-1,769
Sale of Investments	0	0	171	556	332	507	477	946	951	1,722
Others	0	-11	0	0	0	0	0	0	0	0
+ Cash from Financing Activity	-9	205	252	94	22	270	681	376	-495	546
Proceeds from Issue of Shares	0	0	0	0	0	0	0	230	1	1
Proceeds from Issue of Debentures	33	0	0	0	0	0	77	0	0	0
Proceeds from Other Long-Term Borrowings	7	293	424	542	369	722	1,252	1,771	651	1,388
Proceeds from Short-Term Borrowings	9	10	0	0	37	0	160	50	0	118
Redemption of Debentures	0	0	0	0	0	0	-5	-10	0	0
Repayment of Long-Term Borrowings	-35	-57	-171	-428	-383	-410	-841	-1,658	-977	-961
Repayment of Short-Term Borrowings	0	-3	0	-19	0	-42	0	0	-169	0
Repayment of Financial Liabilities	0	0	0	0	0	0	0	0	0	0
Dividend Paid	-2	-1	-1	-1	0	0	0	0	0	0
Interest Paid	-22	-32	0	0	0	0	0	0	0	0
Others	0	-5	0	0	0	0	38	-7	0	0
Net Cash Flow	10	-9	30	20	30	-12	-49	92	-51	20