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	10.51
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	56.61
Full Year CPS Full Year Cash Per Share	55.4
Earning Per Share Full Year Earning Per Share	53.8
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	175.58
Previous EPS Previous earnings per share	0
Book Value Book value	887.6
Networth Full Year Return on Networth	6.17
Price/Book Value Price to Book value	2.159757
Yearly PE ratio Full Year Price to Earning per share	35.6
Yearly PC ratio Full Year Price to Cash Per Share	34.6
Bse value BSE Value in lakhs	71.91
Nse value NSE Value in lakhs	844.14
High 52 week high	2065
Low 52 week low	1256
Price NSE Current market price	1917
CPM Current market price	1917

Market cap BSE / NSE Market Cap	2015.15
Net profit Latest Quarter Net Profit	41.01
Net profit variance Latest Quarter Net Profit variance	221
Result year Trailing latest month	Mar 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	79.05
TTM GPM Trailing Twelve 12 month Gross Profit Margin	12.24
TTM NP Trailing Twelve 12 month Net Profit	139.39
TTM NPV Trailing Twelve 12 month Net Profit Variane	8.7
TTM EPS Trailing Twelve 12 month EPS	53.83
TTM PE Trailing Twelve 12 month PE	35.6
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	10.51
LTP Latest Price (BSE/NSE)	1917
Gross block Latest Gross Block	38
Loans Total loans	-0.29
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	44
Year GPM Full Year Gross Profit Margin	12.2
Quarter OPM Latest quater Operation Profit Margin	54.2

Quarterly Results (consolidated, figures in Rs Cr.)

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	184	181	165	199	151	159	160	176
YOY Sales Growth %	23%	13%	-2%	9%	-18%	-12%	-3%	-12%
Gross Sales	184	181	165	199	151	159	160	176
+ Expenses	78	93	114	134	110	91	80	80
Manufacturing Cost %	5%	6%	6%	7%	6%	10%	10%	12%
Employee Cost %	13%	15%	17%	16%	22%	23%	24%	24%
Other Cost %	24%	30%	46%	45%	44%	24%	16%	10%
Other Manufacturing Expenses %	5%	6%	6%	7%	6%	10%	10%	12%
Provisions & Contingencies %	24%	30%	46%	45%	44%	24%	16%	10%
Operating Profit	107	88	51	65	41	68	80	95
OPM %	58%	48%	31%	33%	27%	43%	50%	54%
Other Income	0	0	0	0	0	0	0	0
Interest	65	65	57	52	52	50	51	53
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	41	22	-7	13	-11	18	29	42
+ Tax %	24%	32%	-5%	-1%	-31%	55%	22%	3%
Current Tax	13	10	7	-5	5	3	3	4
Deferred Tax	-3	-3	-7	5	-1	6	3	-3
+ Net Profit	31	15	-7	13	-15	8	22	41
Net Profit After Minority Interest	31	15	-7	13	-15	8	22	41
EPS in Rs	29.88	14.56	-6.94	12.17	-13.90	7.62	21.13	39.06

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

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	41	54	78	139	214	195	235	424	661	730
Sales Growth %		32%	46%	79%	54%	-9%	21%	80%	56%	10%
Gross Sales	42	54	80	139	212	192	234	424	661	730
+ Expenses	12	21	32	46	73	105	99	126	167	420
Manufacturing Cost %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Employee Cost %	15%	19%	21%	18%	17%	18%	18%	13%	11%	15%
Other Cost %	14%	20%	19%	14%	17%	35%	24%	17%	14%	42%
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 %	10%	11%	10%	8%	7%	6%	8%	6%	4%	5%
Miscellaneous Expenses %	4%	7%	11%	5%	10%	28%	16%	11%	10%	37%
Provisions & Contingencies %	0%	0%	0%	4%	9%	28%	16%	11%	10%	36%
Operating Profit	29	33	46	94	141	91	136	298	495	310
OPM %	70%	61%	60%	67%	66%	46%	58%	70%	75%	42%
+ Other Income	0	0	0	0	1	0	0	0	0	0
Miscellaneous Income	0	0	0	1	3	2	1	0	0	0
Interest	16	24	34	59	88	79	89	172	266	240
Depreciation	0	0	0	0	1	1	1	1	1	2
Profit before tax	12	10	10	36	54	12	46	125	228	69
+ Tax %	34%	36%	26%	27%	23%	10%	30%	25%	24%	25%
Current Tax	4	4	3	10	14	11	15	28	60	24
Deferred Tax	0	0	-1	0	-2	-10	-1	3	-6	-7
+ Net Profit	8	6	7	26	42	11	32	94	174	52
Profit Growth %		-21%	16%	262%	57%	-74%	199%	196%	85%	-70%
Net Profit After Minority Interest	8	6	7	26	42	11	32	94	174	52
EPS in Rs	10.98	8.00	10.27	38.02	49.13	12.51	37.36	110.47	165.67	49.64

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	12	12	7	7	8	8	8	11	10	10
Reserves	39	44	50	116	164	178	204	293	802	864
+ Borrowings	138	152	395	612	698	721	990	1,604	1,725	1,232
Secured Borrowings	138	151	375	594	689	711	972	1,554	1,718	1,233
Unsecured Borrowings	0	1	20	19	9	10	18	50	7	0
+ Other Liabilities	-18	-13	12	-653	-753	-710	-1,019	-1,407	-1,935	-1,563
Current Liabilities	7	7	12	20	28	35	43	77	109	131
Provisions	3	3	4	3	1	6	4	7	10	5
Equity Application Money	0	0	0	0	0	0	0	61	0	0
Other liability items	0	0	1	0	0	0	0	0	0	0
Total Liabilities	170	195	465	82	117	198	184	501	602	544
+ Fixed Assets	2	3	3	4	4	4	5	6	8	31
Gross Block	3	4	4	5	7	8	9	12	13	38
Accumulated Depreciation	1	1	1	2	3	4	4	6	5	7
CWIP	0	0	0	0	0	0	0	0	0	0
Investments	1	2	3	3	3	3	6	19	7	39
+ Other Assets	167	190	459	76	110	190	173	476	587	473
Trade receivables	2	6	7	0	0	0	0	0	0	0
Cash Equivalents	11	21	19	69	97	168	142	430	525	403
Loans n Advances	146	151	345	9	15	25	35	54	74	80
Other asset items	8	12	88	-2	-2	-3	-4	-9	-12	-10
Total Assets	170	195	465	82	117	198	184	501	602	544

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Cash from Operating Activity	-1	21	-203	-221	-76	6	-281	-718	-302	493
Profit from Operations	27	36	50	-40	-49	-59	-79	-108	-111	-323
Working Capital Changes	-24	-11	-248	-250	-123	-35	-324	-785	-463	474
Profit Before Tax & Extraordinary Items	12	10	10	36	54	12	46	125	228	69
Depreciation	0	0	0	0	1	1	1	1	1	2
Interest (Net)	14	22	32	-77	-113	-108	-131	-215	-328	-380
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	0	-3	-2	-1	-2	-8	-8
Provisions & Write-offs (Net)	1	3	8	0	11	38	13	1	25	27
Receivables	-1	-7	-7	0	0	0	0	0	0	0
Trade Payables	0	0	0	1	0	0	0	0	0	-1
Loans & Advances	-56	-5	-244	-248	-119	2	-336	-487	-504	324
Change in Borrowing	0	0	0	0	0	0	0	3	-1	-5
Interest Paid (Net)	0	0	0	77	114	106	140	202	329	372
Direct Taxes Paid	-4	-3	-4	-8	-18	-6	-18	-27	-58	-30
+ Cash from Investing Activity	-7	-2	-12	-1	2	2	-2	-13	18	-49
Purchase of Fixed Assets	-1	-1	-1	-2	-1	0	-1	-2	-2	-25
Sale of Fixed Assets	0	0	0	1	0	0	0	0	0	0
Purchase of Investments	-2	-1	0	-171	-553	-330	-508	-488	-925	-975
Sale of Investments	0	0	0	171	556	332	507	477	946	951
Others	-5	0	-11	0	0	0	0	0	0	0
+ Cash from Financing Activity	1	-9	205	252	94	22	270	681	376	-495
Proceeds from Issue of Shares	0	0	0	0	0	0	0	0	230	1
Proceeds from Issue of Debentures	0	33	0	0	0	0	0	77	0	0
Proceeds from Other Long-Term Borrowings	44	7	293	424	542	369	722	1,252	1,771	651
Proceeds from Short-Term Borrowings	6	9	10	0	0	37	0	160	50	0
Redemption of Debentures	0	0	0	0	0	0	0	-5	-10	0
Repayment of Long-Term Borrowings	-21	-35	-57	-171	-428	-383	-410	-841	-1,658	-977
Repayment of Short-Term Borrowings	-18	0	-3	0	-19	0	-42	0	0	-169
Repayment of Financial Liabilities	0	0	0	0	0	0	0	0	0	0
Dividend Paid	-1	-2	-1	-1	-1	0	0	0	0	0
Interest Paid	-14	-22	-32	0	0	0	0	0	0	0
Others	5	0	-5	0	0	0	0	38	-7	0
Net Cash Flow	-7	10	-9	30	20	30	-12	-49	92	-51