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Arman Financial Services Ltd

Arman Financial Services Ltd

ARMANFIN Share Price

NSE
₹1,425.900.60% (+8.50)
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With a market cap of ₹1,494 cr, stock is ranked 1,383

Stock is 3.00x as volatile as Nifty

ARMANFIN Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹1,494 cr, stock is ranked 1,383

Stock is 3.00x as volatile as Nifty

ARMANFIN Performance & Key Metrics

ARMANFIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
12.841.60—
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
15.602.021.30%

ARMANFIN Analyst Ratings & Forecast

—
Analyst Ratings data is currently unavailable for this stock

Price Upside

Earnings Growth

Rev. Growth

ARMANFIN Company Profile

Arman Financial Services Limited (AFSL) is an asset finance company (AFC), which is engaged in providing microfinance and financing the purchase of two- and three-wheelers.

Investor Presentation

View older View older 

Aug 13, 2026

PDF
View Older Presentations

ARMANFIN Similar Stocks (Peers)

Compare with peers Compare with peers 

ARMANFIN Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
30.73
30.73
1Y Return
8.35%
8.35%
Buy Reco %
87.50
87.50
PE Ratio
19.32
19.32
1Y Return
8.24%
8.24%
Buy Reco %
91.18
91.18
PE Ratio
89.79
89.79
1Y Return
30.66%
30.66%
Buy Reco %
100.00
100.00
PE Ratio
25.99
25.99
1Y Return
5.60%
5.60%
Buy Reco %
87.50
87.50
PE Ratio
27.84
27.84
1Y Return
1.06%
1.06%
Buy Reco %
92.86
92.86
Compare with Peers

ARMANFIN Sentiment Analysis

ARMANFIN Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

ARMANFIN Stock Summary · August 2026

Management framed the quarter as one of strong growth and improving operating performance, while remaining clear that expansion would stay disciplined. AUM rose 36% year on year to INR 2,925 crores and first-quarter disbursements reached INR 686 crores, even as rejection rates stayed relatively high and underwriting standards were not relaxed. Credit quality also improved, with collection efficiency at 96.6%, fresh delinquencies moderating, and GNPA and NNPA declining further. Within the book, individual lending gained importance, reaching 33% of the portfolio, as the company moved toward borrower-level cash-flow assessment, bureau data, and digital repayment tools. Profitability strengthened on operating leverage, with gross total income up 34% year on year to INR 202 crores and PAT improving to INR 45 crores, while cost-to-income fell to 44.3%. Management also highlighted Namra’s continued momentum and a comfortable capital and liquidity position, with capital adequacy of 33.6% and 38.8%. Looking ahead, it reiterated credit costs around 3% to 3.5%, targeted opex of 7% by March, and said FY27 would be approached with cautious, calibrated growth.

ARMANFIN Stock Growth Drivers
ARMANFIN Stock Growth Drivers
12
  • Improving Operating Environment and Collections Discipline

    The company entered Q1 FY27 with a noticeably better operating backdrop, as collections stayed stable,

  • Record Growth in AUM and Disbursements

    The quarter marked a clear growth milestone, with consolidated AUM reaching a record INR 2,925

ARMANFIN Stock Challenges
ARMANFIN Stock Challenges
6
  • Macroeconomic and Rural Demand Uncertainty

    Management remained cautious on the broader operating environment despite recent improvement in collections and borrower

  • Localized Asset-Quality Stress in Telangana

    The loan book is showing modest but visible stress in Telangana, while other states have

ARMANFIN Forecast

ARMANFIN Forecasts

empty forecast

Forecast data is currently unavailable

Forecast data is currently unavailable

Price

Price Upside

Revenue

Revenue Growth

Earnings

Earnings Per Share

ARMANFIN

ARMANFIN

Income

Balance Sheet

Cash Flow

ARMANFIN Income Statement

ARMANFIN Income Statement

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Quartermar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026
Total Revenue182.92184.43181.49164.77199.35151.00159.21160.07175.58201.82
Operating & Other expensessubtract117.92143.00158.74171.20186.22161.73140.82131.14133.12144.18
Depreciation/Amortizationsubtract0.380.420.440.460.480.440.450.430.370.47
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract13.809.707.050.37-0.113.419.946.321.0711.99
EPS52.2329.8814.56-6.9412.17-13.907.6221.1339.0642.96

ARMANFIN Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Aug 13PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

May 29PDF
May 28PDF
Feb 14PDF
+2 more
FY 2025FY 2025

Annual report

PDF

Investor Presentation

May 30PDF
Feb 14PDF
Nov 14PDF
Nov 14PDF
FY 2024FY 2024

Annual report

PDF
FY 2023FY 2023

Annual report

PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
FY 2017FY 2017

Annual report

PDF
 

ARMANFIN Stock Peers

ARMANFIN Past Performance & Peer Comparison

ARMANFIN Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Arman Financial Services Ltd26.411.60—
Bajaj Finance Ltd30.735.000.64%
Shriram Finance Limited19.322.941.05%
Jio Financial Services Limited89.791.050.27%
ScreenerCompare valuation on Screener

ARMANFIN Stock Price Comparison

Compare ARMANFIN with any stock or ETF
Compare ARMANFIN with any stock or ETF
ARMANFIN
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ARMANFIN Holdings

ARMANFIN Shareholdings

ARMANFIN Promoter Holdings Trend

ARMANFIN Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

ARMANFIN Institutional Holdings Trend

ARMANFIN Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

ARMANFIN Shareholding Pattern

ARMANFIN Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding21.93%1.10%4.37%2.85%69.75%

Dec 2025

Mar 2026

Jun 2026

Sep 2026

ARMANFIN Shareholding History

ARMANFIN Shareholding History

JunSepDec '25MarJunSep1.42%1.81%1.68%2.61%3.08%2.85%

Mutual Funds Invested in ARMANFIN

Mutual Funds Invested in ARMANFIN

No mutual funds holding trends are available

Top 5 Mutual Funds holding Arman Financial Services Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
0.6198%0.48%0.13%104/120 (-23)
0.4616%0.07%-0.00%88/188 (-2)
0.1450%0.05%-0.00%105/232 (+3)

Compare 3-month MF holding change on Screener

ARMANFIN Insider Trades & Bulk Stock Deals

ARMANFIN Insider Trades & Bulk Stock Deals

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smallcases containing ARMANFIN stock

smallcases containing ARMANFIN stock

Looks like this stock is not in any smallcase yet.

ARMANFIN Events

ARMANFIN Events

ARMANFIN Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

ARMANFIN has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

ARMANFIN Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

ARMANFIN has not given any dividends in last 5 years

ARMANFIN Upcoming Dividends

ARMANFIN Upcoming Dividends

No upcoming dividends are available

ARMANFIN Past Dividends

ARMANFIN Past Dividends

Cash Dividend

Ex DateEx DateSep 13, 2019

Final
Final | Div/Share: ₹1.40

Dividend/Share

₹1.40

Ex DateEx Date

Sep 13, 2019

Cash Dividend

Ex DateEx DateAug 30, 2018

Final
Final | Div/Share: ₹1.00

Dividend/Share

₹1.00

Ex DateEx Date

Aug 30, 2018

Cash Dividend

Ex DateEx DateSep 12, 2016

Final
Final | Div/Share: ₹1.40

Dividend/Share

₹1.40

Ex DateEx Date

Sep 12, 2016

Cash Dividend

Ex DateEx DateSep 18, 2015

Final
Final | Div/Share: ₹1.20

Dividend/Share

₹1.20

Ex DateEx Date

Sep 18, 2015

Cash Dividend

Ex DateEx DateSep 15, 2014

Final
Final | Div/Share: ₹1.00

Dividend/Share

₹1.00

Ex DateEx Date

Sep 15, 2014

ARMANFIN Stock News & Opinions

ARMANFIN Stock News & Opinions

Corporate
Corporate
Arman Financial Services paid Rs 357.6 million in interest to debenture holders on October 29

Arman Financial Services Limited, on October 29, 2026, submitted details to the BSE Limited regarding interest payments made to debenture holders, including an interest amount of Rs 3,57,60,000 for ISIN INE109C07139, an issue size of Rs 125,00,00,000, with a payment date of October 29, 2026, and a previous interest payment date of July 29, 2026.

4 days agoCapital Market - Live
Corporate
Corporate
Arman Financial Services to review quarterly results at a board meeting on November 4

Arman Financial Services will hold a board meeting on Wednesday, November 4, 2026, to consider and approve the unaudited financial results for both standalone and consolidated entities for the quarter and half year ended September 30, 2026, according to a regulatory filing with the BSE Limited and National Stock Exchange of India Limited.

6 days agoCapital Market - Live
Spotlight
Spotlight
Arman Financial Services’ debt ratings reaffirmed by CareEdge Ratings with outlook revised to ‘Stable’

Arman Financial Services Ltd announced that CARE Ratings Limited (CareEdge Ratings) has reaffirmed the rating of ‘CARE A -’ (read as CARE A Minus) for Non-Convertible Debentures facilities totaling Rs 42.00 crore (ISIN INE109C07113) and proposed Non-Convertible Debentures totaling Rs 28.89 crore; furthermore, CareEdge Ratings has revised the outlook from ‘Negative’ to ‘Stable’ concerning the aforementioned Non-Convertible Debentures facilities of Arman Financial Services Limited and its wholly-owned subsidiary, Namra Finance Limited, with no enhancements, assignments, or withdrawals reported by any other rating agencies.

1 week agoCapital Market - Live
Corporate
Corporate
Arman Financial Services confirms dematerialized securities status for quarter ended September 30, 2026

Arman Financial Services Limited informed the BSE Limited and National Stock Exchange of India Limited that it is enclosing a certificate dated September 30, 2026, issued by Bigshare Services Private Limited, confirming the status of dematerialized securities for the quarter ended September 30, 2026, as per Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018.

3 weeks agoCapital Market - Live
Corporate
Corporate
Arman Financial Services reports Rs 22,34,320 interest payment to debenture holders

Arman Financial Services Limited, on October 5, 2026, submitted details to the BSE Limited regarding interest payments made to debenture holders, including an interest amount of Rs 22,34,320 for ISIN INE109C07105, with an issue size of Rs 40,00,00,000, and a payment frequency of monthly.

4 weeks agoCapital Market - Live
Corporate
Corporate
Arman Financial Services reported Rs 23.33 crore debt securities ISIN details to BSE

Arman Financial Services Limited informed BSE Limited on October 1, 2026, that it has submitted a statement containing details of International Securities Identification Numbers (ISIN) for debt securities issued under the SEBI (Issue and Listing of Non-Convertible Securities) Regulations, 2021, including INE109C07105 maturing on June 5, 2028, with an interest rate that changed from 11.40% to 11.65% effective September 23, 2025, and outstanding amount of Rs 23,33,40,000.00, with IDBI Trusteeship Services Limited as the debenture trustee.

1 month agoCapital Market - Live
Corporate
Corporate
Arman Financial Services disclosed ISIN details for debt securities issued under SEBI regulations

Arman Financial Services Limited informed BSE Limited on October 1, 2026, that it has disclosed details of International Securities Identification Numbers (ISIN) for debt securities issued under the SEBI (Issue and Listing of Non-Convertible Securities) Regulations, 2021, including INE109C07105 with an issuance date of June 5, 2025, maturity date of June 5, 2028, and a coupon rate of 11.65%, which changed from 11.40% effective September 23, 2025; INE109C07113 with an issuance date of July 1, 2025, maturity date of July 1, 2030, and a coupon rate of 11.10%; INE109C07121 with an issuance date of December 4, 2025, maturity date of December 5, 2027, and a coupon rate of 11.35%; INE109C07139 with an issuance date of January 29, 2026, maturity date of July 29, 2028, and a coupon rate of 11.35%; and INE109C07147 with an issuance date of March 25, 2026, maturity date of September 25, 2028, and a coupon rate of 10.90%, with debenture trustees including IDBI Trusteeship Services Limited, Catalyst Trusteeship Limited, and Vardhman Trusteeship Private Limited.

1 month agoCapital Market - Live
Corporate
Corporate
Arman Financial Services’ ratings reaffirmed with a ‘Positive’ outlook by Acuité

Arman Financial Services Limited informed the BSE Limited and National Stock Exchange of India Limited that Acuité Ratings & Research Limited has reaffirmed the long-term rating of ‘ACUITE A -’ for the company’s and its wholly-owned subsidiary, Namra Finance Limited’s, bank and non-convertible debenture facilities, while revising the outlook from ‘Stable’ to ‘Positive’ as of September 30, 2026.

1 month agoCapital Market - Live
Corporate
Corporate
Arman Financial Services closes trading window ahead of financial results release

Arman Financial Services Limited informed the BSE Limited and National Stock Exchange of India that the trading window for dealing in the company's securities will be closed for designated persons and their relatives from Thursday, October 01, 2026, and will reopen 48 hours after the submission of unaudited financial results for the quarter and half year ended September 30, 2026, to the stock exchanges.

1 month agoCapital Market - Live
Corporate
Corporate
Arman Financial Services reported Rs 3.43 crore interest payments to debenture holders on September 25

Arman Financial Services Limited, pursuant to Regulation 57 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, has submitted details of interest payments made to debenture holders, including an interest amount of Rs 3,43,42,500 for ISIN INE109C07147, with an issue size of Rs 125,00,00,000, on September 25, 2026, which was also the due date.

1 month agoCapital Market - Live

Frequently asked questions

  1. The share price of ARMANFIN as on 2nd November 2026 is ₹1425.90. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of Arman Financial Services Ltd (ARMANFIN) share are
    • Past 1 week: 4.88%
    • Past 1 month: -19.34%
    • Past 3 months: -26.84%
    • Past 6 months: -5.59%
    • Past 1 year: -13.97%
    • Past 3 years: -37.51%
    • Past 5 years: 47.40%

  3. Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Arman Financial Services Ltd (ARMANFIN) is ₹1494.84 Cr as of 2nd November 2026.

  4. The 52-week high of Arman Financial Services Ltd (ARMANFIN) is ₹2158.60 and the 52-week low is ₹1301.

  5. The P/E (price-to-earnings) ratio of Arman Financial Services Ltd (ARMANFIN) is 26.41. The P/B (price-to-book) ratio is 1.60.

  6. Arman Financial Services Ltd (ARMANFIN) belongs to the Financials sector & Consumer Finance sub-sector.

  7. You can directly buy Arman Financial Services Ltd (ARMANFIN) shares on Tickertape. Simply sign up, connect your demat account and place your order.