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Arman Financial Services Ltd

Arman Financial Services Ltd

ARMANFIN Share Price

NSE
1,967.500.76% (+14.80)
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Returns
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1M
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Max
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With a market cap of ₹2,063 cr, stock is ranked 1,243

Stock is 3.08x as volatile as Nifty

ARMANFIN Stock Scorecard

Performance

Avg

Price return has been average, nothing exciting

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 ₹2,063 cr, stock is ranked 1,243

Stock is 3.08x as volatile as Nifty

ARMANFIN Performance & Key Metrics

ARMANFIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
17.732.21
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
15.992.051.20%

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

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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
33.20
33.20
1Y Return
0.84%
0.84%
Buy Reco %
81.25
81.25
PE Ratio
23.36
23.36
1Y Return
59.73%
59.73%
Buy Reco %
87.50
87.50
PE Ratio
97.00
97.00
1Y Return
27.31%
27.31%
Buy Reco %
100.00
100.00
PE Ratio
28.81
28.81
1Y Return
11.89%
11.89%
Buy Reco %
84.38
84.38
PE Ratio
29.90
29.90
1Y Return
4.01%
4.01%
Buy Reco %
84.62
84.62
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 Ltd36.452.21
Bajaj Finance Ltd33.205.400.59%
Shriram Finance Limited23.363.550.87%
Jio Financial Services Limited97.001.130.25%

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 Holding22.00%0.89%3.96%3.08%70.07%

Sep 2025

Dec 2025

Mar 2026

Jun 2026

ARMANFIN Shareholding History

ARMANFIN Shareholding History

MarJunSepDec '25MarJun1.20%1.42%1.81%1.68%2.61%3.08%

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)
0.0000%0.06%0.00%0/220 (0)
0.0000%0.55%0.20%0/112 (0)
0.0000%0.08%0.00%0/178 (0)

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

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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 Limited granted 31,571 equity shares to employees via stock options

Arman Financial Services Limited announced that its Board of Directors and Nomination & Remuneration Committee, via circular resolutions dated September 15, 2026, have collectively allotted 31,571 equity shares of face value Rs 10 each to eligible employees and employees of its subsidiary, following the exercise of stock options under the “Arman-Employee Stock Option Plan 2016” and the “Arman-Employee Stock Option Plan 2023.” The company's equity share capital now stands at 1,05,46,332 equity shares with a total value of Rs 10,54,63,320.

2 days agoCapital Market - Live
Corporate
Corporate
Arman Financial Services paid Rs 2,14,56,000 in interest to debenture holders on September 3, 2026

Arman Financial Services Limited, on September 3, 2026, submitted details to the BSE Limited regarding interest payments made to debenture holders, including an interest amount of Rs 2,14,56,000 for ISIN INE109C07121, with an issue size of Rs 75,00,00,000, and a due date of September 5, 2026, with the actual payment made on September 3, 2026.

2 weeks agoCapital Market - Live
Corporate
Corporate
Arman Financial Services paid interest and partially redeemed debentures with ISIN INE109C07105

Arman Financial Services Limited reported making interest payments of Rs 26,38,600 on September 3, 2026, for its debentures with ISIN INE109C07105, according to a filing with the BSE Limited. The company also completed a partial redemption of Rs 3,33,32,000 of the same debentures, reducing the outstanding amount to Rs 23,33,40,000.

2 weeks agoCapital Market - Live
Corporate
Corporate
Arman Financial Services Limited mourns the death of Founder Jayendra B. Patel

Arman Financial Services Limited announced the death of its Founder and Whole-time Director, Jayendra B. Patel, on August 25, 2026, causing him to cease being a director with effect from the same date. Patel, who founded the company in 1992, was instrumental in building Arman into a diversified financial services institution, emphasizing disciplined credit, prudent expansion, and integrity in conduct. According to a note of remembrance by Aalok Patel, Vice Chairman and Managing Director, Patel’s legacy extends beyond the institution he built, embodying values of responsibility, discipline, and respect.

3 weeks agoCapital Market - Live
Earnings
Earnings
Arman Financial Services Ltd consolidated sales up 14.92% on year in Q2FY2026, net profit registered a growth of 10.14%

Arman Financial Services Ltd share price slipped 2.29% to Rs 1968.6. The Company's net profit rose by 10.14% to Rs 45.17 crore, while revenue from operations increased 14.92% to Rs 201.78 crore in Q2FY26 over Q1FY26. The market capitalization of Non Banking Financial Company (NBFC) industry group stocks on BSE stood at Rs 17.12 lakh crore, easing 7.10%. It has slipped by 0.26% over last one week and rose by 14.71% in last one month while the market capitalization of Arman Financial Services Ltd has softened by 3.05% and 9.73% in the same period respectively. Profit before tax (PBT) of Arman Financial Services Ltd stood at Rs 57.17 crore in Q2 FY26, nosediving by 611.82% year-on-year, and expanding by 35.83% quarter-on-quarter. EBITDA came in at Rs 58 crore, tumbling by 636.44% YoY and surging by 35.56% sequentially. Total expenses saw a slight increase of 8.35% to Rs 144.65 crore in Q2FY26 over Q2FY25. During the quarter, employee benefits expense was at Rs 42.6 crore, ticking higher by 2.72% YoY. For the TTM ended FY26, revenue from operations rose 10.37% to Rs 730.04 crore, while net profit tumbled by 70% to Rs 52.07 crore, compared to previous TTM. EBITDA soared by 22874% to Rs 70.88 crore, and PBT plunged by 69.71% to Rs 69.09 crore compared to previous TTM. Arman Financial Services Ltd jumped 43.37% in last one year, significantly outperforming the benchmark BSE Sensex which has slipped by 3.21% during the same period.

1 month agoCapital Market - Live
Corporate
Corporate
Arman Financial Services reported no Non-Convertible Securities issued in the June quarter

Arman Financial Services Limited informed the BSE Limited on August 12, 2026, that no Non-Convertible Securities were issued during the quarter ended June 30, 2026, resulting in no issue proceeds available for utilization.

1 month agoCapital Market - Live
Corporate
Corporate
Arman Financial Services to review quarterly results at a board meeting August 12, 2026

Arman Financial Services Limited will hold a board meeting on Wednesday, August 12, 2026, to consider and approve the unaudited financial results (standalone and consolidated) for the quarter ended June 30, 2026. The trading window for the company's securities will remain closed for designated persons and their immediate relatives from July 1, 2026, until 48 hours after the financial results are declared.

1 month agoCapital Market - Live
Corporate
Corporate
Arman Financial Services paid Rs 26.39 crore in interest to debenture holders on August 5

Arman Financial Services Limited, on August 5, 2026, submitted details to the BSE Limited regarding interest payments made to debenture holders, including an interest amount of Rs 26,38,600 for ISIN INE109C07105, with an issue size of Rs 40,00,00,000, and a payment date of August 5, 2026.

1 month agoCapital Market - Live
Corporate
Corporate
Arman Financial Services reports Rs 353.71 crore interest payments to debenture holders

Arman Financial Services Limited, on July 29, 2026, submitted details to the BSE Limited regarding interest payments made to debenture holders, including an interest amount of Rs 3,53,71,250 for ISIN INE109C07139, with an issue size of Rs 125,00,00,000, and a record date of July 14, 2026.

1 month agoCapital Market - Live
Earnings
Earnings
Arman Financial Services consolidated net profit rises 221.39% in the March 2026 quarter

Net profit of Arman Financial Services rose 221.39% to Rs 41.01 crore in the quarter ended March 2026 as against Rs 12.76 crore during the previous quarter ended March 2025. Sales declined 11.92% to Rs 175.58 crore in the quarter ended March 2026 as against Rs 199.35 crore during the previous quarter ended March 2025. For the full year,net profit rose 8.72% to Rs 56.61 crore in the year ended March 2026 as against Rs 52.07 crore during the previous year ended March 2025. Sales declined 11.53% to Rs 645.87 crore in the year ended March 2026 as against Rs 730.04 crore during the previous year ended March 2025. ParticularsQuarter EndedYear EndedMar. 2026Mar. 2025% Var.Mar. 2026Mar. 2025% Var. Sales175.58199.35 -12 645.87730.04 -12 OPM %54.2432.55 -44.0442.50 - PBDT42.4513.14 223 79.0570.88 12 PBT42.0912.66 232 77.3669.09 12 NP41.0112.76 221 56.6152.07 9 Powered by Capital Market - Live

3 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. The share price of ARMANFIN as on 18th September 2026 is ₹1967.50. 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: -3.94%
    • Past 1 month: -0.86%
    • Past 3 months: 17.88%
    • Past 6 months: 37.70%
    • Past 1 year: 34.96%
    • Past 3 years: -14.58%
    • Past 5 years: 126.51%

  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 ₹2063.28 Cr as of 18th September 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 36.45. The P/B (price-to-book) ratio is 2.21.

  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.