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Arman Financial Services Ltd

ARMANFIN Share Price

1,710.801.39% (-24.20)
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With a market cap of ₹1,820 cr, stock is ranked 1,191

Stock is 3.38x 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

Avg

Financials growth has been moderate for a few years

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 ₹1,820 cr, stock is ranked 1,191

Stock is 3.38x as volatile as Nifty

ARMANFIN Performance & Key Metrics

ARMANFIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
34.962.24
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.292.531.01%

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 

May 30, 2025

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
34.63
34.63
1Y Return
30.69%
30.69%
Buy Reco %
62.50
62.50
PE Ratio
129.56
129.56
1Y Return
5.58%
5.58%
Buy Reco %
0.00
0.00
PE Ratio
30.03
30.03
1Y Return
7.76%
7.76%
Buy Reco %
61.76
61.76
PE Ratio
13.17
13.17
1Y Return
19.11%
19.11%
Buy Reco %
87.50
87.50
PE Ratio
19.95
19.95
1Y Return
48.50%
48.50%
Buy Reco %
64.71
64.71
Compare with Peers

ARMANFIN Sentiment Analysis

ARMANFIN Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

ARMANFIN Stock Summary · June 2025

In Q4 FY 2024-25, the microfinance sector faced significant challenges, with Namra Finance's net profit plummeting from Rs. 138.3 crores to Rs. 7.8 crores due to increased provisioning linked to rural stress, while Arman Financial Services demonstrated resilience with a 25% AUM growth. Despite a cautious outlook, the industry is shifting towards individualized lending models, driven by digital advancements and a need for tailored assessments, which may increase operational costs but enhance credit quality. The company is prioritizing asset recovery and maintaining a healthy debt-equity ratio, while also adapting its credit evaluation processes to improve risk management. Overall, while the market sentiment remains cautious, there are signs of potential stabilization as operational efficiencies improve.

ARMANFIN Stock Growth Drivers
ARMANFIN Stock Growth Drivers
9
  • Implementation of New Credit Structure

    The company has successfully implemented a new credit structure in approximately 140 out of 391

  • Strong Financial Performance

    As of March 31, 2025, the company reported a standalone AUM of Rs. 560 crores,

ARMANFIN Stock Challenges
ARMANFIN Stock Challenges
6
  • Decline in Financial Performance

    The company's wholly owned microfinance subsidiary reported a significant decline in net profit, with figures

  • Increased Provisioning and Asset Quality Concerns

    The decline in financial performance was attributed to higher provisioning due to ongoing stress in

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

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 27.68%, vs industry avg of 16.14%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 0.14% to 0.24%

Lower than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 4.64%, vs industry avg of 20.04%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue53.5978.02139.59215.15195.04235.01423.90661.53730.04730.04
Raw Materialssubtract659.16659.16
Power & Fuel Costsubtract
Employee Costsubtract10.1916.3825.6436.4635.5741.8554.6571.59
Selling & Administrative Expensessubtract6.168.4011.6814.6312.6919.2425.0728.31
Operating & Other expensessubtract27.0943.0865.55109.49134.22127.43218.07332.12
Depreciation/Amortizationsubtract0.290.370.480.800.810.951.151.421.791.80
Interest & Other Itemssubtract
Taxes & Other Itemssubtract3.542.509.7912.261.1513.7931.1454.5217.0217.01
EPS9.1310.5338.1253.9012.5237.40110.48183.0049.6749.70
DPS1.001.001.400.000.000.000.000.000.000.00
Payout ratio0.110.090.040.000.000.000.000.000.000.00

ARMANFIN Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2025FY 2025

Annual Report Pending

Investor Presentation

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

Annual report

PDF

Investor Presentation

Aug 15PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

Jun 1PDF
Feb 15PDF
Nov 16PDF
Aug 22PDF
FY 2022FY 2022

Annual report

PDF

Investor Presentation

Jun 2PDF
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
FY 2016FY 2016

Annual report

PDF
FY 2015FY 2015

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 Ltd34.962.24
Bajaj Finance Ltd34.635.820.60%
Jio Financial Services Ltd129.561.500.15%
Cholamandalam Investment and Finance Company Ltd30.036.530.13%

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 Holding22.06%1.98%2.93%1.20%71.82%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

ARMANFIN Shareholding History

ARMANFIN Shareholding History

Dec '23MarJunSepDec '24Mar7.29%10.20%5.18%4.90%1.97%1.20%

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)
0.9452%1.27%0.28%20/36 (-1)
0.6185%0.23%0.04%89/97 (-7)
0.3479%0.13%-0.00%71/155 (+4)

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
Arman Financial Services gets credit facilities rated

CARE ratings has reaffirmed the Credit Rating of Arman Financial Services & material subsidiary i.e. Namra Finance Limited for various Non Convertible Debentures (NCDs) to CARE A-.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Earnings
Arman Financial Services consolidated net profit declines 74.89% in the March 2025 quarter

Net profit of Arman Financial Services declined 74.89% to Rs 12.76 crore in the quarter ended March 2025 as against Rs 50.82 crore during the previous quarter ended March 2024. Sales rose 9.02% to Rs 199.35 crore in the quarter ended March 2025 as against Rs 182.85 crore during the previous quarter ended March 2024. For the full year,net profit declined 70.00% to Rs 52.07 crore in the year ended March 2025 as against Rs 173.57 crore during the previous year ended March 2024. Sales rose 10.37% to Rs 730.04 crore in the year ended March 2025 as against Rs 661.46 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Sales199.35182.85 9 730.04661.46 10 OPM %32.5569.94 -42.5074.82 - PBDT13.1465.00 -80 70.88229.51 -69 PBT12.6664.62 -80 69.09228.09 -70 NP12.7650.82 -75 52.07173.57 -70 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Arman Financial Services to announce Quarterly Result

Arman Financial Services will hold a meeting of the Board of Directors of the Company on 29 May 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Arman Financial Services allots 1,150 equity shares under ESOP

Arman Financial Services has allotted 1,150 equity shares under ESOP. Consequent to the above allotment, the equity share capital of the Company stands increased to 1,04,91,688 equity shares of Rs. 10/- each aggregating to Rs. 10,49,16,880/-.Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Arman Financial Services reports consolidated net loss of Rs 7.26 crore in the December 2024 quarter

Net loss of Arman Financial Services reported to Rs 7.26 crore in the quarter ended December 2024 as against net profit of Rs 42.00 crore during the previous quarter ended December 2023. Sales declined 2.36% to Rs 164.77 crore in the quarter ended December 2024 as against Rs 168.76 crore during the previous quarter ended December 2023. ParticularsQuarter EndedDec. 2024Dec. 2023% Var. Sales164.77168.76 -2 OPM %30.6875.11 - PBDT-6.4355.54 PL PBT-6.8955.18 PL NP-7.2642.00 PL Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Arman Financial Services to discuss results

Arman Financial Services will hold a meeting of the Board of Directors of the Company on 14 February 2025.Powered by Capital Market - Live

4 months agoCapital Market - Live
Earnings
Arman Financial Services consolidated net profit declines 62.59% in the September 2024 quarter

Net profit of Arman Financial Services declined 62.59% to Rs 15.27 crore in the quarter ended September 2024 as against Rs 40.82 crore during the previous quarter ended September 2023. Sales rose 13.20% to Rs 181.49 crore in the quarter ended September 2024 as against Rs 160.33 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales181.49160.33 13 OPM %48.4978.71 - PBDT22.7558.85 -61 PBT22.3158.48 -62 NP15.2740.82 -63 Powered by Capital Market - Live

7 months agoCapital Market - Live
Corporate
Arman Financial Services schedules board meeting

Arman Financial Services will hold a meeting of the Board of Directors of the Company on 13 November 2024Powered by Capital Market - Live

7 months agoCapital Market - Live
Corporate
Arman Financial Services schedules AGM

Arman Financial Services announced that the Annual General Meeting (AGM) of the company will be held on 27 September 2024.Powered by Capital Market - Live

9 months agoCapital Market - Live
Earnings
Arman Financial Services consolidated net profit declines 21.63% in the June 2024 quarter

Net profit of Arman Financial Services declined 21.63% to Rs 31.30 crore in the quarter ended June 2024 as against Rs 39.94 crore during the previous quarter ended June 2023. Sales rose 23.36% to Rs 184.43 crore in the quarter ended June 2024 as against Rs 149.51 crore during the previous quarter ended June 2023. ParticularsQuarter EndedJun. 2024Jun. 2023% Var. Sales184.43149.51 23 OPM %57.9176.31 - PBDT41.4350.12 -17 PBT41.0149.80 -18 NP31.3039.94 -22 Powered by Capital Market - Live

10 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Arman Financial Services Ltd (ARMANFIN) today?

    The share price of ARMANFIN as on 9th July 2025 is ₹1710.80. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Arman Financial Services Ltd (ARMANFIN) share?

    The past returns of Arman Financial Services Ltd (ARMANFIN) share are
    • Past 1 week: 3.10%
    • Past 1 month: 15.52%
    • Past 3 months: 29.35%
    • Past 6 months: 33.16%
    • Past 1 year: -16.67%
    • Past 3 years: 31.24%
    • Past 5 years: 228.26%

  3. What are the peers or stocks similar to Arman Financial Services Ltd (ARMANFIN)?
  4. What is the market cap of Arman Financial Services Ltd (ARMANFIN) share?

    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 ₹1820.31 Cr as of 9th July 2025.

  5. What is the 52 week high and low of Arman Financial Services Ltd (ARMANFIN) share?

    The 52-week high of Arman Financial Services Ltd (ARMANFIN) is ₹2122.45 and the 52-week low is ₹1109.95.

  6. What is the PE and PB ratio of Arman Financial Services Ltd (ARMANFIN) stock?

    The P/E (price-to-earnings) ratio of Arman Financial Services Ltd (ARMANFIN) is 34.96. The P/B (price-to-book) ratio is 2.24.

  7. Which sector does Arman Financial Services Ltd (ARMANFIN) belong to?

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

  8. How to buy Arman Financial Services Ltd (ARMANFIN) shares?

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