how big is Arman Financial?

As of Jun 06, Arman Financial Services Ltd has a market capitalization of 1,605.12 Cr, with recent net sales of 730.04 Cr and a net profit of 52.07 Cr over the last four quarters. The shareholder's funds are 812.69 Cr, and total assets amount to 2,615.90 Cr as of Mar'24.

Market Cap: As of Jun 06, Arman Financial Services Ltd has a market capitalization of 1,605.12 Cr, classifying it as a Small Cap company.<BR><BR>Recent Quarterly Performance: For the latest 4 quarters, the sum of Net Sales is 730.04 Cr and the sum of Net Profit is 52.07 Cr. This data is Consolidated.<BR><BR>Balance Sheet Snapshot: This is Consolidated data for the latest annual period ending in Mar'24. The Shareholder's Funds are reported at 812.69 Cr, and the Total Assets amount to 2,615.90 Cr.

When is the next results date for Arman Financial?

No Upcoming Board Meetings

What does Arman Financial do?

Arman Financial Services Ltd is a non-banking finance company that offers loans for small and medium enterprises, two-wheelers, and property. As of March 2025, it reported net sales of ₹199 Cr and a net profit of ₹13 Cr, with a market cap of ₹1,612 Cr.

Overview:<BR>Arman Financial Services Ltd is a non-banking finance company (NBFC) that provides Small and Medium Enterprise Loans, Two-Wheeler loans, and Loan against property, operating within the small-cap market segment.<BR><BR>History:<BR>Arman Financial Services Ltd was incorporated on November 26, 1992, originally under the name 'Arman Lease & Finance Limited.' The most recent quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>Net Sales: 199 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 13 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: Rs 1,612 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 31.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 1.41 <BR>Return on Equity: 5.95% <BR>Price to Book: 1.83 <BR><BR>Contact Details:<BR>Address: 502-503 Sakar III, Off Ashram Road Opp Old High S Ahmedabad Gujarat : 380014 <BR>Tel: 91-079-40507000/27541989 <BR>Email: finance@armanindia.com <BR>Website: http://www.armanindia.com

Who are in the management team of Arman Financial?

As of March 2021, the management team of Arman Financial includes Jayendra Patel (Vice Chairman & Managing Director), Aalok Jayendrabhai Patel (Joint Managing Director), Alok Prasad (Chairman & Independent Director), and several other directors and executives, ensuring a diverse governance structure.

As of March 2021, the management team of Arman Financial includes the following individuals:<BR><BR>1. Jayendra Patel - Vice Chairman & Managing Director<BR>2. Aalok Jayendrabhai Patel - Joint Managing Director<BR>3. Alok Prasad - Chairman & Independent Director<BR>4. Ritaben Jayendrabhai Patel - Non-Executive & Non-Independent Director<BR>5. Ramakant Nagpal - Non-Executive & Independent Director<BR>6. Aakash Jayendra Patel - Non-Executive & Non-Independent Director<BR>7. Jaimish Govindbhai Patel - Company Secretary<BR>8. Mridul Arora - Nominee<BR>9. Geeta Solanki - Non-Executive & Independent Director<BR>10. Yash Kaushik Shah - Additional Independent Director<BR><BR>This diverse team includes a mix of executive and non-executive members, contributing to the governance and management of the company.

Has Arman Financial declared dividend?

Arman Financial has declared a 14% dividend, amounting to 1.4 per share, with an ex-date of September 13, 2019. However, the current dividend yield is 0%, and total returns have varied significantly across different periods.

Arman Financial has declared a 14% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 14%<BR>- Amount per share: 1.4<BR>- Ex-date: 13 Sep 19<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 12.04%, the dividend return was 0%, resulting in a total return of 12.04%.<BR><BR>For the 1-year period, the price return was -33.04%, the dividend return was 0%, leading to a total return of -33.04%.<BR><BR>Over the 2-year period, the price return was -22.1%, with a dividend return of 0%, resulting in a total return of -22.1%.<BR><BR>In the 3-year period, the price return was 34.24%, the dividend return was 0%, which gave a total return of 34.24%.<BR><BR>For the 4-year period, the price return was 151.6%, with no dividend return, resulting in a total return of 151.6%.<BR><BR>In the 5-year period, the price return was 327.74%, and the dividend return was 0%, leading to a total return of 327.74%.<BR><BR>Overall, while Arman Financial declared a dividend in the past, the current dividend yield is 0%, indicating no recent dividends. The total returns over various periods show significant fluctuations, with strong returns over longer periods despite negative performance in the shorter term.

Who are the peers of the Arman Financial?

Arman Financial's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Ugro Capital, Algoquant Fin, Finkurve Fin., and Saraswati Commer. Finkurve Fin. leads in 1-year returns at 135.71%, while Ugro Capital has the lowest at -38.06%, with Arman Financial at -25.78%.

Peers: The peers of Arman Financial are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Ugro Capital, Algoquant Fin, Finkurve Fin., and Saraswati Commer.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, and the rest. Average management risk is found at Jio Financial, Ugro Capital, Algoquant Fin, and the rest. Below Average management risk is noted at Finkurve Fin. and Saraswati Commer. Growth is excellent at Jio Financial, Ugro Capital, Algoquant Fin, and the rest, while good growth is observed at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and the rest. Average growth is seen at Muthoot Finance. Good capital structure is noted at Cholaman.Inv.&Fn, Algoquant Fin, and the rest, while excellent capital structure is observed at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Ugro Capital, Finkurve Fin., Saraswati Commer, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Finkurve Fin. at 135.71%, while Ugro Capital has the lowest at -38.06%. Arman Financial's 1-year return is -25.78%, which is better than Ugro Capital but worse than Finkurve Fin. Additionally, Ugro Capital and Saraswati Commer have negative six-month returns.

Who are the top shareholders of the Arman Financial?

The top shareholders of Arman Financial include Namra Holdings And Consultancy Services LLP with 9.04%, Elevation Capital V Limited with 10.9%, and individual investors holding 43.21%. Additionally, two mutual fund schemes hold 1.98%, and 24 foreign institutional investors hold 1.2%, with no pledged promoter holdings reported.

The top shareholders of Arman Financial include Namra Holdings And Consultancy Services LLP, which holds the highest promoter stake at 9.04%. The largest public shareholder is Elevation Capital V Limited, with a holding of 10.9%. Additionally, individual investors collectively hold 43.21% of the shares. The company also has 2 mutual fund schemes holding 1.98% and 24 foreign institutional investors (FIIs) holding 1.2%. There are no pledged promoter holdings reported.

Are Arman Financial latest results good or bad?

Arman Financial's latest results are disappointing, with a profit before tax of Rs -11.17 crore and a 17.3% decline in net sales to Rs 151.00 crore, marking the lowest figures in five quarters. Despite an improved debt-equity ratio, the overall financial metrics indicate a challenging period for the company.

Arman Financial's latest results are quite disappointing. For the quarter ending June 2025, the company reported a profit before tax of Rs -11.17 crore, which is a significant decline of 164.7% compared to the average profit before tax from the previous four quarters. The profit after tax also fell sharply to Rs -14.58 crore, marking a 212.0% drop from the prior average.<BR><BR>Net sales decreased to Rs 151.00 crore, down 17.3% from the average of the last four quarters, representing the lowest sales figure in the past five quarters. Additionally, both operating profit and operating profit margin have reached their lowest levels during this timeframe, indicating a decline in operational efficiency.<BR><BR>While the debt-equity ratio has improved to 1.41 times, suggesting a reduction in borrowing relative to equity, the decrease in cash and cash equivalents to Rs 403.42 crore points to a decline in short-term liquidity. Overall, these results reflect a challenging period for Arman Financial, with significant declines across key financial metrics.

Is Arman Financial overvalued or undervalued?

As of November 13, 2025, Arman Financial is considered very expensive and overvalued with a high PE ratio of 275.99, despite a strong year-to-date return of 30.72%, indicating that investors may be overestimating its future growth potential.

As of 13 November 2025, the valuation grade for Arman Financial has moved from expensive to very expensive. The company is currently considered overvalued based on its high PE ratio of 275.99, a Price to Book Value of 1.95, and an EV to EBITDA of 10.36. In comparison to its peers, Bajaj Finance has a PE ratio of 34.18, and Life Insurance shows a much lower PE of 11.18, highlighting the significant premium Arman Financial commands in the market.<BR><BR>Despite a strong return of 30.72% year-to-date compared to the Sensex's 8.11%, the valuation metrics suggest that the stock is not justified at its current price of 1625.00. With a PEG ratio of 0.00 and a ROE of only 5.95%, the financials indicate that investors may be overestimating future growth potential relative to the company's current earnings. Overall, Arman Financial appears to be overvalued in the current market environment.

How has been the historical performance of Arman Financial?

Arman Financial has shown significant growth in net sales and operating income, increasing from 190.94 Cr in Mar'21 to 730.04 Cr in Mar'25. However, profitability metrics have fluctuated, with profit before tax decreasing to 69.09 Cr in Mar'25 from 228.09 Cr in Mar'24.

Answer:<BR>The historical performance of Arman Financial shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>Arman Financial's net sales have shown a consistent upward trend, increasing from 190.94 Cr in Mar'21 to 730.04 Cr in Mar'25, with a notable jump from 423.90 Cr in Mar'23 to 661.46 Cr in Mar'24. Total operating income mirrored this growth, reaching 730.04 Cr in Mar'25. However, total expenditure also rose significantly, from 72.98 Cr in Mar'20 to 419.80 Cr in Mar'25, leading to an operating profit of 310.24 Cr in Mar'25, down from 494.91 Cr in Mar'24. Profit before tax decreased to 69.09 Cr in Mar'25 from 228.09 Cr in Mar'24, resulting in a profit after tax of 52.07 Cr for the same period. The company's total assets decreased from 2,615.90 Cr in Mar'24 to 2,201.36 Cr in Mar'25, while total liabilities also fell from 2,615.90 Cr to 2,201.36 Cr. Cash flow from operating activities improved to 492.00 Cr in Mar'25, contrasting with negative cash flows in previous years, although net cash outflow was recorded at -50.00 Cr. Overall, while Arman Financial has experienced growth in sales and operating income, profitability metrics have shown volatility, particularly in the last fiscal year.

Should I buy, sell or hold Arman Financial?

Why is Arman Financial falling/rising?

As of 02-Dec, Arman Financial Services Ltd's stock price is declining at 1,601.90, down -0.34% over the last two days and -2.30% over the past week, underperforming against the Sensex. Despite strong long-term fundamentals and recent increases in investor participation, the stock's short-term performance remains weak.

As of 02-Dec, Arman Financial Services Ltd is experiencing a decline in its stock price, currently at 1,601.90, which reflects a change of -5.45 (-0.34%). This downward movement can be attributed to several factors. The stock has been losing value for the last two days, with a total decline of -2.25% during this period. Additionally, over the past week, the stock has underperformed compared to the benchmark Sensex, which has gained +0.65%, while Arman Financial's return has been -2.30%.<BR><BR>Despite its strong long-term fundamentals, indicated by a robust average Return on Equity (ROE) of 14.19% and positive financial results reported in September 2025, the stock's recent performance has not matched the overall market trends. While the stock has shown impressive growth over the longer term, including a +20.88% return over the past year compared to the market's +6.09%, the short-term performance has been lackluster.<BR><BR>Moreover, although there has been a rise in investor participation, with a 43.5% increase in delivery volume on December 1st compared to the five-day average, this has not translated into a positive price movement. The stock is currently trading above its 100-day and 200-day moving averages but below its 5-day, 20-day, and 50-day moving averages, indicating mixed signals regarding its short-term momentum. Overall, these factors contribute to the current decline in Arman Financial's stock price.

Is Arman Financial technically bullish or bearish?

As of December 2, 2025, the trend is mildly bullish, supported by bullish weekly MACD and KST indicators, though tempered by a mildly bearish signal from Dow Theory on the weekly chart.

As of 2 December 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, driven by the weekly MACD and KST indicators, both of which are bullish, while the monthly MACD and KST are mildly bullish. The Bollinger Bands also indicate a mildly bullish trend on both weekly and monthly time frames. However, the Dow Theory shows a mildly bearish signal on the weekly chart, which slightly tempers the overall bullish sentiment. The daily moving averages are mildly bullish, supporting the positive outlook. Despite recent underperformance compared to the Sensex over the past week and month, the longer-term returns remain strong, particularly over 5 and 10 years.

Which are the latest news on Arman Financial?