Arman Financial Services Ltd Stock Price Today (NSE: ARMANFIN)
Arman Financial Services Ltd
Fundamental Score
Arman Financial Services Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Arman Financial Services Ltd share price today is ₹1667.00, up +0.00% on NSE/BSE as of 20 February 2026. Arman Financial Services Ltd (ARMANFIN) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹1.69K (Cr). The 52-week high for ARMANFIN share price is ₹N/A and the 52-week low is ₹N/A. The company has a Return on Equity (ROE) of 6.17% and a debt-to-equity ratio of 1.37.
Arman Financial Services Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Arman Financial Services Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Arman Financial Services Share Price: A Financial Analysis
The Non-Banking Financial Company (NBFC) sector is currently experiencing a period of rapid evolution, driven by increased digitization and a growing demand for last-mile financial inclusion. This analysis focuses on Arman Financial Services share price, currently trading at ₹1577.90, against this backdrop. While the company's Price-to-Earnings (PE) ratio is presently unavailable, making direct valuation comparisons challenging, understanding its Return on Capital Employed (ROCE) provides crucial insight.
Arman Financial Services boasts a ROCE of 13.31%. This figure is significant as it indicates the efficiency with which the company is deploying its capital to generate profits. A consistently high ROCE, like the one exhibited by Arman, can contribute to the development of an economic moat, creating a competitive advantage by making it difficult for competitors to achieve similar returns. This, in turn, can bolster investor confidence in the long-term sustainability of the business. However, the ROCE must be considered in conjunction with other financial metrics and industry benchmarks for a complete evaluation.
When analyzing Arman Financial Services Ltd, it's crucial to consider its management quality in comparison to its peers. For example, examining the strategic decisions and capital allocation skills relative to a peer such as
Apollo Finvest could reveal key differences in risk management and operational efficiency. Observing how management navigates regulatory changes and market fluctuations can also provide valuable insight. A deeper investigation is needed to draw concrete conclusions.The absence of a readily available PE ratio necessitates reliance on alternative valuation methods, such as discounted cash flow analysis or peer comparisons based on metrics beyond PE. This observational analysis is part of a more comprehensive 80-parameter fundamental audit, meticulously verified by Sweta Mishra, aiming to provide a holistic understanding of Arman Financial Services' financial health and growth potential. The goal here is to provide a neutral assessment based on observable data, not to offer buy or sell recommendations. This information should not substitute advice from a registered financial advisor.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Arman Financial Services Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of ARMANFIN across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Strong Operating Margins (59.33%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (27.81% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
11 factors identified
Below-Average Return on Equity (6.17%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Profit Decline Concern (-47.68%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Revenue Contraction (-12.28%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Weak Earnings Growth (0.23% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (4.63% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Elevated Debt Levels (D/E: 1.37)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.06x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-833.22 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Low Promoter Commitment (22.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
Limited Institutional Interest (FII+DII: 6.63%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Arman Financial Services Ltd Financial Statements
Comprehensive financial data for Arman Financial Services Ltd including income statement, balance sheet and cash flow
About ARMANFIN (Arman Financial Services Ltd)
Arman Financial Services Ltd (ARMANFIN) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹1.69K (Cr). Arman Financial Services Ltd has delivered a Return on Equity (ROE) of 6.17% and a ROCE of 13.31%. The debt-to-equity ratio stands at 1.37, reflecting the company's capital structure. Investors tracking ARMANFIN share price can monitor key metrics including P/E ratio, promoter holding of 22.00%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
ARMANFIN Share Price: Frequently Asked Questions
What is the current share price of Arman Financial Services Ltd (ARMANFIN)?
As of 20 Feb 2026, 06:09 am IST, Arman Financial Services Ltd share price is ₹1667.00. The ARMANFIN stock has a market capitalisation of ₹1.69K (Cr) on NSE/BSE.
Is ARMANFIN share price Overvalued or Undervalued?
ARMANFIN share price is currently trading at a P/E ratio of 0.00x, compared to the industry average of 22.03x. Based on this relative valuation, the Arman Financial Services Ltd stock appears to be Fairly Valued against its sector peers.
What is the 52-week high and low of ARMANFIN share price?
The 52-week high of ARMANFIN share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Arman Financial Services Ltd share price?
Key factors influencing ARMANFIN share price include quarterly earnings growth (Sales Growth: -12.28%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Arman Financial Services Ltd a good stock for long-term investment?
Arman Financial Services Ltd shows a 5-year Profit Growth of 4.63% and an ROE of 6.17%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.37 before investing in ARMANFIN shares.
How does Arman Financial Services Ltd compare with its industry peers?
Arman Financial Services Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare ARMANFIN share price P/E of 0.00x and ROE of 6.17% against the industry averages to determine competitive standing.
What is the P/E ratio of ARMANFIN and what does it mean?
ARMANFIN share price has a P/E ratio of N/Ax compared to the industry average of 22.03x. Investors pay ₹N/A for every ₹1 of annual earnings.
How is ARMANFIN performing according to Bull Run's analysis?
ARMANFIN has a Bull Run fundamental score of 14.5/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does ARMANFIN belong to?
ARMANFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Arman Financial Services Ltd share price.
What is Return on Equity (ROE) and why is it important for ARMANFIN?
ARMANFIN has an ROE of 6.17%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Arman Financial Services Ltd generates profits from shareholders capital.
How is ARMANFIN debt-to-equity ratio and what does it indicate?
ARMANFIN has a debt-to-equity ratio of 1.37, which indicates high leverage that increases financial risk.
What is ARMANFIN dividend yield and is it a good dividend stock?
ARMANFIN offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Arman Financial Services Ltd shares.
How has ARMANFIN share price grown over the past 5 years?
ARMANFIN has achieved 5-year growth rates of: Sales Growth 27.81%, Profit Growth 4.63%, and EPS Growth 0.23%.
What is the promoter holding in ARMANFIN and why does it matter?
Promoters hold 22.00% of ARMANFIN shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Arman Financial Services Ltd.
What is ARMANFIN market capitalisation category?
ARMANFIN has a market capitalisation of ₹1691 crores, placing it in the Small-cap category.
How volatile is ARMANFIN stock?
ARMANFIN has a beta of N/A. A beta > 1 suggests the Arman Financial Services Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is ARMANFIN operating profit margin trend?
ARMANFIN has a 5-year average Operating Profit Margin (OPM) of 59.33%, indicating the company's operational efficiency.
How is ARMANFIN quarterly performance?
Recent quarterly performance shows Arman Financial Services Ltd YoY Sales Growth of -12.28% and YoY Profit Growth of -47.68%.
What is the institutional holding pattern in ARMANFIN?
ARMANFIN has FII holding of 1.80% and DII holding of 4.83%. Significant institutional holding often suggests professional confidence in the Arman Financial Services Ltd stock.