Arman Financial Services Ltd Stock Price Today (NSE: ARMANFIN)
Arman Financial Services Ltd
Fundamental Score
Arman Financial Services Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Arman Financial Services Ltd share price today is ₹1994.30, up +5.17% on NSE/BSE as of 3 August 2026. Arman Financial Services Ltd (ARMANFIN) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹2.09K (Cr). The 52-week high for ARMANFIN share price is ₹2069.20 and the 52-week low is ₹1270.00. At a P/E ratio of 36.95x, ARMANFIN is currently trading above its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 6.26% and a debt-to-equity ratio of 1.90.
Arman Financial Services Ltd Share Price Chart — NSE/BSE Historical Performance
Arman Financial Services Ltd share price chart: 13.95% return over the past month. 52-week high ₹2069.20, 52-week low ₹1270.00.
Arman Financial Services Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹1911.00 | ₹1960.00 | ₹1892.40 | ₹1941.00 | 25.50K (Cr) | |
| ₹1901.00 | ₹1931.70 | ₹1885.00 | ₹1896.20 | 31.64K (Cr) | |
| ₹1927.90 | ₹1941.70 | ₹1906.00 | ₹1912.00 | 16.75K (Cr) | |
| ₹2003.00 | ₹2008.00 | ₹1922.00 | ₹1928.20 | 28.65K (Cr) | |
| ₹1930.10 | ₹2000.00 | ₹1930.10 | ₹1993.40 | 40.01K (Cr) | |
| ₹1917.30 | ₹1988.40 | ₹1902.00 | ₹1917.30 | 43.60K (Cr) | |
| ₹1936.60 | ₹1974.90 | ₹1905.10 | ₹1926.00 | 26.59K (Cr) | |
| ₹1955.00 | ₹1997.10 | ₹1933.00 | ₹1985.10 | 21.66K (Cr) | |
| ₹1964.00 | ₹1973.40 | ₹1924.20 | ₹1943.70 | 19.91K (Cr) | |
| ₹1953.00 | ₹1968.80 | ₹1914.40 | ₹1958.20 | 30.01K (Cr) |
Arman Financial Services Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹1710.00 | ₹2069.20 | ₹1688.00 | ₹1941.00 | +13.51% | |
| ₹1686.10 | ₹1728.00 | ₹1491.10 | ₹1694.00 | +0.47% | |
| ₹1493.20 | ₹1906.60 | ₹1485.00 | ₹1686.10 | +12.92% | |
| ₹1370.00 | ₹1652.20 | ₹1355.30 | ₹1493.20 | +8.99% | |
| ₹1521.00 | ₹1559.60 | ₹1301.00 | ₹1343.50 | -11.67% | |
| ₹1517.60 | ₹1760.00 | ₹1489.00 | ₹1567.50 | +3.29% | |
| ₹1549.00 | ₹1657.60 | ₹1409.40 | ₹1618.50 | +4.49% | |
| ₹1638.10 | ₹1649.10 | ₹1388.00 | ₹1557.40 | -4.93% | |
| ₹1620.00 | ₹1780.00 | ₹1589.10 | ₹1638.10 | +1.12% | |
| ₹1452.30 | ₹1719.00 | ₹1450.50 | ₹1631.40 | +12.33% | |
| ₹1352.20 | ₹1565.60 | ₹1352.20 | ₹1444.10 | +6.80% | |
| ₹1603.00 | ₹1653.60 | ₹1270.00 | ₹1358.30 | -15.27% |
AI Research Briefing
Powered by Gemini · 2026-04-09
Rural NBFC, needs execution to justify growth premium, watch AUM and asset quality.
WHAT'S HAPPENING NOW
Arman Financial Services completed its monthly debenture interest payment of akh on April 4, 2026. The company also submitted its debt securities statement to BSE, disclosing five non-convertible securities with a total outstanding amount of Cr. Q3 FY26 net profit jumped 405.51% YoY to Cr, while revenue fell -2.85% YoY to Cr.
CORE STORY
- Q3 net profit jumped 405.51% YoY
- ₹29.68 Lakh debenture interest payment completed
- ₹407.00 Cr in outstanding non-convertible debt securities
- Stronger-than-expected rural demand
- Improvement in asset quality
- Successful expansion into new geographies
- Low promoter holding (22%)
- High cost of borrowing
- Micro/SME cap liquidity risk
FII increased stake by 0.38%, DII decreased stake by 0.25%
RBI's focus on growth and new NBFC framework could strengthen the sector
No - Free Cash Flow 5Y: ₹-833.22 Cr
Focus on AUM growth and asset quality. Monitor microfinance sector for continued stress.
Primary Thesis Risk
Prolonged stress in the microfinance sector could derail growth and impact asset quality.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Arman Financial Services Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
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
6 factors identified
Strong Operating Margins (56.55%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (221.39%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Consistent Growth Track Record (27.06% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (33.90% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (39.75% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (6.26%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Revenue Contraction (-11.92%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Elevated Debt Levels (D/E: 1.90)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.38x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-1318.20 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: 6.79%)
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 vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Arman Financial Services Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Arman Financial Services LtdArman Financial...Selected✓ ARMANFIN • 531179 | 40.3/100 | ₹1994.30₹1994 | ₹2091.49₹2091.49 | 36.95Average 37.0 Average | 6.26%Poor 6.26% Poor | 11.74%Average 11.74% Average | 1.90Average 1.9 Average | 39.75%Excellent 39.75% Excellent | 27.06%Excellent 27.06% Excellent | 0.00% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
Arman Financial Services Ltd PE Ratio History
Historical price-to-earnings ratio for ARMANFIN — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹49.26 | ₹1557.40 | 31.6x |
| FY 2024 | ₹192.76 | ₹1237.65 | 6.4x |
| FY 2023 | ₹107.28 | ₹2437.70 | 22.7x |
| FY 2022 | ₹37.35 | ₹1438.05 | 38.5x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Arman Financial Services Ltd Dividend History
Annual cash dividends paid by ARMANFIN — dividend yield N/A
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2021 | ₹0.03 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
Arman Financial Services Ltd Quarterly Performance
Latest quarterly metrics for ARMANFIN — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
-11.92%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
221.39%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
27.06%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
39.75%
Compounded annual net profit growth over 5 years
Arman Financial Services Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for ARMANFIN — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Arman Financial Services Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Arman Financial Services Ltd (ARMANFIN) — sourced from NSE/BSE filings.
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Fetching financial data for Arman Financial Services Ltd
About ARMANFIN (Arman Financial Services Ltd)
Arman Financial Services Ltd is a Non-Banking Financial Company (NBFC) focused on providing financial solutions to underserved communities and businesses within India. The company ...operates with the aim of fostering economic empowerment by extending credit facilities to those who often face barriers to accessing traditional banking services. With a strong emphasis on ethical lending practices and financial inclusion, Arman Financial Services endeavors to contribute to the sustainable growth of its clientele. They achieve this through a range of targeted loan products designed to meet the specific needs of micro, small, and medium enterprises, as well as individuals seeking to improve their livelihoods. Arman Financial Services offers a diversified portfolio of financial products tailored to distinct segments of the market. These offerings include loans for micro, small, and medium enterprises (MSMEs), facilitating their expansion and operational efficiency. Furthermore, the company provides two-wheeler loans, empowering individuals to acquire reliable transportation for personal or business use. Microfinance loans constitute a significant part of their operations, enabling vulnerable populations to engage in income-generating activities and uplift their economic status. In addition, Arman Financial Services extends individual business loans and loans against property, catering to a wider range of financial requirements. Established with a vision to bridge the financial gap for marginalized populations, Arman Financial Services Ltd has evolved into a significant player in the Indian NBFC sector. Originally incorporated in 1992, the company underwent a name change in 2008 to reflect its strategic shift towards a more comprehensive range of financial services. Headquartered in India, Arman Financial Services has steadily expanded its reach and impact, establishing a presence in multiple regions. The company remains committed to its mission of promoting financial inclusion and driving sustainable development through responsible lending and customer-centric approaches.
Company Details
Key Leadership
Corporate Events
ARMANFIN Share Price: Frequently Asked Questions
What is the current share price of Arman Financial Services Ltd?
Arman Financial Services Ltd (ARMANFIN) trades at ₹1994.30 on NSE and BSE. Market cap ₹2.09K (Cr). Educational data only.
What is the P/E ratio of Arman Financial Services Ltd?
Arman Financial Services Ltd has a P/E of 36.95x vs industry average 22.18x.
What is the Bull Run score for Arman Financial Services Ltd?
Arman Financial Services Ltd has a Bull Run score of 40.3/100 based on 25+ financial parameters.
Does Arman Financial Services Ltd pay dividends?
Arman Financial Services Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Arman Financial Services Ltd?
Arman Financial Services Ltd has ROE of 6.26%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Arman Financial Services Ltd?
Arman Financial Services Ltd has debt-to-equity of 1.90.
Is Arman Financial Services Ltd a good investment?
Bull Run gives Arman Financial Services Ltd a score of 40.3/100. This is not investment advice — consult a SEBI-registered advisor.