Arman Financial Services Ltd
Fundamental Score
Arman Financial Services Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
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. This indicates sustainable profitability potential.
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 and market opportunity execution over time.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
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. Monitor for recovery signs and management guidance.
Revenue Contraction (-12.28%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Weak Earnings Growth (0.23% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (4.63% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
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 and cash flow generation.
Weak Interest Coverage (1.06x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-833.22 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Low Promoter Commitment (22.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
Limited Institutional Interest (FII+DII: 6.63%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
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. Assess capital allocation strategy.
Financial Statements
Comprehensive financial data for Arman Financial Services Ltd
About ARMANFIN
Business Overview
Arman Financial Services Limited, together with its subsidiary, operates as a non-banking finance company in India. The company offers micro, small, and medium enterprise loans; two wheeler loans; and micro finance loans as well as individual business loans and loan against property. The company was formerly known as Arman Lease and Finance Limited and changed its name to Arman Financial Services Limited in November 2008. Arman Financial Services Limited was incorporated in 1992 and is headquartered in Ahmedabad, India.
Company Details
Key Leadership
Corporate Events
ARMANFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Arman Financial Services Ltd (ARMANFIN)?
As of 30 Jan 2026, 01:39 pm IST, Arman Financial Services Ltd (ARMANFIN) is currently trading at ₹1618.50. The stock has a market capitalization of ₹1.69K (Cr).
Is ARMANFIN share price Overvalued or Undervalued?
ARMANFIN 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 stock appears to be Fairly Valued against its sector peers.
What factors affect the Arman Financial Services Ltd share price?
Key factors influencing ARMANFIN's price include its 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.
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's P/E of 0.00x and ROE of 6.17% against the industry averages to determine its competitive standing.
What is the P/E ratio of ARMANFIN and what does it mean?
ARMANFIN has a P/E ratio of N/Ax compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹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, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
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.
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. Return on Equity measures how efficiently Arman Financial Services Ltd generates profits from shareholders' equity.
How is ARMANFIN's 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. A ratio below 1.0 generally indicates conservative financing.
What is ARMANFIN's dividend yield and is it a good dividend stock?
ARMANFIN offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has ARMANFIN 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% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is ARMANFIN's market capitalization category?
ARMANFIN has a market capitalization 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 stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for ARMANFIN?
ARMANFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is ARMANFIN's 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's quarterly performance?
Recent quarterly performance shows 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 stock.