Arman Financial Services Latest Share Price (ARMANFIN)
TODAY IN ONE LINE
ARMANFIN slipped 0.9% on average volume, in line with Nifty's 0.1% move.
With a market cap of ₹2,130.82 Cr., it trades at a P/E of 38.01. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
Arman Financial Services flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 221.6% YoY
- ●Healthy Operating MarginsOPM is structurally strong at 44.0%
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●Sales ContractionQuarterly sales dropped 11.9% YoY
- ●Poor Capital ReturnsLow ROE of 6.3%
- ●Low Promoter HoldingPromoters hold only 22.0%
- ●High Leverage RiskDebt-to-Equity is elevated at 1.90x
- ●Rising Receivables vs SalesReceivables grew 35.8% outpacing sales growth of 4.8%
Latest Arman Financial Services News
What changed recently?
Recent events, corporate actions, and announcements.
Arman Financial Services Limited valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Arman Financial Services Limited, framed against the sector median so the premium or discount is obvious at a glance.
Arman Financial Services Limited trades at a P/E of 38.01× and P/B of 2.31×.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
Arman Financial Services Limited technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for Arman Financial Services Limited — derived from the latest tape, not yesterday's close.
Arman Financial Services Limited last traded at ₹2,031.5 with an intraday range of ₹2,011–₹2,065.5 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹2031.50| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 2170.00 | +138.50 | +6.82% |
| R3 | 2115.50 | +84.00 | +4.13% |
| R2 | 2090.50 | +59.00 | +2.90% |
| R1 | 2061.00 | +29.50 | +1.45% |
| PIVOT | 2036.00 | 4.50 | 0.22% |
| CURRENT | 2031.50 | — | — |
| S1 | 2006.50 | -25.00 | -1.23% |
| S2 | 1981.50 | -50.00 | -2.46% |
| S3 | 1952.00 | -79.50 | -3.91% |
| S4 | 1897.50 | -134.00 | -6.60% |
ARMANFIN is trading Below CPR, indicating Bearishness
CPR is Average
Day's range: ₹2046.7–₹2065.5
Trading Inside opening range
Arman Financial Services Limited financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for Arman Financial Services Limited — consolidated or standalone — with margins, YoY growth and key ratios inline.
Arman Financial Services Limited reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹2,130.82 Cr. and reported EPS of ₹53.57.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Interest Earned | 619 | 577 ▼ 6.7% |
| 0 | 0 ▼ 22.2% | |
| Total Income | 730 | 646 ▼ 11.5% |
| Net Interest Income (NII)Derived | 619 | 577 ▼ 6.7% |
| Profit Before Tax (PBT) | 69 | 77 ▲ 12.0% |
| 17 | 21 ▲ 21.9% | |
| Effective Tax %Derived | 24.63% | 26.83% |
| Total Profit for Period | 52 | 57 ▲ 8.7% |
| Net Profit (Owner's PAT)Derived | 52 | 57 ▲ 8.7% |
| PAT Growth YoY %Derived | -70.00% | 8.70% |
| Earnings Per Share (EPS ₹) | 49.64 | 53.88 ▲ 8.5% |
| Diluted Shares Outstanding (Cr) | 1 | 1 ▲ 0.2% |
| Other Comprehensive Income (Net of Tax) | 2 | -3 ▼ 284.2% |
| Impairment On Financial Instruments | 264 | 148 ▼ 43.9% |
| Net Gain Fair Value Changes | 8 | 7 ▼ 17.8% |
| Other Revenue From Operations | 77 | 30 ▼ 61.4% |
| Period | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | — | — | 200 | 186 ▼ 7.4% | 221 ▲ 18.8% | 387 ▲ 75.3% | 593 ▲ 53.4% | 619 ▲ 4.3% | 577 ▼ 6.7% | |
0 | 1 ▲ 3883.3% | 4 ▲ 562.2% | 2 ▼ 36.3% | 1 ▼ 57.2% | 0 ▼ 99.7% | 0 ▲ 1979.5% | 0 ▼ 98.7% | 0 ▼ 22.2% | ||
| Total Income | 80 | 141 ▲ 76.2% | 215 ▲ 52.5% | 193 ▼ 10.2% | 235 ▲ 21.6% | 424 ▲ 80.4% | 662 ▲ 56.1% | 730 ▲ 10.4% | 646 ▼ 11.5% | |
| Net Interest Income (NII)Derived | — | — | 200 | 186 ▼ 7.4% | 221 ▲ 18.8% | 387 ▲ 75.3% | 593 ▲ 53.4% | 619 ▲ 4.3% | 577 ▼ 6.7% | |
| Profit Before Tax (PBT) | 10 | 31 ▲ 212.9% | 54 ▲ 75.5% | 12 ▼ 78.1% | 46 ▲ 286.9% | 125 ▲ 174.5% | 228 ▲ 82.5% | 69 ▼ 69.7% | 77 ▲ 12.0% | |
2 | 9 ▲ 272.9% | 12 ▲ 31.6% | 1 ▼ 90.6% | 14 ▲ 1102.2% | 31 ▲ 125.7% | 55 ▲ 75.1% | 17 ▼ 68.8% | 21 ▲ 21.9% | ||
| Effective Tax %Derived | 25.50% | 30.39% | 22.79% | 9.75% | 30.31% | 24.92% | 23.90% | 24.63% | 26.83% | |
| Total Profit for Period | 7 | 21 ▲ 192.4% | 42 ▲ 94.6% | 11 ▼ 74.4% | 32 ▲ 198.8% | 94 ▲ 195.7% | 174 ▲ 85.0% | 52 ▼ 70.0% | 57 ▲ 8.7% | |
| Net Profit (Owner's PAT)Derived | 7 | 21 ▲ 192.4% | 42 ▲ 94.6% | 11 ▼ 74.4% | 32 ▲ 198.8% | 94 ▲ 195.7% | 174 ▲ 85.0% | 52 ▼ 70.0% | 57 ▲ 8.7% | |
| PAT Growth YoY %Derived | — | 192.41% | 94.63% | -74.43% | 198.82% | 195.72% | 85.02% | -70.00% | 8.70% | |
| Earnings Per Share (EPS ₹) | 12.75 | 30.69 ▲ 140.7% | 49.13 ▲ 60.1% | 12.51 ▼ 74.5% | 37.36 ▲ 198.6% | 110.47 ▲ 195.7% | 165.67 ▲ 50.0% | 49.64 ▼ 70.0% | 53.88 ▲ 8.5% | |
| Diluted Shares Outstanding (Cr) | 1 | 1 ▲ 21.5% | 1 ▲ 21.6% | 1 ▲ 0.4% | 1 ▲ 0.0% | 1 ▲ 0.0% | 1 ▲ 23.4% | 1 ▲ 0.1% | 1 ▲ 0.2% | |
| Other Comprehensive Income (Net of Tax) | — | — | 1 | 4 ▲ 595.7% | -6 ▼ 261.0% | -5 ▲ 18.5% | 6 ▲ 218.8% | 2 ▼ 68.5% | -3 ▼ 284.2% | |
| Impairment On Financial Instruments | — | — | 20 | 55 ▲ 172.8% | 37 ▼ 31.6% | 45 ▲ 19.8% | 65 ▲ 45.5% | 264 ▲ 305.7% | 148 ▼ 43.9% | |
| Net Gain Fair Value Changes | — | — | 0 | 0 ▲ 43.6% | 2 ▲ 604.6% | 2 ▲ 20.3% | 8 ▲ 307.7% | 8 ▲ 3.1% | 7 ▼ 17.8% | |
| Other Revenue From Operations | — | — | 5 | — ▼ 100.0% | 6 | 19 ▲ 224.2% | 37 ▲ 96.5% | 77 ▲ 109.0% | 30 ▼ 61.4% |
Arman Financial Services segment analysis : revenue and profit mix.
Disclosed business segments at Arman Financial Services with their share of revenue and profit, switchable between consolidated and standalone reporting.
Arman Financial Services discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for Arman Financial Services Limited.
Our AI distills the core fundamental drivers supporting Arman Financial Services Limited, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
Arman Financial Services Limited's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Operating margin 31.01% demonstrates strong cost control and pricing power in lending.
TTM revenue growth 36.8% significantly outpaces peer median, signaling robust market traction.
ROCE 11.70% indicates efficient capital deployment in core microfinance and MSME lending.
Established 30+ year operational history with branch network across India provides distribution advantage.
Book value per share ₹888.88 offers modest valuation support at current price levels.
Key Risks.
Latest quarterly EPS grew 221.3% YoY but from depressed prior-year base, masking quality concerns.
Operating cash flow negative ₹174 Cr in FY26 despite ₹40.61 Cr net profit signals severe deterioration.
Quarterly sales declined 11.90% YoY to ₹176 Cr, contradicting positive TTM revenue trend.
ROE 6.26% significantly lags peer median 15%, indicating weak shareholder value creation.
Debt-to-equity 0.019x masks extreme leverage with ₹1,776 Cr total debt against ₹632.44 Cr equity.
Flip Conditions.
Valuation risk. a P/E above 49 would leave less room for earnings disappointment.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Return-quality risk. ROE below 8% would indicate weaker capital compounding.
Arman Financial Services Limited peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Arman Financial Services Limited is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
Arman Financial Services Limited chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Arman Financial Services Limited — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
- 1Pick how to scan. Detection sets sensitivity — Daily (standard) → Weekly (big swings). History sets how far back to look.
- 2Read the summary. The tiles at the top give the current read: net bias, the strongest pattern, and the one nearest to triggering.
- 3Scan the list. Use the Actionable, Watchlist, and History tabs to browse patterns. Click a pattern card to focus it.
- 4Inspect on the chart. Focusing draws the pattern’s pivots plus its break (blue), target (amber) and invalidation lines.
- 5Filter to what matters. Use the status controls (Confirmed, Forming, Invalidated) to hide noise and find exactly what you are looking for.
Pattern history — every completed pattern and its outcome
Arman Financial Services Limited delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Arman Financial Services Limited over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Arman Financial Services Limited stood at 60.8% of traded volume, against a 20-day average of 51.6%.
Arman Financial Services announcements: results, concalls, ratings, M&A.
Filings Arman Financial Services sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Arman Financial Services files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 94 documents below.
Copy of Newspaper Publication
Arman Financial Services Limited has informed the Exchange about Copy of Newspaper Publication Newspaper advertisement in respect of the transfer of…
Copy of Newspaper Publication
Arman Financial Services Limited has informed the Exchange about Copy of Newspaper Publication for Newspaper advertisement in respect of the transfer…
Certificate under SEBI (Depositories and Participants) Regulations, 2018
Arman Financial Services Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Trading Window
Arman Financial Services Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading)…
Disclosure under SEBI Takeover Regulations
Jayendrabhai Bhailalbhai Patel has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of…
Investor decks & rating reports.
Credit Rating- New
Credit Rating- New
Credit Rating- Revision
Credit Rating- Revision
Credit Rating- Revision
Arman Financial Services dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Arman Financial Services has declared, sequenced by announce and record date.
Arman Financial Services corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
Arman Financial Services insider trading: promoter and management activity.
Promoter, director and designated-employee transactions in Arman Financial Services as reported to SEBI — buying and selling signals from the people who know the business best.
Arman Financial Services insider activity below tracks 3 reported promoter, director and designated-employee transactions under SEBI Regulation 7(2).
| Insider | Category | Txn Date | Action | Quantity | Value (₹) | Price |
|---|---|---|---|---|---|---|
| Himani A. Manakiwala | Insider | 11 Jun 2025 | sell | −450 | ₹7.88 L | ₹1,750.00 |
| Himani A. Manakiwala | Insider | 10 Jun 2025 | sell | −500 | ₹8.75 L | ₹1,750.00 |
| Himani A. Manakiwala | Insider | 27 Feb 2025 | sell | −241 | ₹3.19 L | ₹1,325.00 |
About Arman Financial Services Limited: business, sector, key facts.
What Arman Financial Services Limited does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Arman Financial Services Limited operates in the Non Banking Financial Company (NBFC) industry under the Financial Services sector, listed as NSE: ARMANFIN, BSE: 531179.
Arman Financial Services Limited (AFSL), along with its subsidiary Namra Finance Limited, is a prominent non-banking finance company (NBFC) operating within India's dynamic financial landscape. Its core business revolves around providing a diverse range of financial products and services catering to a broad spectrum of borrowers.
A significant portion of AFSL's business is dedicated to microfinance loans, targeting individuals and small businesses with limited access to traditional banking services. This commitment to inclusive finance reflects a socially responsible approach, empowering marginalized communities through access to credit. The company also extends its services to the Micro, Small, and Medium Enterprises (MSME) sector, a crucial engine of economic growth in India. These loans are designed to support the operational needs and expansion plans of these businesses, contributing to overall economic development.
Beyond microfinance and MSME lending, AFSL offers a more specialized portfolio of financial services. Two-wheeler finance provides financing options for individuals purchasing motorcycles and scooters, a popular mode of transportation in India. Individual business loans offer flexible financing solutions for entrepreneurs launching or expanding their ventures, supporting growth within the private sector. Finally, the company also provides loans secured against property, acting as a viable alternative financing option for individuals requiring larger loan amounts.
AFSL’s operational strategy relies on a well-established network of branches and dealers, ensuring widespread accessibility to its financial products. This multi-channel distribution approach allows the company to reach customers across various geographical locations and socioeconomic backgrounds. The company's history dates back to 1992, initially operating under the name Arman Lease and Finance Limited. The name changed to Arman Financial Services Limited in November 2008, reflecting the evolution of its business and service offerings. The company's headquarters are located in Ahmedabad, a major city in the western Indian state of Gujarat.
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Questions investors ask about Arman Financial Services Limited (ARMANFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Arman Financial Services Limited (ARMANFIN)?
The current share price of Arman Financial Services Limited (ARMANFIN) is ₹2,031.50. Today, the stock has declined by ₹18.30 (0.89%), trading in a range of ₹2,011.00 to ₹2,065.50. The stock opened at ₹2,064.90 with a trading volume of 32,572 shares.
02Is Arman Financial Services Limited stock a good investment for long-term?
Arman Financial Services Limited can be considered for long-term investment based on several factors. The company has a market capitalization of ₹2,130.82 Cr., P/E ratio of 38.01, ROE of 6.26%, and ROCE of 11.7%. The dividend yield stands at 0%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Arman Financial Services Limited stock?
The 52-week high price of Arman Financial Services Limited (ARMANFIN) is ₹2,090.00, while the 52-week low is ₹1,270.00. Currently trading at ₹2,031.50, the stock is 59.96% above its 52-week low and 2.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Arman Financial Services Limited stock at the current price?
Whether to buy Arman Financial Services Limited stock at ₹2,031.50 depends on multiple factors. The stock is currently trading with a P/E ratio of 38.01 and P/B ratio of 2.31. Today's performance shows a loss of 0.89%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Arman Financial Services Limited and when is the next dividend?
Arman Financial Services Limited offers a dividend yield of 0%, which means for every ₹100 invested at the current price of ₹2,031.50, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Arman Financial Services Limited?
Arman Financial Services Limited's key financial metrics include: P/E Ratio: 38.01, P/B Ratio: 2.31, ROE: 6.26%, ROCE: 11.7%, Dividend Yield: 0%, EPS: ₹53.57, Book Value: ₹888.88, and Debt-to-Equity: 1.9. The company's market cap stands at ₹2,130.82 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Arman Financial Services Limited stock performing today in the market?
Arman Financial Services Limited stock opened at ₹2,064.90 and is currently trading at ₹2,031.50, showing a decline of ₹18.30 (0.89%). The intraday high is ₹2,065.50 and low is ₹2,011.00. The trading volume stands at 32,572 shares, indicating moderate market participation today.
08What is the P/E ratio of Arman Financial Services Limited and what does it indicate?
Arman Financial Services Limited has a Price-to-Earnings (P/E) ratio of 38.01, which means investors are willing to pay 38.01 for every ₹1 of earnings. With an EPS of ₹53.57, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Arman Financial Services Limited (ARMANFIN) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.