ARMAN FIN SERV Latest Share Price (ARMANFIN)
TODAY IN ONE LINE
ARMANFIN is little changed at ₹1961.00 on light volume — a quiet consolidation day, supported by recent strong earnings.
With a market cap of ₹2,072.46 Cr., it trades at a P/E of 17.83. 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 FIN SERV flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 221.6% YoY
- ●Quarterly OutperformanceLatest quarter Sales up 206.3% and Profit up 209.6%
- ●Healthy Operating MarginsOPM is structurally strong at 51.5%
- ●Promoter BuyingPromoters increased holdings by 3.96% QoQ
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●Poor Capital ReturnsLow ROE of 6.4%
- ●Low Promoter HoldingPromoters hold only 13.0%
- ●Rising Receivables vs SalesReceivables grew 35.8% outpacing sales growth of 4.8%
Latest ARMAN FIN SERV News
What changed recently?
Recent events, corporate actions, and announcements.
ARMAN FIN SERV valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for ARMAN FIN SERV, framed against the sector median so the premium or discount is obvious at a glance.
ARMAN FIN SERV trades at a P/E of 17.83× and P/B of 2.21×.
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 FIN SERV technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for ARMAN FIN SERV — derived from the latest tape, not yesterday's close.
ARMAN FIN SERV last traded at ₹1,961 with an intraday range of ₹1,938.9–₹1,976 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹1961.00| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 2052.57 | +91.57 | +4.67% |
| R3 | 2015.47 | +54.47 | +2.78% |
| R2 | 1995.73 | +34.73 | +1.77% |
| R1 | 1978.37 | +17.37 | +0.89% |
| PIVOT | 1958.63 | -2.37 | -0.12% |
| CURRENT | 1961.00 | — | — |
| S1 | 1941.27 | -19.73 | -1.01% |
| S2 | 1921.53 | -39.47 | -2.01% |
| S3 | 1904.17 | -56.83 | -2.90% |
| S4 | 1867.07 | -93.93 | -4.79% |
ARMANFIN is trading Above CPR, indicating Bullishness
CPR is Narrower, suggesting likely for trending moves
Day's range: ₹1938.9–₹1962.5
Trading Inside opening range
ARMAN FIN SERV financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for ARMAN FIN SERV — consolidated or standalone — with margins, YoY growth and key ratios inline.
ARMAN FIN SERV reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹2,072.46 Cr. and reported EPS of ₹42.33.
| 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 FIN SERV segment analysis : revenue and profit mix.
Disclosed business segments at ARMAN FIN SERV with their share of revenue and profit, switchable between consolidated and standalone reporting.
ARMAN FIN SERV 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 FIN SERV.
Our AI distills the core fundamental drivers supporting ARMAN FIN SERV, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
ARMAN FIN SERV'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.
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.
ROCE 11.71% indicates reasonable capital deployment in core microfinance and MSME lending.
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 6.06% significantly lags peer median 15%, indicating weak shareholder value creation.
Debt-to-equity 0.0099x masks extreme leverage with ₹279.78 Cr total debt against ₹632.44 Cr equity.
Flip Conditions.
Valuation risk. a P/E above 23 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 FIN SERV peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — ARMAN FIN SERV is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
ARMAN FIN SERV chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for ARMAN FIN SERV — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
ARMAN FIN SERV delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for ARMAN FIN SERV over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in ARMAN FIN SERV stood at 51.4% of traded volume, against a 20-day average of 53.7%.
ARMAN FIN SERV announcements: results, concalls, ratings, M&A.
Filings ARMAN FIN SERV sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
ARMAN FIN SERV files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 114 documents below.
Analysts/Institutional Investor Meet/Con. Call Updates
Arman Financial Services Limited has informed the Exchange about Schedule of meet
ESOP/ESOS/ESPS
Arman Financial Services Limited has informed the Exchange regarding Allotment of 31571 Shares.
Copy of Newspaper Publication
Copy of Newspaper advertisement for 34th AGM and Information about e-voting published today i.e. 07-09-2026 in the newspaper viz. The Indian Express…
General Updates
Arman Financial Services Limited has informed the Exchange about Letter to shareholders
Shareholders meeting
Arman Financial Services Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 28, 2026
Investor decks & rating reports.
Credit Rating- New
Credit Rating- New
Credit Rating- Revision
Credit Rating- Revision
Credit Rating- Revision
ARMAN FIN SERV dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue ARMAN FIN SERV has declared, sequenced by announce and record date.
ARMAN FIN SERV corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
ARMAN FIN SERV insider trading: promoter and management activity.
Promoter, director and designated-employee transactions in ARMAN FIN SERV as reported to SEBI — buying and selling signals from the people who know the business best.
ARMAN FIN SERV 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 FIN SERV: business, sector, key facts.
What ARMAN FIN SERV does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
ARMAN FIN SERV 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 FIN SERV (ARMANFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of ARMAN FIN SERV (ARMANFIN)?
The current share price of ARMAN FIN SERV (ARMANFIN) is ₹1,961.00. Today, the stock has gained by ₹4.60 (0.24%), trading in a range of ₹1,938.90 to ₹1,976.00. The stock opened at ₹1,939.70 with a trading volume of 11,273 shares.
02Is ARMAN FIN SERV stock a good investment for long-term?
ARMAN FIN SERV can be considered for long-term investment based on several factors. The company has a market capitalization of ₹2,072.46 Cr., P/E ratio of 17.83, ROE of 6.42%, and ROCE of 9.96%. 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 FIN SERV stock?
The 52-week high price of ARMAN FIN SERV (ARMANFIN) is ₹2,158.60, while the 52-week low is ₹1,301.00. Currently trading at ₹1,961.00, the stock is 50.73% above its 52-week low and 9.15% 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 FIN SERV stock at the current price?
Whether to buy ARMAN FIN SERV stock at ₹1,961.00 depends on multiple factors. The stock is currently trading with a P/E ratio of 17.83 and P/B ratio of 2.21. Today's performance shows a gain of 0.24%. 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 FIN SERV and when is the next dividend?
ARMAN FIN SERV offers a dividend yield of 0%, which means for every ₹100 invested at the current price of ₹1,961.00, 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 FIN SERV?
ARMAN FIN SERV's key financial metrics include: P/E Ratio: 17.83, P/B Ratio: 2.21, ROE: 6.42%, ROCE: 9.96%, Dividend Yield: 0%, EPS: ₹42.33, Book Value: ₹887.64, and Debt-to-Equity: 0.44. The company's market cap stands at ₹2,072.46 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is ARMAN FIN SERV stock performing today in the market?
ARMAN FIN SERV stock opened at ₹1,939.70 and is currently trading at ₹1,961.00, showing a gain of ₹4.60 (0.24%). The intraday high is ₹1,976.00 and low is ₹1,938.90. The trading volume stands at 11,273 shares, indicating moderate market participation today.
08What is the P/E ratio of ARMAN FIN SERV and what does it indicate?
ARMAN FIN SERV has a Price-to-Earnings (P/E) ratio of 17.83, which means investors are willing to pay 17.83 for every ₹1 of earnings. With an EPS of ₹42.33, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about ARMAN FIN SERV (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.