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Arman Financial Services
Small Cap•951 Employees•IPO 1995
Current Price
₹1476.40
-45 (-2.96%)Updated
Valuation vs Sector
P/E Ratio
53.55vs 19.86
P/B Ratio
1.76vs 2.24
Div Yield
0.00%vs 0.55%
Today's Range
₹1465.00
₹1508.50
₹1476.40
52 Week Range
52W Low₹1109.95
52W High₹1834.60
₹1476.40
Downside33.02%
Upside24.26%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹1,748.98 Cr
Market Cap
Total market value of companyP/E Ratio
61.60
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.74
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹26.28
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
2.38%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
13.30%
ROCE
Return on Capital Employed. >15% is goodNet Margin
9.05%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-2.31%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
26.49%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
-18.10%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-147.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
1.42
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹833.53
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
22.00%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Strong operating profit margin of 38.45% indicates efficient cost management.
- •Respectable ROCE of 13.30% demonstrates effective capital utilization for profit generation.
Weaknesses
5 points- •Exceptionally high P/E ratio of 280.00 suggests significant overvaluation risk.
- •Substantial quarterly profit decline of -147.00% signals significant operational challenges.
Opportunities
5 points- •Capitalize on growing credit demand in underserved segments for business expansion.
- •Leveraging digital lending and fintech innovations can enhance efficiency and customer acquisition.
Threats
5 points- •Intense competition from larger NBFCs and banks pressures market share.
- •Adverse regulatory changes for NBFCs could increase costs and hinder growth.
Segment-wise Financial Analysis
Financial Results
Balance Sheet
Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format
No Balance Sheet Data Available
Standalone annual data is not available for this symbol.
Try switching to Consolidated view.
Shareholding Pattern
Loading shareholding data...
Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
Himani A. Manakiwala | 27 Feb 2025 | 03 Mar 2025 | 6,238 | 241 | ₹1,325 | SELL |
Himani A. Manakiwala | 11 Jun 2025 | 13 Jun 2025 | 4,834 | 450 | ₹1,750 | SELL |
Himani A. Manakiwala | 10 Jun 2025 | 13 Jun 2025 | 5,284 | 500 | ₹1,750 | SELL |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹1588.60 | +₹112.20 | +7.60% |
| R3 | ₹1545.10 | +₹68.70 | +4.65% |
| R2 | ₹1526.80 | +₹50.40 | +3.41% |
| R1 | ₹1501.60 | +₹25.20 | +1.71% |
| PIVOT | ₹1483.30 | 6.90 | 0.47% |
| CURRENT | ₹1476.40 | - | - |
| S1 | ₹1371.10 | -₹105.30 | -7.13% |
| S2 | ₹1414.60 | -₹61.80 | -4.19% |
| S3 | ₹1439.80 | -₹36.60 | -2.48% |
| S4 | ₹1458.10 | -₹18.30 | -1.24% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-36.6% vs avg
0.32L
(04 Mar 2026)Delivery %-0.1% vs avg
57.1%
(04 Mar 2026)Avg Volume (20D)20-day average
0.50L
(04 Feb - 04 Mar)Avg Delivery %Trend ↓
57.1%
(04 Feb - 04 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Manba Finance Ltd
88.20 %
Highest Dividend Yield
Repco Home Finance Ltd
1.59 %
Peer Comparison
| Company Name |
|---|
 Bajaj Finance Ltd |
 Fusion Finance Ltd |
 Indostar Capital Finance Ltd |
 |
 Manba Finance Ltd |
 Paisalo Digital Ltd |
 Repco Home Finance Ltd |
 Satin Creditcare Network Ltd |
 Spandana Sphoorty Financial Ltd |
About
Arman Financial Services Ltd
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.
COMPANY FACTS - ARMANFIN
Registered Address
502-3-4, Sakar III, Opp. Old High Court, Off. Ashram Road
Ahmedabad
GUJARAT
IN
Tel: 917940507000
Website:https://www.armanindia.com/
Investor Relations:http://www.armanindia.com/quaterlyandannualreports.aspx
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 951
IPO Date: 21/08/1995
MANAGEMENT - ARMANFIN
Mr. Alok Prasad
Non-Executive Independent Chairman of the Board
Mr. Jayendra Patel
Chief Executive Officer, Vice Chairman of the Board, Managing Director
Mr. Vivek Modi
Chief Financial Officer
Mr. Uttam Patel
Company Secretary and Compliance Officer
Mr. Aalok Patel
Joint Managing Director, Executive Director
Mr. Aakash Patel
Non-Executive Director
Mrs. Ritaben Patel
Non-Executive Director
Mr. Pinakin Shah
Additional Non-Executive Independent Director
Mr. Yash Shah
Non-Executive Independent Director
Mrs. Geetaben Solanki
Non-Executive Independent Director
Investor Questions Answered
Arman Financial Services Ltd (ARMANFIN) Stock FAQs
Get answers to the most common questions about Arman Financial Services Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Arman Financial Services Ltd (ARMANFIN) is ₹1,476.4. Today, the stock has declined by ₹45.00 (2.96%), trading in a range of ₹1,465 to ₹1,508.5. The stock opened at ₹1,508.5 with a trading volume of 31,979 shares.
Arman Financial Services Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,748.98 crores, P/E ratio of 61.60, ROE of 2.38%, and ROCE of 13.30%. The dividend yield stands at 0.00%. 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.
The 52-week high price of Arman Financial Services Ltd (ARMANFIN) is ₹1,834.6, while the 52-week low is ₹1,109.95. Currently trading at ₹1,476.4, the stock is 50.6% away from its 52-week low and 19.5% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Arman Financial Services Ltd stock at ₹1,476.4 depends on multiple factors. The stock is currently trading with a P/E ratio of 61.60 and P/B ratio of N/A. Today's performance shows a loss of 2.96%. 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.
Arman Financial Services Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹1,476.4, 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.
Arman Financial Services Ltd's key financial metrics include: P/E Ratio: 61.60, P/B Ratio: N/A, ROE: 2.38%, ROCE: 13.30%, Dividend Yield: 0.00%, EPS: ₹26.28, Book Value: ₹833.53, Debt-to-Equity: 1.42, and Current Ratio: N/A. The company's market cap stands at ₹1,748.98 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Arman Financial Services Ltd stock opened at ₹1,508.5 and is currently trading at ₹1,476.4, showing a decline of ₹45.00 (2.96%). The intraday high is ₹1,508.5 and low is ₹1,465. The trading volume stands at 31,979 shares, indicating moderate market participation today.
Arman Financial Services Ltd has a Price-to-Earnings (P/E) ratio of 61.60, which means investors are willing to pay ₹61.60 for every ₹1 of earnings. With an EPS of ₹26.28, 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.
Arman Financial Services Ltd has a market capitalization of ₹1,748.98 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹1,476.4) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Arman Financial Services Ltd has a book value of ₹833.53 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹1,476.4, which is 77.1% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Arman Financial Services Ltd has a Return on Equity (ROE) of 2.38% and Return on Capital Employed (ROCE) of 13.30%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Arman Financial Services Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Arman Financial Services Ltd has a debt-to-equity ratio of 1.42, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 1 suggests the company uses more debt than equity for financing. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Arman Financial Services Ltd has an Earnings Per Share (EPS) of ₹26.28, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹1,476.4 and P/E ratio of 61.60, investors are paying 61.60 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
Arman Financial Services Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Arman Financial Services Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Arman Financial Services Ltd stock, consider: 1) Fundamental Analysis - Review P/E (61.60), ROE (2.38%), debt-to-equity (1.42), and growth rates. 2) Technical Analysis - Check 52-week range (₹1109.95 - ₹1834.60), moving averages, and chart patterns. 3) Valuation - Compare current price (₹1476.40) with book value (₹833.53) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Arman Financial Services Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹1,476.4 is 14664x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Arman Financial Services Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹1109.95 - ₹1834.60). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 1.42 indicates leverage. 4) Liquidity Risk - Based on trading volume of 31,979 shares. 5) Valuation Risk - P/E of 61.60 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Arman Financial Services Ltd operates in the industry with key metrics: P/E ratio of 61.60, ROE of 2.38%, market cap of ₹1,748.98 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 1.42), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Arman Financial Services Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹1,476.4, with a 52-week range of ₹1109.95 to ₹1834.60. Based on fundamentals like P/E (61.60), ROE (2.38%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Arman Financial Services Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹1476.40. 2) Fundamental Deterioration - Declining ROE (currently 2.38%), increasing debt (D/E: 1.42), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Arman Financial Services Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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