ARMAN FIN SERV LTD·NBFC 52.84MICRO FINANCE MFI 70.29·Finance Companies

2026-08-21 NSE BSE Web Result 12 Aug

Price

1,966.7

-0.33%
O:1968
H:1995
L:1957
C:1966.7

52W Range

13012158.6
+51%/-9%

Market Cap

₹2,067.94 Cr

Traded: ₹4.89 Cr (0.24%) 0.0x

Free Float: ₹1,334.44 Cr (0.37% of FF traded)

Volume · 60D trend

24.78 K 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:+1% 3M:+16% 6M:+27% 12M:+33%

Valuation

P/E17.8
P/B2.2
P/S--
EV/EBIT--

Business Strength

ROE6.2%
ROCE13.3%
OPM--
NPM--

Growth (3Y CAGR)

EPS+8.5%
Sales+15.0%
Profit-16.0%
3Y Return+5.0%

Balance Sheet

Debt/Equity1.9
Debt1,776 Cr
Pledge0.0%
CWIP/Fixed Asset9.4%

Cash Position

CFO/NP--
FCF467 Cr
FCF 3Y Avg630 Cr
Cash/MCap21.0%

Others

Div Yield0.0%
Div Payout0.0%
Cash Conv. Cycle--
Tradeable Free Float64.5%

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 18.51 Cr
1.39% FF
60d high
₹ 21.47 Cr
60d low
₹ 14.29 Cr
60d mean
₹ 18.62 Cr
vs mean
▼ 0.62%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Return
+23.0%
+24.0%
+5.0%
+18.0%
--
Stable
ROE
+15.0%
+14.0%
+12.0%
--
--
Decelerating
Sales
+32.0%
+27.0%
+15.0%
--
-12.0%
Decelerating
Profit
+22.0%
+40.0%
-16.0%
--
+9.0%
Stable

Quarterly Results

Jun 2026

12 Aug
Rev
--
+34% YoY--
OPM--
NPM--
PAT
--45 Cr
EPS
--43.0

Mar 2026

28 May
Rev
--
-12% YoY--
OPM--
NPM--
PAT
+221% YoY41 Cr
EPS
+221% YoY39.0

Dec 2025

13 Feb
Rev
--
-3% YoY--
OPM--
NPM--
PAT
+406% YoY22 Cr
EPS
+405% YoY21.1

Sep 2025

PDF
Rev
--
-12% YoY--
OPM--
NPM--
PAT
-48% YoY8 Cr
EPS
-48% YoY7.6

Jun 2025

PDF
Rev
--
-18% YoY--
OPM--
NPM--
PAT
-147% YoY-15 Cr
EPS
-147% YoY-13.9

Mar 2025

PDF
Rev
--
+9% YoY--
OPM--
NPM--
PAT
-75% YoY13 Cr
EPS
-75% YoY12.2

Dec 2024

PDF
Rev
--
-2% YoY--
OPM--
NPM--
PAT
-117% YoY-7 Cr
EPS
-116% YoY-6.9

Sep 2024

PDF
Rev
--
+13% YoY--
OPM--
NPM--
PAT
-63% YoY15 Cr
EPS
-69% YoY14.6

Jun 2024

PDF
Rev
--
+23% YoY--
OPM--
NPM--
PAT
-22% YoY31 Cr
EPS
-36% YoY29.9

Mar 2024

PDF
Rev
--
+22% YoY--
OPM--
NPM--
PAT
+40% YoY51 Cr
EPS
+14% YoY48.5

Dec 2023

PDF
Rev
--
+64% YoY--
OPM--
NPM--
PAT
+91% YoY42 Cr
EPS
+66% YoY42.9

Sep 2023

PDF
Rev
--
+73% YoY--
OPM--
NPM--
PAT
+105% YoY41 Cr
EPS
+100% YoY46.9

Jun 2023

PDF
Rev
--
+89% YoY--
OPM--
NPM--
PAT
+154% YoY40 Cr
EPS
--47.0

Mar 2023

Rev
--
----
OPM--
NPM--
PAT
+122% YoY36 Cr
EPS
--42.6

Dec 2022

Rev
--
----
OPM--
NPM--
PAT
+213% YoY22 Cr
EPS
--25.9

Sep 2022

Rev
--
----
OPM--
NPM--
PAT
+311% YoY20 Cr
EPS
--23.5

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage--x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow--
Investing Cash Flow--
Financing Cash Flow--
Free Cash Flow467 Cr

Detailed Financials

Jun 2026PDF ↗
Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023
Dec 2022
Sep 2022
Sales--------------------------------
Expenses80808091110134114937855423435372930
Operating Profit--------------------------------
OPM %--------------------------------
Other Income0000000000000000
Interest64535150525257656563716764634436
Depreciation0000000000000000
Profit Before Tax57422918-1113-7224165555850492927
Tax %21.0%3.0%22.0%55.0%31.0%-1.0%5.0%32.0%24.0%21.0%24.0%30.0%20.0%26.0%25.0%25.4%
Net Profit4541228-1513-7153151424140362220
Exceptional Items--------------------------------
EPS (Rs)43.039.021.17.6-13.912.2-6.914.629.948.542.946.947.042.625.923.5
Sales Growth (YoY)33.6%-11.9%-2.9%-12.3%-18.1%9.0%-2.4%13.2%23.4%22.5%63.8%73.0%89.5%------
Sales Growth (QoQ)--------------------------------
OP Growth (YoY)--------------------------------
OP Growth (QoQ)--------------------------------
Profit Growth (YoY)--221.0%406.0%-48.0%-147.0%-75.0%-117.0%-63.0%-22.0%40.0%91.0%105.0%154.0%122.0%213.0%310.7%
EPS Growth (YoY)--220.8%404.9%-47.8%-146.5%-74.9%-116.1%-68.9%-36.5%13.8%65.8%99.7%--------
EPS Growth (QoQ)--84.9%177.6%154.7%-214.3%275.7%-147.5%-51.3%-38.4%13.1%-8.4%-0.3%10.3%64.7%10.3%--
OP Margin--------------------------------
Net Margin--------------------------------
Material Cost %--------------------------------
Employee Cost %--23.6%24.3%22.9%22.1%16.2%17.0%15.0%13.5%11.7%10.6%10.8%10.0%9.5%13.7%14.8%
P/S--------------------------------
P/E17.7737.3766.83--------------------------
P/B2.212.262.171.89------------------------

Shareholding Pattern

Shareholders:33.8K (+201.5%)
Current MixMar 2026

Exchange Filings

50
Company Update20 Aug 2026

Earnings Call Transcript for Q1 FY 2026-27

Company Update13 Aug 2026

Analyst / Investor Meet Outcome Attached.

Company Update13 Aug 2026

Newspaper Publication on Financial Results for Q1 FY 2026-27

Company Update13 Aug 2026

Investor Presentation for Q1 FY 2026-27.

Company Update12 Aug 2026

Press Release on Q1 FY 2026-27: Financial Results

Company Update12 Aug 2026

Change in Management - SMP

Company Update12 Aug 2026

Statement of Material Deviation for the Quarter ended on June 30, 2026.

Others12 Aug 2026

Asset Cover for quarter ended on June 30, 2026.

Company Update12 Aug 2026

Intimation regarding Grant of ESOP Pursuant to "Arman - Employee Stock Option Plan 2023".

Board Meeting12 Aug 2026

Financial Results for the Quarter ended on June 30, 2026

Company Update07 Aug 2026

Analyst / Investor Meet Intimation for Q1 FY 2026-27.

Company Update07 Aug 2026

Analyst/ Investor Meet Intimation for meetings dated August 14, 2026.

Board Meeting06 Aug 2026

Arman Financial Services Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 12/08/2026 ,inter alia, to consider and approve Unaudited Finacial ....

Others05 Aug 2026

Interest payment Intimation

Others29 Jul 2026

CERTIFICATE OF INTEREST PAYMENT

Company Update11 Jul 2026

Newspaper advertisement in respect of the transfer of shares to IEPFA & Information for Special window for Transfer and Dematerialization of Physical Shares.

Company Update11 Jul 2026

Newspaper advertisement in respect of the transfer of shares to IEPF & Information for and Special Window for Transfer and Dematerialization of Physical Shares

Others10 Jul 2026

Certificate of Interest Payment

Company Update09 Jul 2026

Certificate under Regulation 74(5) of SEBI (DP) Regualtions, 2018

Others03 Jul 2026

Certificate of Interest Payment

Others26 Jun 2026

Certificate of Interest Payment

Insider Trading / SAST26 Jun 2026

Trading Window Closure for Q1, 2026-2027.

Company Update09 Jun 2026

Intimation of Appointment of Senior Management Personnel and Reconstitution of Board Committees.

Others05 Jun 2026

Certificate of Interest and Principal Payment

Others05 Jun 2026

Certificate of Interest Payment

Company Update30 May 2026

Change in Senior Management Personnel - Letter of Resignation

Company Update29 May 2026

Analyst / Investor Meet Outcome Attached.

Company Update28 May 2026

Investor Presentation on Financial Performance of Q4 FY 2025-26.

Company Update28 May 2026

Newspaper Publication on Financial Results for Q4 FY 2025-26.

Company Update28 May 2026

Press Release on Q4 FY 2025-26 : Financial Results

Company Update28 May 2026

Annual Secretarial Compliance Report for FY 2025-26.

Company Update27 May 2026

Redesignation of Mr. Uttam Patel from Company Secretary & Compliance Officer to Company Secretary & Chief Compliance Officer.

Company Update27 May 2026

Statement of Material Deviation

Others27 May 2026

Asset Cover under Regulation 54 of SEBI (LODR) Regulations, 2015.

Board Meeting27 May 2026

Board meeting Outcome for Meeting held on May 27, 2026, for quarter and period ended on March 31, 2026.

Result27 May 2026

Financial Results as of March 31, 2026

Company Update25 May 2026

Analyst / Investor Meet Intimation for Q4 FY 2025-26.

Board Meeting21 May 2026

Arman Financial Services Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 27/05/2026 ,inter alia, to consider and approve the audited financial ....

Company Update14 May 2026

Allotment of Shares pursuant to ESOP 2016 and ESOP Plan 2023.

Company Update06 May 2026

Income Tax order under section 250 of the Income-tax Act, 1961.

Others05 May 2026

Certificate of Interest Payment

Company Update04 May 2026

Second 100-days Campaign on "Saksham Niveshak"

Others30 Apr 2026

<b>Format of Initial Disclosure to be made by an entity identified as a Large Corporate.</b><br/><br/> <table border=''1px''><tr> <td><b>Sr. No.</b></td> <td><b>Particulars</b></td> <td><b>Details</b></td> ....

Others30 Apr 2026

<b>Format of Initial Disclosure to be made by an entity identified as a Large Corporate.</b><br/><br/> <table border=''1px''><tr> <td><b>Sr. No.</b></td> <td><b>Particulars</b></td> <td><b>Details</b></td> ....

Company Update30 Apr 2026

Annual Disclosures of O/s Debentures for FY 2025-26

Others29 Apr 2026

Certificate of Interest Payment

Insider Trading / SAST10 Apr 2026

The Exchange has received the disclosure under Regulation 29(2) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 for Elevation Capital V Ltd

AGM/EGM10 Apr 2026

Scrutinizer Report dated April 10, 2026.

AGM/EGM10 Apr 2026

Outcome of Postal Ballot

Company Update07 Apr 2026

Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018

Annual Reports

15

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

2014

2013

2012

2011

Credit Ratings

6
careRating update
31 Dec 2025Report
smeraRating update
26 Dec 2025Report
smeraRating update
28 Nov 2025Report
smeraRating update
30 Oct 2025Report
smeraRating update
smeraRating update

Concalls

41

Feb 2026

28 Feb 2026

Nov 2025

30 Nov 2025

Aug 2025

31 Aug 2025

Jun 2025

30 Jun 2025

Feb 2025

28 Feb 2025

Feb 2025

28 Feb 2025

Nov 2024

30 Nov 2024

Nov 2024

30 Nov 2024

Aug 2024

31 Aug 2024

Aug 2024

31 Aug 2024

Jun 2024

30 Jun 2024

Feb 2024

29 Feb 2024

Nov 2023

30 Nov 2023

Aug 2023

31 Aug 2023

Jun 2023

30 Jun 2023

Feb 2023

28 Feb 2023

Nov 2022

30 Nov 2022

Aug 2022

31 Aug 2022

Jun 2022

30 Jun 2022

Feb 2022

28 Feb 2022

Nov 2021

30 Nov 2021

Aug 2021

31 Aug 2021

Jun 2021

30 Jun 2021

Mar 2021

31 Mar 2021

Feb 2021

28 Feb 2021

Nov 2020

30 Nov 2020

Sep 2020

30 Sept 2020

Jul 2020

31 Jul 2020

Feb 2020

29 Feb 2020

May 2019

31 May 2019

Feb 2019

28 Feb 2019

Aug 2018

31 Aug 2018

May 2018

31 May 2018

Feb 2018

28 Feb 2018

Aug 2017

31 Aug 2017

May 2017

31 May 2017

Feb 2017

28 Feb 2017

Aug 2016

31 Aug 2016

May 2016

31 May 2016

Feb 2016

29 Feb 2016

Aug 2015

31 Aug 2015

Held by Mutual Funds

5 schemes hold ARMANFIN · sorted by weight

#SchemeWeight %
1

WhiteOak Capital Special Opportunities Fund

WhiteOak Capital Mutual Fund

0.33%
2

WhiteOak Capital Flexi Cap Fund

WhiteOak Capital Mutual Fund

0.07%
3

WhiteOak Capital Multi Cap Fund

WhiteOak Capital Mutual Fund

0.05%
4

Groww Banking & Financial Services Fund

Groww Mutual Fund

0.89%
5

WhiteOak Capital ELSS Tax Saver Fund

WhiteOak Capital Mutual Fund

0.10%