Arman Financial Services Limited (BOM:531179)
India
· Delayed Price · Currency is INR | Market Cap | 15.71B |
| Revenue (ttm) | 2.64B |
| Net Income (ttm) | 283.56M |
| Shares Out | 10.51M |
| EPS (ttm) | 26.82 |
| PE Ratio | 55.72 |
| Forward PE | n/a |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 2,306 |
| Average Volume | 1,852 |
| Open | 1,543.00 |
| Previous Close | 1,548.00 |
| Day's Range | 1,479.55 - 1,564.55 |
| 52-Week Range | 1,256.10 - 1,849.95 |
| Beta | 0.06 |
| RSI | 47.60 |
| Earnings Date | May 26, 2026 |
About Arman Financial Services
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. [Read more]
Financial Performance
In fiscal year 2025, Arman Financial Services's revenue was 2.45 billion, a decrease of -29.74% compared to the previous year's 3.49 billion. Earnings were 520.73 million, a decrease of -70.00%.
Financial StatementsNews
Arman Financial Services Transcript: Q3 25/26
AUM grew 7% sequentially to INR 2,274 crore, with strong disbursement momentum and improved asset quality. Profitability rebounded, collection efficiency reached 96.3%, and new products like micro LAP and solar loans are being piloted for future growth.
Arman Financial Services Transcript: Q2 25/26
Asset quality and collection efficiency improved, with impairment costs declining and disbursements rebounding in Q2 FY2026. MSME and LAP segments showed strong growth, while microfinance stabilized. Management remains cautious but optimistic for further recovery and sustainable growth.
Arman Financial Services Transcript: Q1 25/26
Q1 FY26 saw a consolidated loss due to elevated MFI credit costs, but non-MFI segments posted strong growth and stable asset quality. Management expects MFI recovery in H2 FY26, with ongoing structural reforms and strong capital adequacy supporting future growth.
Arman Financial Services Transcript: Q4 24/25
FY25 saw a sharp decline in microfinance profits and AUM due to rural stress and higher provisioning, while MSME and other segments grew robustly. Asset quality improved, but management remains cautious on near-term MFI growth, focusing on stabilization and operational efficiency.
Arman Financial Services Transcript: Q3 24/25
AUM and disbursements declined year-on-year due to sector-wide stress, with increased impairment costs and loan write-offs impacting profitability. The company prioritized asset quality, strengthened underwriting, and maintained strong liquidity, while MSME and LAP segments showed resilience.
Arman Financial Services Transcript: Q2 24/25
Cautious growth and focus on asset quality led to lower disbursements but improved operational efficiency. Rising impairment costs and overleveraging in rural lending impacted profitability, though liquidity remains strong and risk mitigation is prioritized.
Arman Financial Services Transcript: Q1 24/25
Q1 FY25 saw strong AUM and income growth but a 22% drop in PAT due to higher credit costs and lower yields. Asset quality remains under pressure from over-leveraging and external disruptions, but management expects gradual improvement post-Diwali.