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Arman Financial Services Limited (IN:ARMANFIN)
:ARMANFIN
ARMANFIN Stock Chart & Stats
₹1553.20
-₹2.95(-0.23%)
At close: 4:00 PM EST
₹1553.20
-₹2.95(-0.23%)
Day’s Range― - ―
52-Week Range₹1,111.00 - ₹1,849.95
Previous CloseN/A
Volume21.61K
Average Volume (3M)1.74K
Market Cap
₹14.35B
Enterprise Value₹25.05B
Total Cash (Recent Filing)₹4.45B
Total Debt (Recent Filing)₹11.97B
Price to Earnings (P/E)18.4
Beta1.07
Next Earnings
Jun 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)21.10
Shares Outstanding10,512,921
10 Day Avg. Volume1,643
30 Day Avg. Volume1,739
Financial Highlights & Ratios
PEG Ratio-0.36
Price to Book (P/B)1.61
Price to Sales (P/S)2.28
P/FCF Ratio3.01
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improving Operating Cash FlowSustained positive operating cash flow indicates the company is generating cash from core lending operations rather than relying solely on new financing. Over 2-6 months this enhances liquidity, lowers refinancing pressure, and supports loan book growth, provisioning and organic capital needs.
Rising Shareholders' EquityAn increase in equity strengthens the capital base, improves loss-absorption capacity and regulatory buffers for an NBFC. This durable cushion reduces reliance on external debt, supports continued credit origination, and provides flexibility to withstand macro stress over the medium term.
Robust Gross Margin / Revenue MomentumConsistent revenue expansion coupled with strong gross margins suggests efficient origination and underwriting in the microfinance/small-ticket lending model. This supports sustainable net interest income generation and provides operational leverage as the branch-led distribution scales over multiple quarters.
Bears Say
High LeverageElevated leverage makes the firm vulnerable to rising funding costs or market dislocations. For an NBFC, high debt increases interest expense and refinancing risk, constraining capital flexibility, limiting growth without new equity, and amplifying stress during economic or credit cycles over the medium term.
Sharp EPS DeclineA material drop in EPS erodes retained earnings and reduces internal capital for lending expansion. Persistently weak earnings can signal higher provisions, margin compression, or one-off losses, undermining profitability resilience and limiting the company's ability to self-finance growth or absorb credit shocks.
Recent Revenue ContractionNegative top-line growth weakens scale economics for a branch-led lender, pressuring net interest income and operating leverage. Continued revenue contraction can strain margins and cash flow, making debt servicing harder and reducing capacity to invest in originations or absorb higher credit costs.
Arman Financial Services Limited News
ARMANFIN FAQ
What was Arman Financial Services Limited’s price range in the past 12 months?
Arman Financial Services Limited lowest stock price was ₹1111.00 and its highest was ₹1849.95 in the past 12 months.
What is Arman Financial Services Limited’s market cap?
Arman Financial Services Limited’s market cap is ₹14.35B.
When is Arman Financial Services Limited’s upcoming earnings report date?
Arman Financial Services Limited’s upcoming earnings report date is Jun 01, 2026 which is in 77 days.
How were Arman Financial Services Limited’s earnings last quarter?
Arman Financial Services Limited released its earnings results on Feb 12, 2026. The company reported ₹21.1 earnings per share for the quarter, beating the consensus estimate of N/A by ₹21.1.
Is Arman Financial Services Limited overvalued?
According to Wall Street analysts Arman Financial Services Limited’s price is currently Overvalued.
Does Arman Financial Services Limited pay dividends?
Arman Financial Services Limited pays a Annually dividend of ₹1.4 which represents an annual dividend yield of N/A. See more information on Arman Financial Services Limited dividends here
What is Arman Financial Services Limited’s EPS estimate?
Arman Financial Services Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Arman Financial Services Limited have?
Arman Financial Services Limited has 10,512,921 shares outstanding.
What happened to Arman Financial Services Limited’s price movement after its last earnings report?
Arman Financial Services Limited reported an EPS of ₹21.1 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.882%.
Which hedge fund is a major shareholder of Arman Financial Services Limited?
Currently, no hedge funds are holding shares in IN:ARMANFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Arman Financial Services Limited
Arman Financial Services Limited, together with its subsidiary, Namra Finance Limited, operates as a non-banking finance company in India. It offers financing for the purchase of two and three wheelers. The company also provides loans to micro, small, and medium enterprises; and group based microfinance services. It operates through a network of 239 branches and approximately 55 dealer touchpoints. The company was incorporated in 1992 and is headquartered in Ahmedabad, India.
Technical Analysis
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