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
₹15.49B
Enterprise Value₹26.08B
Total Cash (Recent Filing)₹4.45B
Total Debt (Recent Filing)₹11.97B
Price to Earnings (P/E)18.4
Beta1.10
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
Improved Cash Flow GenerationOperating cash flow turning positive and healthy free cash flow indicate the company is converting underwriting and collections into real liquidity. Over 2-6 months this supports internal funding of the loan book, reduces reliance on short-term refinancing, and provides flexibility for deleveraging or targeted growth investments while absorbing credit volatility.
Niche Microfinance Business ModelA focused microfinance and small-ticket lending model targeting underbanked households and small businesses creates durable demand and customer stickiness. The branch-led, field-originated distribution entrenches local presence and credit access, aligning with long-run financial inclusion trends and producing predictable net interest income if credit performance is managed.
Robust Gross Margins And Improving EquityA robust gross margin points to effective pricing and cost control on lending operations, while rising stockholders' equity strengthens the capital base. Together these factors improve resilience to credit shocks, support regulatory capital buffers, and give management scope to expand lending or absorb provisioning without immediate external capital raises.
Bears Say
High Leverage And Debt RelianceElevated leverage increases sensitivity to interest-rate moves and refinancing cycles, raising funding cost and liquidity risk. For an NBFC, heavy debt reliance constrains balance-sheet flexibility, magnifies earnings volatility if spreads compress, and heightens vulnerability in an economic downturn when credit losses and funding stress can coincide.
Declining Revenue And Earnings TrendsNegative top-line and sharply falling EPS over recent periods signal weakening operational momentum or margin pressure. Persisting declines reduce internal capital generation, limit capacity to expand the loan book organically, and erode buffers against credit costs, making it harder to improve leverage and sustain investment without external funding.
Moderate Net Margins And Operating Efficiency PressureModerate net margins combined with a branch-led, field-intensive origination model imply higher operating costs per loan. Small-ticket lending has inherent servicing and staff costs; unless productivity or digital/scale efficiencies improve, margin expansion will be difficult and profitability will remain sensitive to funding costs and credit-quality deterioration.
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 ₹15.49B.
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 55 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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