Want to see IN:ARMANFIN full AI Analyst Report?
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₹1,256.10 - ₹1,903.15
Previous CloseN/A
Volume21.61K
Average Volume (3M)1.74K
Market Cap
₹17.84B
Enterprise Value₹34.30B
Total Cash (Recent Filing)₹4.45B
Total Debt (Recent Filing)₹11.97B
Price to Earnings (P/E)31.6
Beta1.16
Next Earnings
Aug 19, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-1.04
Shares Outstanding10,514,761
10 Day Avg. Volume1,643
30 Day Avg. Volume1,739
Financial Highlights & Ratios
PEG Ratio2.92
Price to Book (P/B)1.51
Price to Sales (P/S)2.32
P/FCF Ratio-2.94
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
Multi-year Revenue Expansion And ScaleSustained revenue expansion through 2024 indicates the company built meaningful scale and product-market fit in its lending franchises. That prior multi-year growth supports durable loan-book and fee-base expansion potential, enabling operating leverage and branch/distribution economics over the medium term.
Improved Leverage Profile Through 2025A material reduction in leverage through 2025 enhances resilience to funding stress and reduces near-term refinancing pressure. Improved capital structure can lower funding costs and create capacity for measured growth or cushioning against credit shocks, strengthening long-term solvency if maintained.
Retail-focused NBFC Model With Branch NetworkA focused retail and small-borrower franchise with branch and distribution reach yields a granular loan book and recurring demand from underbanked segments. This business mix supports diversification of credit risk, repeated customer flows, and cross-sell opportunities that underpin steady structural revenue generation.
Bears Say
Volatile And Weak Cash GenerationHighly inconsistent cash conversion signals earnings quality and liquidity risk concerns. Persistent swings between cash deficits and one-off positive years increase reliance on external funding, constrain reinvestment capacity, and raise execution risk for sustaining growth and meeting regulatory or covenant needs.
Earnings Volatility And Recent Net Income DeclineA sharp post-2024 decline in net income reduces retained earnings accumulation and weakens the internal capital generation needed for organic growth and loss-absorption. Ongoing earnings volatility increases sensitivity to margin compression, credit cost swings, and undermines predictability of future profitability.
Debt Increased Again In 2026, Keeping Leverage SensitivityThe 2026 step-up in debt reverses some deleveraging progress and leaves the company exposed to higher interest and refinancing risk. In a rate-sensitive environment, elevated debt limits strategic flexibility, raises financing costs, and can amplify stress if earnings or cash flow remain inconsistent.
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 ₹1256.10 and its highest was ₹1903.15 in the past 12 months.
What is Arman Financial Services Limited’s market cap?
Arman Financial Services Limited’s market cap is ₹17.84B.
When is Arman Financial Services Limited’s upcoming earnings report date?
Arman Financial Services Limited’s upcoming earnings report date is Aug 19, 2026 which is in 48 days.
How were Arman Financial Services Limited’s earnings last quarter?
Arman Financial Services Limited released its earnings results on May 27, 2026. The company reported ₹39.06 earnings per share for the quarter, beating the consensus estimate of N/A by ₹39.06.
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 10,514,761 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 ₹39.06 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.925%.
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, operating in India alongside its subsidiary Namra Finance Limited, functions as a non-banking financial company. The firm's core business involves offering financing solutions for individuals purchasing two- and three-wheeled vehicles. Beyond this, it extends credit facilities to micro, small, and medium-sized enterprises (MSMEs), and provides group-based microfinance services. The company, which was founded in 1992 and has its headquarters in Ahmedabad, India, maintains a substantial operational footprint through its network of 239 branches and approximately 55 dealer access points.
Technical Analysis
Muthoot Microfin Ltd
―
Paisalo Digital Ltd.
―
Spandana Sphoorty Financial Ltd.
―
Tourism Finance Corporation of India Limited
―
Ugro Capital Limited
―