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Arman Financial Services Limited (IN:ARMANFIN)
:ARMANFIN
India Market

Arman Financial Services Limited (ARMANFIN) Ratios

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Arman Financial Services Limited Ratios

IN:ARMANFIN's free cash flow for Q2 2026 was ₹0.41. For the 2026 fiscal year, IN:ARMANFIN's free cash flow was decreased by ₹ and operating cash flow was ₹0.29. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
3.54K 1.69 1.85 1.64 1.31
Quick Ratio
3.54K 1.69 1.85 1.64 1.31
Cash Ratio
212.32 0.07 0.10 0.03 0.11
Solvency Ratio
0.02 0.04 0.10 0.06 0.03
Operating Cash Flow Ratio
141.57 0.51 -0.25 -0.72 -0.41
Short-Term Operating Cash Flow Coverage
0.00 0.58 -0.27 -0.77 -0.43
Net Current Asset Value
₹ 7.42B₹ 2.91B₹ 3.89B₹ -393.85M₹ -1.33B
Leverage Ratios
Debt-to-Assets Ratio
0.56 0.55 0.65 0.79 0.80
Debt-to-Equity Ratio
1.37 1.41 2.12 4.39 4.65
Debt-to-Capital Ratio
0.58 0.58 0.68 0.81 0.82
Long-Term Debt-to-Capital Ratio
0.58 0.30 0.43 0.65 0.62
Financial Leverage Ratio
2.47 2.55 3.24 5.57 5.84
Debt Service Coverage Ratio
0.00 0.06 0.16 0.10 0.05
Interest Coverage Ratio
0.00 2.13K 2.37K 1.33K 111.91
Debt to Market Cap
0.75 0.88 0.99 1.42 1.18
Interest Debt Per Share
1.14K 1.18K 1.94K 1.89K 1.17K
Net Debt to EBITDA
5.61 16.41 7.00 12.50 19.62
Profitability Margins
Gross Profit Margin
41.61%46.13%44.98%43.14%42.97%
EBIT Margin
32.09%11.22%38.90%32.19%20.48%
EBITDA Margin
32.40%11.51%39.14%32.48%20.91%
Operating Profit Margin
32.09%31.35%32.91%34.18%26.15%
Pretax Profit Margin
8.10%11.20%38.89%32.16%20.43%
Net Profit Margin
4.79%8.44%29.59%24.15%14.24%
Continuous Operations Profit Margin
4.79%8.44%29.59%24.15%14.24%
Net Income Per EBT
59.16%75.37%76.10%75.08%69.69%
EBT Per EBIT
25.25%35.74%118.15%94.10%78.11%
Return on Assets (ROA)
1.32%2.34%6.59%4.60%2.56%
Return on Equity (ROE)
3.25%5.96%21.36%25.65%14.92%
Return on Capital Employed (ROCE)
8.82%15.44%13.42%12.74%10.49%
Return on Invested Capital (ROIC)
5.22%6.91%5.78%5.05%3.37%
Return on Tangible Assets
1.32%2.34%6.59%4.60%2.56%
Earnings Yield
1.78%3.70%10.00%8.31%3.77%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.30
Payables Turnover
604.58 267.49 162.53 144.89 82.05
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
18.37 19.93 79.60 67.42 49.32
Asset Turnover
0.27 0.28 0.22 0.19 0.18
Working Capital Turnover Ratio
0.59 0.73 0.71 0.92 1.01
Cash Conversion Cycle
-0.60 -1.36 -2.25 -2.52 1.20K
Days of Sales Outstanding
0.00 0.00 0.00 0.00 1.21K
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.60 1.36 2.25 2.52 4.45
Operating Cycle
0.00 0.00 0.00 0.00 1.21K
Cash Flow Ratios
Operating Cash Flow Per Share
77.04 470.06 -339.74 -845.08 -330.63
Free Cash Flow Per Share
76.59 445.86 -342.41 -847.86 -331.66
CapEx Per Share
0.45 24.20 2.67 2.78 1.03
Free Cash Flow to Operating Cash Flow
0.99 0.95 1.01 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
171.46 19.42 -127.35 -303.96 -321.21
Capital Expenditure Coverage Ratio
171.46 19.42 -127.35 -303.96 -321.21
Operating Cash Flow Coverage Ratio
0.07 0.40 -0.18 -0.45 -0.28
Operating Cash Flow to Sales Ratio
0.14 0.80 -0.52 -1.85 -1.26
Free Cash Flow Yield
5.04%33.22%-17.55%-63.78%-33.47%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
56.23 27.02 10.00 12.03 26.52
Price-to-Sales (P/S) Ratio
2.70 2.28 2.96 2.91 3.78
Price-to-Book (P/B) Ratio
1.83 1.61 2.14 3.09 3.96
Price-to-Free Cash Flow (P/FCF) Ratio
19.86 3.01 -5.70 -1.57 -2.99
Price-to-Operating Cash Flow Ratio
19.72 2.86 -5.74 -1.57 -3.00
Price-to-Earnings Growth (PEG) Ratio
0.02 -0.36 0.13 0.06 0.13
Price-to-Fair Value
1.83 1.61 2.14 3.09 3.96
Enterprise Value Multiple
13.95 36.23 14.56 21.45 37.68
Enterprise Value
26.73B 25.72B 33.43B 27.07B 17.55B
EV to EBITDA
13.95 36.23 14.56 21.45 37.68
EV to Sales
4.52 4.17 5.70 6.97 7.88
EV to Free Cash Flow
33.24 5.50 -10.97 -3.76 -6.23
EV to Operating Cash Flow
33.05 5.22 -11.05 -3.77 -6.25
Tangible Book Value Per Share
830.69 833.76 912.70 430.22 250.07
Shareholders’ Equity Per Share
830.69 834.05 913.03 430.62 250.51
Tax and Other Ratios
Effective Tax Rate
0.41 0.25 0.24 0.25 0.30
Revenue Per Share
563.52 588.24 658.95 457.51 262.48
Net Income Per Share
27.01 49.67 195.00 110.47 37.36
Tax Burden
0.59 0.75 0.76 0.75 0.70
Interest Burden
0.25 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.06 0.02 0.01 0.01 0.02
Stock-Based Compensation to Revenue
0.02 0.01 0.01 <0.01 <0.01
Income Quality
-5.16 9.46 -1.33 -7.65 -6.17
Currency in INR