Arman Financial Services Limited (ARMANFIN) AI Stock Analysis

• Market Cap: ₹17.55B
• Dividend Yield: N/A
• Average Volume (3M): 1.74K
• Price to Earnings (P/E): 282.7
• Beta (1Y): 1.12
• Revenue Growth: 0.02%
• EPS Growth: -96.51%
• Country: IN
• Employees: 951
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -13.90
• Shares Outstanding: 10,512,921
• 10 Day Avg. Volume: 1,643
• 30 Day Avg. Volume: 1,739
• PEG Ratio: -0.36
• Price to Book (P/B): 1.61
• Price to Sales (P/S): 1.93
• P/FCF Ratio: 3.01
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: ₹1,843.00 ▲(12.50% Upside)

Arman Financial Services Limited shows strong technical momentum and improving financial performance, which are positive indicators. However, the high P/E ratio suggests overvaluation, which is a significant risk. The lack of earnings call data and corporate events limits additional insights.

Arman Financial Services Limited Business Overview & Revenue Model

Company Description

Arman Financial Services Limited (ARMANFIN) is a financial services company that specializes in providing a wide range of financial products and services, including investment advisory, asset management, and wealth management solutions. The company operates primarily in the financial sector, catering to both individual and institutional clients. ARMANFIN focuses on delivering tailored financial strategies and investment opportunities to help clients achieve their financial goals.

How the Company Makes Money

Arman Financial Services Limited generates revenue through several key streams. The company earns fees from investment advisory services, where clients pay for expert guidance on asset allocation and portfolio management. Additionally, ARMANFIN charges management fees for overseeing investment funds, which are typically a percentage of the assets under management (AUM). Performance fees may also apply, particularly in hedge fund structures, where the company takes a percentage of profits above a predetermined benchmark. Furthermore, ARMANFIN may engage in partnerships with financial institutions to offer co-branded products, earning referral fees or commissions on sales. The company also benefits from interest income on financial products and services offered to clients, contributing to its overall earnings.

Arman Financial Services Limited Financial Statement Overview

Summary

Arman Financial Services Limited demonstrates strong revenue growth and improving cash flows, which are positive indicators of future potential. However, the high debt levels present a challenge that the company must manage carefully. Overall, the financial health is good but requires vigilance in maintaining profitability and reducing leverage.

Income Statement

Arman Financial Services Limited shows strong revenue growth with a significant increase from the previous year. The gross profit margin is robust, suggesting efficient cost management. However, the net profit margin is moderate, indicating room for improvement in overall profitability.

Balance Sheet

The company's debt-to-equity ratio is high, reflecting a heavy reliance on debt financing which could pose a risk in interest rate hikes or economic downturns. However, the increase in stockholders' equity is a positive sign of improving financial stability.

Cash Flow

The operating cash flow has improved significantly, turning positive after a previous negative trend, indicating better cash management. The free cash flow is healthy, suggesting good liquidity, although the company should focus on sustaining this trend to ensure long-term stability.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	6.17B	7.30B	3.49B	4.24B	2.23B	1.88B
Gross Profit	2.70B	2.45B	2.79B	1.68B	957.61M	763.56M
EBITDA	2.26B	3.35B	2.30B	1.26B	465.90M	126.32M
Net Income	61.85M	520.73M	1.74B	938.11M	317.23M	106.16M
Balance Sheet
Total Assets	0.00	22.27B	26.35B	20.38B	12.41B	9.40B
Cash, Cash Equivalents and Short-Term Investments	0.00	4.03B	5.32B	4.53B	1.42B	1.54B
Total Debt	0.00	12.32B	17.25B	16.04B	9.90B	7.21B
Total Liabilities	-8.74B	13.53B	18.22B	16.72B	10.29B	7.54B
Stockholders Equity	8.74B	8.74B	8.13B	3.66B	2.13B	1.87B
Cash Flow
Free Cash Flow	0.00	4.67B	-3.05B	-7.20B	-2.82B	54.70M
Operating Cash Flow	0.00	4.93B	-3.02B	-7.18B	-2.81B	59.12M
Investing Cash Flow	0.00	-488.04M	183.80M	-126.16M	-19.68M	15.20M
Financing Cash Flow	0.00	-4.95B	3.76B	6.81B	2.70B	221.97M

Arman Financial Services Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1638.25
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:ARMANFIN, the sentiment is Positive. The current price of 1638.25 is above the 20-day moving average (MA) of 1607.76, above the 50-day MA of 1508.32, and above the 200-day MA of 1493.24, indicating a bullish trend. The MACD of 48.11 indicates Negative momentum. The RSI at 57.76 is Neutral, neither overbought nor oversold. The STOCH value of 61.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:ARMANFIN.

Arman Financial Services Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TFCILTD	―	₹33.13B	30.40	―	0.85%	7.91%	16.20%
ARMANFIN	―	₹17.55B	282.70	―	―	0.02%	-96.51%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MUTHOOTMF	―	₹28.82B	5.34	―	―	―	―
PAISALO	―	₹34.92B	16.93	―	0.26%	13.28%	-6.07%
UGROCAP	―	₹20.62B	11.43	―	―	34.09%	17.49%
SPANDANA	―	₹21.43B	26.37	―	―	-26.77%	-431.45%

Arman Financial Services Limited Corporate Events

Arman Financial Services Announces AGM and E-Voting Procedures

Arman Financial Services Limited has announced the submission of newspaper advertisements related to its 33rd Annual General Meeting (AGM) and e-voting procedures, in compliance with SEBI regulations. This announcement highlights the company’s adherence to regulatory requirements and ensures transparency for its stakeholders, reinforcing its commitment to corporate governance.

Arman Financial Services Releases Q2 2025 Financial Performance Presentation

Arman Financial Services Limited has released an investor presentation detailing its financial performance for the quarter ending June 30, 2025. This announcement, made in compliance with SEBI regulations, highlights the company’s financial results and is intended to keep investors informed about its operational and financial health.

Arman Financial Services Reports Q1 2025-26 Financial Results Amid Industry Challenges

Arman Financial Services Limited announced its unaudited financial results for the quarter ended June 30, 2025, showing a decline in key financial metrics. The company reported a 16.9% decrease in Assets Under Management (AUM) and an 18.1% drop in Gross Total Income year-on-year, attributed to challenges in the microfinance sector. Despite these declines, the company has focused on maintaining portfolio quality over rapid expansion.

Arman Financial Services to Attend Investor Conference in Mumbai

Arman Financial Services Limited has announced that its officials will participate in an Investor Conference organized by Equirus Securities in Mumbai on August 20, 2025. The meeting will involve discussions based on publicly available information, ensuring no unpublished price-sensitive information is disclosed. This engagement reflects the company’s commitment to maintaining transparency with its investors and stakeholders.

Arman Financial Services Schedules Q1 FY26 Earnings Call

Arman Financial Services Limited has announced a conference call scheduled for August 14, 2025, where the senior management will discuss the unaudited financial results for the quarter ended June 30, 2025. This call aims to engage with stakeholders, providing insights into the company’s financial performance and strategic direction, potentially impacting its market positioning and stakeholder relations.