Arman Financial Services Limited (ARMANFIN) AI Stock Analysis

• Market Cap: ₹15.93B
• Dividend Yield: N/A
• Average Volume (3M): 3.42K
• Price to Earnings (P/E): 246.6
• Beta (1Y): 1.06
• Revenue Growth: 0.02%
• EPS Growth: -96.51%
• Country: IN
• Employees: 951
• Sector: Financial
• Sector Strength: 69
• Industry: Financial - Credit Services
• EPS (TTM): -13.90
• Shares Outstanding: 10,491,688
• 10 Day Avg. Volume: 6,396
• 30 Day Avg. Volume: 3,420
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ₹1,718.00
• Price Target Upside: 17.93% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 60 Neutral
• Price Target: ₹1,718.00 ▲(17.93% Upside)

The most significant factor is the company's financial performance, highlighted by strong revenue growth and improving cash flows. However, high debt levels and weak technical indicators weigh on its overall score. The stock's valuation suggests it may be overvalued, further impacting its appeal.

Arman Financial Services Limited Business Overview & Revenue Model

Company Description

Arman Financial Services Limited (ARMANFIN) is a financial services company operating primarily in the microfinance sector. The company provides a range of financial products and services aimed at underserved segments of the population, including micro-loans, two-wheeler loans, and group loans. Arman Financial Services is committed to promoting financial inclusion and empowering individuals and small businesses by providing them with access to credit and financial services.

How the Company Makes Money

Arman Financial Services Limited generates revenue primarily through the interest and fees charged on the loans it provides to its customers. The company offers micro-loans, which are small, unsecured loans designed to meet the needs of individuals and small enterprises that lack access to traditional banking services. In addition, Arman Financial Services provides two-wheeler loans for purchasing motorcycles and scooters, targeting the growing demand for affordable transportation. The company also offers group loans to self-help groups, which are typically small community-based organizations. Revenue is further augmented through partnerships with banks and financial institutions that help expand its reach and customer base, as well as through cross-selling of financial products. By maintaining a strong focus on customer service and risk management, the company ensures a sustainable revenue model while contributing to financial inclusion.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	4.91B	3.49B	3.89B	2.23B	1.88B
Gross Profit	2.93B	2.79B	1.68B	957.61M	763.56M
EBITDA	2.49B	2.30B	1.26B	465.90M	126.32M
Net Income	520.73M	1.74B	938.11M	317.23M	106.16M
Balance Sheet
Total Assets	22.27B	26.35B	20.38B	12.41B	9.40B
Cash, Cash Equivalents and Short-Term Investments	4.03B	5.32B	4.30B	1.42B	1.54B
Total Debt	12.32B	17.25B	16.04B	9.90B	7.21B
Total Liabilities	13.53B	18.22B	16.72B	10.29B	7.54B
Stockholders Equity	8.74B	8.13B	3.66B	2.13B	1.87B
Cash Flow
Free Cash Flow	4.67B	-3.05B	-7.20B	-2.82B	54.70M
Operating Cash Flow	4.93B	-3.02B	-7.18B	-2.81B	59.12M
Investing Cash Flow	-488.04M	183.80M	-126.16M	-19.68M	15.20M
Financing Cash Flow	-4.95B	3.76B	6.81B	2.70B	221.97M

Arman Financial Services Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1456.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:ARMANFIN, the sentiment is Negative. The current price of 1456.8 is below the 20-day moving average (MA) of 1522.44, below the 50-day MA of 1642.59, and above the 200-day MA of 1448.57, indicating a neutral trend. The MACD of -56.13 indicates Negative momentum. The RSI at 41.26 is Neutral, neither overbought nor oversold. The STOCH value of 84.71 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	73 Outperform	₹28.73B	26.37		0.97%	7.91%	16.21%
Sector *	68 Neutral	$17.56B	11.61	10.34%	3.76%	9.69%	0.41%
PAISALO	64 Neutral	₹27.64B	13.42		0.33%	13.28%	-6.19%
ARMANFIN	60 Neutral	₹15.93B	246.55		―	0.02%	-96.51%
MUTHOOTMF	―	₹26.94B	5.03		―	―	―
SPANDANA	48 Neutral	₹17.48B	26.37		―	-26.77%	-431.45%
UGROCAP	46 Neutral	₹19.02B	10.75		―	34.09%	17.49%

Arman Financial Services Limited Corporate Events

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.