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Arman Financial Services LtdNon Banking Financial Company (NBFC)INE109C01017Consolidated₹1951.85-12.50 (-0.64%)Jun-26

Valuation

Market Cap₹2.07K Cr

TTM PE17.75x

Forward PE14.29x

PEG0.17

Book Value₹887.64

P/B2.21x

TTM EPS₹110.77

Fwd EPS₹137.53

TTM Revenue₹696.64 Cr

TTM PAT₹116.35 Cr

Last Qtr PAT₹45.17 Cr

Profitability

ROE12.47%

ROCE13.46%

TTM NPM16.70%

Curr OPM22.38%

Last OPM23.36%

Curr NPM—

Last NPM—

Curr EPS₹42.96

Last EPS₹39.06

Balance sheet

Equity₹10.51 Cr

Reserve₹922.82 Cr

Total Debt₹1,765.72 Cr

D/E1.89x

Interest %142.31%

Curr Interest₹64.28 Cr

Price / range

Close₹1966.00

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+0.25%

1W-3.22%

1M-0.83%

3M+15.36%

6M+29.38%

1Y+35.69%

2Y+7.89%

3Y-14.81%

5Y+138.95%

Diwali+25.61%

Sector peers — Non Banking Financial Company (NBFC)

Company	Close	Mkt Cap	TTM P/E	ROE
BAJFINANCE	1021.30	₹6.36L Cr	31.27	18.11%
SHRIRAMFIN	1011.80	₹2.38L Cr	18.81	19.08%
CHOLAFIN	1764.00	₹1.50L Cr	26.01	18.88%
TATACAP	343.70	₹1.46L Cr	26.66	11.95%
MUTHOOTFIN	2854.20	₹1.15L Cr	10.08	29.28%
SBICARD	637.00	₹60.62K Cr	26.65	14.47%
HDBFS	680.95	₹56.54K Cr	20.47	13.36%
SUNDARMFIN	4679.50	₹51.99K Cr	23.23	14.90%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	65.87+31.1%	60.16	53.63	51.74	50.25	215.79
Other Income	0.09	0.20	0.34	0.36	0.53	1.43
Total Income	65.96+29.9%	60.37	53.97	52.10	50.78	217.22
Interest	19.79	17.23	13.99	13.82	11.99	57.03
Expenditure	-47.18-34.0%	-46.56	-41.36	-40.02	-35.20	-163.15
PBDT	0	0	0	0	0	0
Depreciation	-0.13	-0.10	-0.10	-0.11	-0.09	-0.40
PBT	18.77+20.5%	13.81	12.61	12.08	15.58	54.08
Tax	-4.18	-3.96	-3.21	-3.16	-3.13	-13.47
Equity	10.51	10.51	10.51	10.51	10.49	10.51
OPM	28.46	22.88	23.36	23.19	30.68	24.89
Net Profit	14.59+17.2%	9.85	9.40	8.91	12.45	40.61
NPM	22.12	16.32	17.42	17.10	24.52	18.69
EPS	13.88+16.9%	9.38	8.94	8.49	11.87	38.68

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 18-19	FY 17-18	FY 16-17	FY 15-16
Revenue	215.79+18.6%	181.88	46.87+71.6%	27.31+64.9%	16.56+4.0%	15.92
Other Income	1.43	3.42	0.06	0.01	0.02	0
Total Income	217.22+17.2%	185.30	46.94+71.8%	27.32+64.8%	16.58+4.1%	15.92
Expenditure	-163.15-28.2%	-127.30	-37.51-65.0%	-22.74-79.2%	-12.69-98.9%	-6.38
Interest	-57.03	-43.56	-20.26	-10.85	0	-5.67
PBDT	0	0	0	4.58	3.78	3.87
Depreciation	-0.40	-0.37	-0.11	-0.11	0	-0.13
PBT	54.08-6.8%	58	9.43+110.5%	4.48+18.5%	3.78+1.3%	3.73
Tax	-13.47	-14.83	-3.05	-1.27	-1.28	-1.24
Equity	10.51	10.49	0	6.93	6.93	6.93
OPM (%)	24.89	31.30	20.00	16.79	22.84	59.93
Net Profit	40.61-5.9%	43.17	6.38+98.8%	3.21+28.4%	2.50+0.4%	2.49
NPM (%)	18.69	23.30	14.00	11.74	15.09	15.66
EPS (Rs)	38.68-6.0%	41.17	9.19+98.5%	4.63	0-100.0%	3.60
CEPS	38.43	40.84	9.12	4.78	3.61	0

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	201.78+33.6%	175.58	160.07	159.21	151	645.87
Other Income	0.04	0	0	0	0	0
Total Income	201.82+33.7%	175.58	160.07	159.21	151	645.87
Interest	64.28	52.78	50.80	49.61	52.22	205.42
Expenditure	-144.65+10.8%	-133.50	-131.57	-141.27	-162.17	-568.51
PBDT	0	0	0	0	0	0
Depreciation	-0.47	-0.37	-0.43	-0.45	-0.44	-1.69
PBT	57.17+611.8%	42.09	28.50	17.94	-11.17	77.36
Tax	-12	-1.07	-6.32	-9.94	-3.42	-20.75
Equity	10.51	10.51	10.51	10.51	10.49	10.51
OPM	28.33	23.97	17.80	11.27	-7.40	11.98
Net Profit	45.17+409.8%	41.01	22.18	7.99	-14.58	56.61
NPM	22.38	23.36	13.86	5.02	-9.66	8.76
EPS	42.96+409.1%	39.06	21.13	7.62	-13.90	53.91

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	645.87-11.5%	730.04
Other Income	0.00	0.00
Total Income	645.87-11.5%	730.04
Expenditure	-568.51+14.0%	-660.95
Interest	-205.42	-239.36
PBDT	0	0
Depreciation	-1.69	-1.79
PBT	77.36+12.0%	69.09
Tax	-20.75	-17.02
Equity	10.51	10.49
OPM (%)	11.98	9.46
Net Profit	56.61+8.7%	52.07
NPM (%)	8.76	7.13
EPS (Rs)	53.91+8.5%	49.67
CEPS	53.57	49.26

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

Year	Type	Amount	Ex-Date
2019	Final Dividend	1.4	13 Sep 2019
2018	Final Dividend	1	30 Aug 2018
2016	Final Dividend	1.4	12 Sep 2016
2015	Final Dividend	1.2	18 Sep 2015
2014	Final Dividend	1	15 Sep 2014
2013	Final Dividend	0.8	21 Aug 2013
2012	Final Dividend	0.8	20 Sep 2012
2011	Final Dividend	0.8	19 Sep 2011
2010	Final Dividend	0.6	30 Aug 2010

Bonus

No bonus history.

Split

No split history.

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split