| Quarterly Financials | Mar 2015 | Jun 2015 | Sept 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sept 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sept 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sept 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sept 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
Revenue  | 9 | 9 | 10 | 10 | 14 | 13 | 14 | 14 | 12 | 14 | 18 | 23 | 26 | 29 | 32 | 38 | 41 | 48 | 54 | 57 | 56 | 49 | 52 | 48 | 45 | 50 | 51 | 59 | 76 | 79 | 93 | 103 | 149 | 150 | 160 | 169 | 183 | 184 | 182 | 165 | 199 | 151 | 159 |
| Expenses | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 7 | 5 | 7 | 8 | 8 | 10 | 10 | 10 | 13 | 14 | 13 | 15 | 17 | 28 | 20 | 31 | 27 | 25 | 23 | 24 | 24 | 29 | 30 | 30 | 29 | 37 | 35 | 34 | 42 | 55 | 78 | 94 | 114 | 135 | 110 | 91 |
| EBITDA | 6 | 6 | 7 | 6 | 10 | 9 | 9 | 8 | 7 | 7 | 9 | 15 | 16 | 19 | 22 | 25 | 28 | 35 | 39 | 40 | 28 | 29 | 21 | 21 | 20 | 27 | 27 | 35 | 47 | 49 | 63 | 74 | 112 | 114 | 126 | 127 | 128 | 107 | 88 | 51 | 65 | 42 | 68 |
| Operating Profit % | 67 % | 72 % | 69 % | 63 % | 70 % | 71 % | 64 % | 53 % | 56 % | 47 % | 53 % | 65 % | 62 % | 66 % | 70 % | 67 % | 66 % | 73 % | 72 % | 69 % | 50 % | 58 % | 39 % | 43 % | 44 % | 53 % | 53 % | 59 % | 62 % | 62 % | 68 % | 72 % | 75 % | 76 % | 79 % | 75 % | 70 % | 58 % | 48 % | 31 % | 33 % | 27 % | 43 % |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 |
| Interest | 3 | 3 | 4 | 4 | 6 | 5 | 6 | 5 | 8 | 5 | 8 | 10 | 13 | 11 | 12 | 15 | 19 | 19 | 23 | 21 | 25 | 22 | 19 | 17 | 20 | 20 | 20 | 25 | 25 | 29 | 36 | 44 | 63 | 64 | 67 | 71 | 63 | 65 | 65 | 57 | 52 | 52 | 50 |
| Profit Before Tax | 3 | 3 | 3 | 2 | 4 | 4 | 4 | 3 | -1 | 1 | 1 | 4 | 3 | 7 | 10 | 11 | 9 | 16 | 17 | 18 | 3 | 7 | 2 | 3 | -0 | 7 | 7 | 10 | 22 | 20 | 27 | 29 | 49 | 50 | 59 | 55 | 65 | 41 | 22 | -7 | 13 | -11 | 18 |
| Tax | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 0 | 1 | 0 | 1 | 1 | 2 | 3 | 3 | 2 | 4 | 5 | 5 | -1 | 1 | 1 | 0 | -1 | 3 | 3 | 3 | 6 | 4 | 7 | 7 | 13 | 10 | 18 | 13 | 14 | 10 | 7 | 0 | -0 | 3 | 10 |
| Net Profit | 2 | 2 | 2 | 1 | 3 | 3 | 3 | 2 | -1 | 1 | 1 | 3 | 2 | 5 | 7 | 7 | 7 | 12 | 12 | 14 | 4 | 5 | 2 | 3 | 1 | 4 | 5 | 7 | 16 | 16 | 20 | 22 | 36 | 40 | 41 | 42 | 51 | 31 | 15 | -7 | 13 | -15 | 8 |
| EPS in ₹ | 2.25 | 2.95 | 2.93 | 2.00 | 3.39 | 3.87 | 3.59 | 2.49 | -1.33 | 1.35 | 1.15 | 4.53 | 3.50 | 7.35 | 10.05 | 10.37 | 10.34 | 17.42 | 17.31 | 16.45 | 5.11 | 6.28 | 1.79 | 3.44 | 1.02 | 4.21 | 5.71 | 8.27 | 19.17 | 18.51 | 23.45 | 25.87 | 42.63 | 47.03 | 48.04 | 47.71 | 52.23 | 29.88 | 14.56 | -6.94 | 12.17 | -13.90 | 7.62 |
Arman Financial Services
Arman Financial Services
1,630.50
-3.60
(-0.22%)
Market Cap
₹1,714.08 Cr
PE Ratio
-1,652.09
Volume
23,252.00
Day High - Low
₹1,662.00 - ₹1,620.20
52W High-Low
₹1,834.60 - ₹1,109.95
Key Fundamentals
Market Cap
1,714.08 Cr
EPS
49.67
PB Ratio
2.05
Book Value
829.50
EBITDA
310.20
Dividend Yield
0.00 %
Industry
Financial Services Sector
NBFC ROE Growth %
-
Debt to Equity
1.75
Actual
Company News
View All News
Arman Financial Services' Finance Investment Committee approved issuance of 75,000 non-convertible debentures worth ₹75 crores with a green shoe option of ₹25 crores, offering 11.35% annual interest payable quarterly. The debentures have a face value of ₹10,000 each with tentative maturity after 24 months and will be listed on BSE's Wholesale Debt segment, pending receipt of credit rating letter.
Arman Financial Services is evaluating the possibility of issuing non-convertible debentures as a funding option. This potential debt instrument issuance could provide the company with additional capital for its business operations and growth initiatives.
Arman Financial Services Reports Q2FY26 Recovery with Profit Return and Improved Asset Quality
6 days ago
6 days agoArman Financial Services returned to profitability with INR 8 crores profit in Q2FY26 after INR 14.6 crores loss in Q1, driven by improved collection efficiency at 95.6% and declining impairment costs for three consecutive quarters from INR 89 crores in Q4FY25 to INR 38 crores in Q2FY26. The company's consolidated AUM stood at INR 2,130 crores with GNPA improving to 3.69% and NNPA at 0.53%, while disbursements grew 26% year-on-year to INR 475 crores in Q2FY26, signaling stabilization in the microfinance sector after prolonged credit stress.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
1,010.70 | #1 6,28,906.24 | 34.47 | #1 69,724.80 | 26.81 | #1 16,780 | 23.27 | 46.81 | |
308.00 | 1,95,676.76 | 119.98 | 2,078.90 | 12.09 | 1,613 | 0.86 | 51.98 | |
856.60 | 1,61,127.14 | 15.75 | 41,859.50 | 19.61 | 9,423 | 7.47 | 82.11 | |
3,725.60 | 1,49,571.10 | 20.57 | 20,324.50 | 34.04 | 5,352 | 82.54 | 71.31 | |
1,712.90 | 1,44,123.24 | 30.89 | 26,152.80 | 34.67 | 4,260 | 19.82 | 54.78 | |
877.75 | 83,521.81 | 43.33 | 18,637.10 | 6.60 | 1,916 | 9.99 | 48.14 | |
4,723.80 | 52,483.24 | 26.26 | 8,563.00 | 17.53 | 1,813 | 11.90 | 53.15 | |
349.85 | 48,628.14 | 19.52 | 18,530.50 | 16.03 | 2,261 | 45.15 | 69.66 | |
2,686.20 | 45,623.79 | #1 11.46 | 4,612.20 | #1 76.63 | 4,241 | -8.96 | 37.80 | |
469.35 | 36,572.16 | 174.37 | 4,222.80 | 34.17 | -98 | #1 115.75 | 46.16 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
10.36 %
Net Income Growth
-69.99 %
Cash Flow Change
262.97 %
ROE
-72.10 %
ROCE
-29.51 %
EBITDA Margin (Avg.)
-43.20 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 137 | 195 | 215 | 465 | 753 | 896 | 940 | 1,241 | 2,038 | 2,635 | 2,227 |
| Fixed Assets | 2 | 2 | 3 | 3 | 4 | 4 | 4 | 5 | 6 | 8 | 31 |
| Current Assets | 119 | 159 | 177 | 370 | 74 | 105 | 177 | 157 | 460 | 568 | 448 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 3 | 3 | 3 | 6 | 20 | 7 | 39 |
| Other Assets | 136 | 193 | 213 | 462 | 746 | 889 | 933 | 1,231 | 2,013 | 2,620 | 2,157 |
| Total Liabilities | 137 | 195 | 215 | 465 | 753 | 896 | 940 | 1,241 | 2,038 | 2,635 | 2,227 |
| Current Liabilities | 75 | 99 | 111 | 185 | 58 | 50 | 91 | 55 | 244 | 324 | 178 |
| Non Current Liabilities | 23 | 46 | 48 | 223 | 572 | 674 | 663 | 974 | 1,429 | 1,499 | 1,175 |
| Total Equity | 39 | 51 | 56 | 57 | 123 | 172 | 187 | 213 | 366 | 813 | 874 |
| Reserve & Surplus | 32 | 39 | 44 | 50 | 116 | 164 | 178 | 204 | 293 | 802 | 864 |
| Share Capital | 7 | 12 | 12 | 7 | 7 | 9 | 9 | 9 | 9 | 11 | 11 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 1 | -7 | 10 | -9 | 30 | 20 | 30 | -12 | -49 | 92 | -51 |
| Investing Activities | -1 | -7 | -2 | -12 | -1 | 2 | 2 | -2 | -13 | 18 | -49 |
| Operating Activities | 7 | -1 | 21 | -203 | -221 | -76 | 6 | -281 | -718 | -302 | 493 |
| Financing Activities | -6 | 1 | -9 | 205 | 252 | 94 | 22 | 270 | 681 | 376 | -495 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 27.47 % | 27.47 % | 27.45 % | 27.45 % | 27.45 % | 27.39 % | 27.36 % | 27.35 % | 27.31 % | 27.27 % | 26.58 % | 23.72 % | 22.09 % | 22.09 % | 22.07 % | 22.07 % | 22.06 % | 22.05 % | 22.00 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 3.90 % | 0.00 % | 10.20 % | 5.18 % | 4.90 % | 1.97 % | 1.20 % | 1.42 % | 1.81 % |
| DIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.53 % | 0.76 % | 0.76 % | 0.81 % | 0.77 % | 7.73 % | 6.29 % | 6.16 % | 5.03 % | 4.51 % | 4.92 % | 5.08 % | 4.83 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 34.74 % | 33.32 % | 32.54 % | 32.43 % | 32.06 % | 31.31 % | 31.71 % | 31.59 % | 31.37 % | 31.47 % | 33.31 % | 29.21 % | 32.42 % | 34.00 % | 38.56 % | 43.09 % | 43.21 % | 42.37 % | 44.12 % |
| Others | 37.79 % | 39.22 % | 40.00 % | 40.12 % | 40.49 % | 41.30 % | 40.40 % | 40.30 % | 40.56 % | 40.44 % | 35.45 % | 39.34 % | 28.99 % | 32.56 % | 29.45 % | 28.37 % | 28.61 % | 29.08 % | 27.25 % |
| No of Share Holders | 0 | 8,723 | 9,262 | 9,569 | 10,058 | 9,804 | 10,113 | 11,134 | 11,053 | 12,185 | 13,758 | 14,590 | 19,906 | 21,676 | 36,339 | 42,629 | 41,400 | 37,608 | 36,531 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 1 | 1 | 1.4 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.32 | 0.27 | 0.34 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 27 Sept 2024 |  Annual General Meeting | NA | 27 Sept 2024 | 1,693.05 | 1,672.75 |
| 13 Nov 2024 |  Quarterly Result Announcement | NA | 13 Nov 2024 | 1,446.60 | 1,361.90 |
| 14 Feb 2025 | Quarterly Result Announcement | NA | 14 Feb 2025 | 1,471.00 | 1,420.00 |
| 29 May 2025 | Quarterly Result Announcement | NA | 29 May 2025 | 1,514.80 | 1,525.65 |
| 13 Aug 2025 | Quarterly Result Announcement | NA | 13 Aug 2025 | 1,605.60 | 1,405.65 |
| 29 Sept 2025 | Annual General Meeting | NA | 29 Sept 2025 | 1,405.65 | 1,476.00 |
| 13 Nov 2025 | Quarterly Result Announcement | NA | 13 Nov 2025 | 1,623.10 | 1,627.80 |
Announcements
Announcement under Regulation 30 (LODR)-Raising of Funds10 hours ago
10 hours agoAnnouncement under Regulation 30 (LODR)-Raising of Funds5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call Transcript6 days ago
6 days agoDisclosures under Reg. 29(2) of SEBI (SAST) Regulations 20119 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 14, 2025
Nov 14, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 14, 2025
Nov 14, 2025Announcement under Regulation 30 (LODR)-Investor PresentationNov 14, 2025
Nov 14, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 13, 2025
Nov 13, 2025Material Deviations As Per SEBI LODR Regulations 2015 For Quarter Ended On September 30 2025Nov 13, 2025
Nov 13, 2025Compliances-Reg. 54 - Asset Cover details Nov 13, 2025
Nov 13, 2025Board Meeting Outcome for Financial Results - Outcome Of Board MeetingNov 13, 2025
Nov 13, 2025Outcome Of Board Meeting Held On November 13 2025Nov 13, 2025
Nov 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 06, 2025
Nov 06, 2025Board Meeting Intimation for Approving Quarterly Financial ResultsNov 06, 2025
Nov 06, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Nov 04, 2025
Nov 04, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Oct 24, 2025
Oct 24, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 08, 2025
Oct 08, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Oct 08, 2025Compliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017) Oct 07, 2025
Oct 07, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Oct 03, 2025
Oct 03, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportSep 30, 2025
Sep 30, 2025Announcement under Regulation 30 (LODR)-Change in ManagementSep 29, 2025
Sep 29, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateSep 29, 2025
Sep 29, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMSep 29, 2025
Sep 29, 2025Outcome Of 33Rd Annual General Meeting Of The Company.Sep 29, 2025
Sep 29, 2025Closure of Trading WindowSep 27, 2025
Sep 27, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Sep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 24, 2025
Sep 24, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 17, 2025
Sep 17, 2025Letter To Shareholders Regarding 33Rd Notice Of AGM & Annual Report For FY 2024-25Sep 06, 2025
Sep 06, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 05, 2025
Sep 05, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Sep 04, 2025
Sep 04, 2025Notice Of 33Rd Annual General Meeting To Be Held On September 29 2025.Sep 04, 2025
Sep 04, 2025Business Responsibility and Sustainability Reporting (BRSR)Sep 04, 2025
Sep 04, 2025Reg. 34 (1) Annual Report.Sep 04, 2025
Sep 04, 2025100 Days Campaign On Saksham Niveshak" - July 28 2025 To November 6 2025 For The Updation Of KYC And Other Related Information And Shareholders Engagement To Prevent Transfer Of Unpaid / Unclaimed Dividend Amounts And Shares To The IEPF.Sep 03, 2025
Sep 03, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 20, 2025
Aug 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Investor PresentationAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateAug 13, 2025
Aug 13, 2025Material Deviations As Per SEBI LODR Regulations 2015.Aug 13, 2025
Aug 13, 2025Compliances-Reg. 54 - Asset Cover details Aug 13, 2025
Aug 13, 2025Board Meeting Outcome for Held On August 13 2025.Aug 13, 2025
Aug 13, 2025Financial Results For Quarter Ended On June 30 2025.Aug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Aug 07, 2025Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 Groww Banking & Financial Services Fund Direct - Growth | 1.92% | 7025 | 1.92% | 1.92% | |
 UTI Banking and Financial Services Fund Direct Plan-Growth | 1.07% | -6844 | 0.00% | 0.00% | |
| UTI Small Cap Fund Direct - Growth | 0.20% | -4000 | 0.00% | 0.01% | |
 WhiteOak Capital ELSS Tax Saver Fund Direct - Growth | 0.10% | 0 | 0.00% | 0.01% | |
| WhiteOak Capital Flexi Cap Fund Direct - Growth | 0.10% | 0 | 0.00% | 0.01% | |
| WhiteOak Capital Multi Cap Fund Direct - Growth | 0.08% | 0 | 0.00% | 0.00% |
Technical Indicators
RSI(14)
Neutral 47.28
ATR(14)
Less Volatile 57.67
STOCH(9,6)
Neutral 45.92
STOCH RSI(14)
Oversold 13.12
MACD(12,26)
Bearish -7.41
ADX(14)
Strong Trend 27.40
UO(9)
Bearish 39.31
ROC(12)
Downtrend And Accelerating -1.26
WillR(14)
Neutral -76.43
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