| 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 | Dec 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 | 160 |
| 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 | 80 |
| 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 | 80 |
| 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 % | 50 % |
| 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 | 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 | 51 |
| 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 | 29 |
| 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 | 6 |
| 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 | 22 |
| 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 | 21.13 |
Arman Financial Services
Arman Financial Services
1,339.20
-44.00
(-3.18%)
Market Cap
1,407.89 Cr
PE Ratio
51.34
Volume
60,427.00
Day High - Low
1,385.10 - 1,301.00
52W High-Low
1,834.60 - 1,109.95
Key Fundamentals
Market Cap
1,407.89 Cr
EPS
49.67
PE Ratio
51.34
PB Ratio
1.67
Book Value
829.50
EBITDA
310.20
Dividend Yield
0.00 %
Industry
Financial Services Sector
NBFC Return on Equity
5.96
Debt to Equity
1.75
Actual
Company News
View All News
Arman Financial Services successfully paid ₹29,79,000/- interest and redeemed ₹3,33,32,000/- worth of debentures on March 5, 2026, maintaining compliance with SEBI regulations.
Arman Financial Services has made available the audio recording of its Q3FY26 earnings conference call with analysts and investors on its website following regulatory compliance.
Arman Financial Services Board Meet on Feb 12
Feb 07, 2026
Feb 07, 2026Arman Financial Services Limited has scheduled its board meeting for February 12, 2026, to consider Q3FY26 unaudited financial results and potential fundraising through NCDs.
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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 |
|---|---|---|---|---|---|---|---|---|
938.05 | #1 5,83,699.91 | 32.26 | #1 69,724.80 | 26.81 | #1 16,780 | -5.62 | 37.32 | |
987.20 | 1,85,728.07 | 20.71 | 41,859.50 | 19.61 | 9,423 | -22.13 | 40.64 | |
232.25 | 1,47,551.71 | 94.62 | 2,078.90 | 12.09 | 1,613 | -8.75 | 22.28 | |
1,583.00 | 1,33,582.01 | 28.57 | 26,152.80 | 34.67 | 4,260 | 18.54 | 34.58 | |
3,241.90 | 1,30,152.07 | 15.02 | 20,324.50 | 34.04 | 5,352 | 102.90 | 35.54 | |
720.70 | 68,578.03 | 32.92 | 18,637.10 | 6.60 | 1,916 | 45.25 | 30.64 | |
5,413.50 | 60,146.07 | 28.88 | 8,563.00 | 17.53 | 1,813 | 18.86 | 52.73 | |
347.85 | 48,350.15 | 21.26 | 18,530.50 | 16.03 | 2,261 | -10.03 | 38.99 | |
405.30 | 34,419.11 | #1 10.10 | 4,612.20 | #1 76.63 | 4,241 | -70.06 | 22.00 | |
413.65 | 33,612.65 | 98.60 | 4,222.80 | 34.17 | -98 | #1 703.21 | 36.84 |
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 Equity & 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 | Dec 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 % | 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 % | 1.68 % |
| 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 % | 5.03 % |
| 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 % | 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 % | 45.57 % |
| 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 % | 25.72 % |
| 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 | 34,930 |
Dividend History
| Annual Cash Flows | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 1 | 1 | 1.4 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Yield (%) | 0.32 | 0.27 | 0.34 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Announcements
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 4 days ago
4 days agoCompliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call TranscriptFeb 20, 2026
Feb 20, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 16, 2026
Feb 16, 2026Announcement under Regulation 30 (LODR)-Investor PresentationFeb 14, 2026
Feb 14, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationFeb 13, 2026
Feb 13, 2026Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseFeb 13, 2026
Feb 13, 2026Letter To Shareholders : Change In Management - Orderly Leadership Transition To Support Long-Term Continuity.Feb 13, 2026
Feb 13, 2026Compliances-Reg. 54 - Asset Cover details Feb 12, 2026
Feb 12, 2026Unaudited Financial Results For The Quarter Ended On December 31 2025Feb 12, 2026
Feb 12, 2026Unaudited Financial Results For The Quarter Ended On December 31 2025Feb 12, 2026
Feb 12, 2026Board Meeting Outcome for Outcome Of Board Meeting Held On February 12 2026Feb 12, 2026
Feb 12, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 10, 2026
Feb 10, 2026Board Meeting Intimation for Board Meeting Intimation For Approval Of Un Audited Financial Results For Quarter And Period Ended On December 31 2025.Feb 07, 2026
Feb 07, 2026Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Feb 05, 2026
Feb 05, 2026Announcement under Regulation 30 (LODR)-Raising of FundsJan 29, 2026
Jan 29, 2026Transfer Of Shares To Investor Education & Protection Fund Pursuant To Section 124(6) Of The Companies Act 2013Jan 27, 2026
Jan 27, 2026Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jan 23, 2026
Jan 23, 2026Intimation Of Change In Office Address Of Ahmedabad Branch Of Registrar And Share Transfer AgentJan 21, 2026
Jan 21, 2026Announcement under Regulation 30 (LODR)-Credit RatingJan 21, 2026
Jan 21, 2026Announcement under Regulation 30 (LODR)-Raising of FundsJan 19, 2026
Jan 19, 2026Announcement under Regulation 30 (LODR)-Raising of FundsJan 13, 2026
Jan 13, 2026Additional Details For Credit Rating Intimation Dated March 03 2025.Jan 10, 2026
Jan 10, 2026Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jan 09, 2026
Jan 09, 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 05, 2026
Jan 05, 2026Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jan 05, 2026
Jan 05, 2026Closure of Trading WindowDec 26, 2025
Dec 26, 2025Announcement under Regulation 30 (LODR)-Credit RatingDec 24, 2025
Dec 24, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Dec 05, 2025
Dec 05, 2025Announcement under Regulation 30 (LODR)-AllotmentDec 04, 2025
Dec 04, 2025Announcement under Regulation 30 (LODR)-Raising of FundsNov 26, 2025
Nov 26, 2025Announcement under Regulation 30 (LODR)-Raising of FundsNov 21, 2025
Nov 21, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 20, 2025
Nov 20, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Nov 17, 2025
Nov 17, 2025Announcement 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, 2025Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 Groww Banking & Financial Services Fund Direct - Growth | 0.00% | 0 | 0.00% | -1.82% | |
 UTI Banking and Financial Services Fund Direct Plan-Growth | 0.00% | 0 | 0.00% | 0.00% | |
UTI Small Cap Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
 WhiteOak Capital ELSS Tax Saver Fund Direct - Growth | 0.00% | 0 | 0.00% | -0.10% | |
WhiteOak Capital Flexi Cap Fund Direct - Growth | 0.00% | 0 | 0.00% | -0.09% | |
WhiteOak Capital Multi Cap Fund Direct - Growth | 0.00% | 0 | 0.00% | -0.07% |
Technical Indicators
RSI(14)
Neutral 29.03
ATR(14)
Volatile 67.68
STOCH(9,6)
Oversold 6.49
STOCH RSI(14)
Oversold 0.00
MACD(12,26)
Bearish -29.27
ADX(14)
Weak Trend 16.24
UO(9)
Bullish 24.91
ROC(12)
Downtrend And Accelerating -16.88
WillR(14)
Oversold -99.18
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