Arman Financial Services Limited , a non-banking financial company (NBFC), has announced strong financial results for the second quarter of fiscal year 2026, demonstrating resilient growth and profitability.

Key Financial Highlights

For the quarter ended September 30, 2025, Arman Financial Services reported:

The company's Board of Directors approved these unaudited quarterly results on November 13, 2025, reflecting a robust operational performance across its financing business.

Financial Performance Analysis

Arman Financial Services has shown impressive profitability in Q2 FY26. The net profit of ₹881.48 crore indicates strong financial health and effective cost management. The earnings per share of ₹8.49 suggests solid returns for shareholders.

Notably, the company achieved a net profit margin of 20.77%, highlighting its efficiency in converting revenue into profit. This high margin demonstrates Arman Financial's ability to control costs while maintaining strong revenue growth in its financing operations.

Balance Sheet Strength

As of September 30, 2025, Arman Financial Services reported:

The balance sheet reflects a well-capitalized position, with a diverse asset base primarily composed of loans. The company's cash position of ₹2,878.24 lakhs provides liquidity and flexibility for future growth opportunities.

Operational Efficiency

Arman Financial's net profit margin of 20.77% underscores its operational efficiency. This high margin suggests effective cost management and potentially higher-yielding loan products in its portfolio.

Regulatory Compliance

The company has filed its financial results in compliance with SEBI regulations, demonstrating its commitment to transparency and good corporate governance practices.

Conclusion

Arman Financial Services Limited's Q2 FY26 results indicate a financially robust NBFC with strong profitability and efficient operations. The company's ability to maintain a high net profit margin in the competitive financial services sector is particularly noteworthy. As Arman Financial continues to navigate the dynamic NBFC landscape, its strong financial position may support sustained growth and value creation for stakeholders.

Arman Financial Services Limited , a non-banking financial company (NBFC), has reported a significant downturn in its financial performance for the first quarter. The company's consolidated results show a net loss of 146.00 crore rupees, marking a stark contrast to the profit of 313.00 crore rupees recorded in the same period last year.

Revenue Decline

The company's revenue saw a notable decrease, dropping to 1,510.00 crore rupees from 1,844.00 crore rupees in the corresponding quarter of the previous year. This represents an 18.11% year-over-year decline in total income.

Financial Highlights

All figures in crore rupees

Operational Performance

The consolidated financial results reveal several key aspects of Arman Financial's performance:

• Interest Income: The company's primary revenue source, interest income, stood at 1,397.57 crore rupees.
• Fees and Commission Income: This segment contributed 64.83 crore rupees to the total revenue.
• Impairment Losses: The company reported significant impairment losses on financial assets, amounting to 665.19 crore rupees.
• Employee Benefits Expenses: These expenses were reported at 334.43 crore rupees.

Financial Ratios

The company's financial health can be further assessed through key ratios:

Management Actions

In response to the challenging quarter, Arman Financial's board has taken several decisions:

1. Approval of the unaudited financial results for the quarter.
2. Re-appointment of Mr. Jayendra Patel as Vice Chairman & Managing Director, effective September 1, subject to shareholder approval.
3. Re-appointment of Mr. Yash Shah as an Independent Director for a five-year term, effective September 2.
4. Grant of 8,100 stock options to eligible employees under the "Arman- Employee Stock Option Plan 2023".

Looking Ahead

While the company faces headwinds in the current economic environment, it continues to focus on strategic initiatives and corporate governance. The re-appointment of key personnel and the implementation of an employee stock option plan suggest a long-term commitment to stability and growth.

Investors and stakeholders will be closely watching Arman Financial's performance in the coming quarters for signs of recovery and the effectiveness of management's strategies in navigating the challenging financial landscape.