Arman Financial Services Limited

Web: armanindia.com NSE: ARMANFIN BSE: 531179 SECTOR: Financial Services - Finance | Add Note | View Notes

2070 78(4%)

Near 52W High of 2159

Volume

19k as on 23, Jun

Open

1,258

High

1,259

Low

1,205

1,992

VWAP

1,626

52 Week High

2,159

52 Week Low

1,301

Viand Research Rating

Quality Score

60/100

Growth Score

40/100

Valuation Score

50/100

Momentum Score

25/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

2,177

No. of Shares

1.05

P/E

33.83

P/B

2.5

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

7.4

ROCE

Profit Growth

Listing Date

14-Jun-16

Promoter Holding

22%

FII Holding

3.08%

DII Holding

4.85%

Price Chart

Price Performance

1 Week4%

1 Month5%

3 Months11%

6 Months19%

1 Year19%

YTD19%

Moving Average

5 Day SMA1,659

10 Day SMA1,647

20 Day SMA1,641

30 Day SMA1,675

50 Day SMA1,642

61 Day SMA1,615

80 Day SMA0

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,781	1,650	1,744	1,774
Resistance 2	1,744	1,641	1,706	1,740
Resistance 1	1,683	1,632	1,683	1,677
Pivot Point	1,646	1,623	1,646	1,643
Support 1	1,586	1,614	1,609	1,579
Support 2	1,548	1,605	1,586	1,545
Support 3	1,488	1,596	1,548	1,482

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 22.00%	(0.01) 22.00%	(0.01) 22.00%	(-0.11) 22.00%	(0.01) 22.05%	(0.01) 22.06%	(0.01) 22.07%	(0.01) 22.07%	(0.01) 22.09%	(-1.61) 22.09%	(-2.91) 23.65%	(-0.71) 26.58%	(0.01) 27.26%	(0.01) 27.31%	(0.01) 27.35%	(0.01) 27.36%	(-0.11) 27.39%	(0.01) 27.45%	(0.01) 27.45%	(0.01) 27.45%
FIIs	(0.51) 3.08%	(0.91) 2.61%	(-0.11) 1.69%	(0.41) 1.80%	(0.21) 1.42%	(-0.81) 1.19%	(-2.91) 1.97%	(-0.31) 4.90%	(-5.01) 5.18%	(3.61) 10.20%	(2.81) 6.64%	(-1.01) 3.89%	(-0.21) 4.86%	(-0.11) 5.04%	(-0.21) 5.13%	(0.11) 5.28%	(0.21) 5.14%	(0.11) 4.94%	(-0.21) 4.84%	(0.01) 4.99%
DIIs	(0.71) 4.85%	(-0.91) 4.18%	(0.21) 5.03%	(-0.31) 4.83%	(0.21) 5.08%	(0.41) 4.91%	(-0.51) 4.51%	(-1.11) 5.03%	(-0.11) 6.16%	(-1.41) 6.29%	(6.91) 7.66%	(0.01) 0.77%	(0.11) 0.81%	(0.01) 0.76%	(0.21) 0.76%	(0.11) 0.53%	(0.41) 0.47%	(0.11) 0.09%	(0.01) 0.00%	(0.01) 0.00%
Public	70.07%	71.20%	71.29%	71.37%	71.45%	71.82%	71.44%	68.01%	66.56%	61.41%	62.05%	68.76%	67.05%	66.89%	66.76%	66.82%	67.00%	67.52%	67.70%	67.55%
No. of Shareholders	32,079	33,752	34,930	36,531	37,608	41,400	42,629	36,339	21,676	19,745	15,688	13,758	12,185	11,196	11,053	11,134	10,113	9,804	10,058	9,569

Quarterly Results

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	202	176	160	159	151	199	165	181	184	183	169	160	150	149	103	92.65	79	76	58.46	50	49
Sales Growth % (YoY)	33.6%	-11.9%	-2.8%	-12.3%	-18.1%	9%	-2.4%	13.2%	23.4%	22.5%	63.8%	73%	89.5%	97%	76.3%	84.1%	60%	68.5%	23.9%	-	-
Sales Growth % (QoQ)	14.8%	10%	0.6%	5.3%	-24.1%	20.6%	-8.8%	-1.6%	0.5%	8.3%	5.6%	6.7%	0.7%	44.7%	11.2%	17.3%	3.9%	30%	16.9%	2%	-
Expenses	80	80	80	91	110	134	114	93	78	55	42	34	35	37	29	29.6	30	29	23.69	24	23
Operating Profit	58	42	29	18	-11	13	-6	23	41	65	56	59	50	49	30	26.98	20	22	9.56	7	6
OPM %	29	24	18	12	-7	7	-4	13	22	36	33	37	34	33	29	29.12	26	30	16.35	14	13
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.22	0	0
Interest	64	53	51	50	52	52	57	65	65	63	71	67	64	63	44	36.07	29	25	25.21	20	20
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.26	0	0	0.2	0	0
Profit before tax	57	42	29	18	-11	13	-7	22	41	65	55	58	50	49	29	26.72	20	22	9.58	7	6
Tax %	21	3	22	55	31	-1	5	32	24	21	24	30	20	26	25	25.41	21	26	26.72	34	45
Net Profit	45	41	22	8	-15	13	-7	15	31	51	42	41	40	36	22	19.92	16	16	7.02	5	4
Net Profit Growth % (QoQ)	9.8%	86.4%	175%	153.3%	-215.4%	285.7%	-146.7%	-51.6%	-39.2%	21.4%	2.4%	2.5%	11.1%	63.6%	10.4%	24.5%	-	127.9%	40.4%	25%	-
Net Profit Growth % (YoY)	400%	215.4%	414.3%	-46.7%	-148.4%	-74.5%	-116.7%	-63.4%	-22.5%	41.7%	90.9%	105.8%	150%	125%	213.4%	298.4%	300%	-	-	-	-
TTM Net Profit	116	56	28	-1	6	52	90	139	165	174	159	139	117.92	93.92	73.92	58.94	44.02	32.02	16.02	9	0
EPS in Rs	42.96	39.01	21.1	7.6	-13.9	12.16	-6.92	14.56	29.87	48.51	42.91	46.86	47.02	42.63	25.88	23.46	18.5	19.17	8.27	5.71	4.21

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	646	730	661	424	235	195	214	139	78	54	41	30	24	17
Sales Growth %	-11.5%	10.4%	56%	80.4%	20.5%	-8.9%	53.5%	78.7%	45.6%	31.6%	37.5%	21%	44.1%	10%
Expenses	361	419	166	126	99	103	72	44	34	20	12	9	9	6
Operating Profit	79	71	229	126	46	13	53	37	10	10	12	9	7	5
OPM %	12	10	35	30	20	6	25	26	13	19	30	32	28	29
Other Income	0	0	0	0	0	0	1	0	0	0	0	0	0	0
Interest	205	240	266	172	89	79	88	59	34	24	16	11	9	6
Depreciation	2	2	1	1	1	1	1	0	0	0	0	0	0	0
Profit before tax	77	69	228	125	46	12	54	36	10	10	12	9	7	5
Tax %	27	25	24	25	30	10	23	27	26	36	34	33	32	30
Net Profit	57	52	174	94	32	11	42	26	7	6	8	6	5	3
Net Profit Growth %	9.6%	-70.1%	85.1%	193.8%	190.9%	-73.8%	61.5%	271.4%	16.7%	-25%	33.3%	20%	66.7%	-
EPS in Rs	53.85	49.64	165.67	110.46	37.35	12.51	49.13	45.98	12.76	11.05	13.99	10.77	7.92	5.91
Dividend Payout %	0	0	0	0	0	0	0	4	9	11	12	13	15	14

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Cash from Operating Activity	-476	493	-302	-718	-281	6	-76	-221	-203	21	-1	7	-6	-24
Cash from Investing Activity	-50	-49	18	-13	-2	2	2	-1	-12	-2	-7	-1	-2	0
Cash from Financing Activity	546	-495	376	681	270	22	94	252	205	-9	1	-5	16	22
Net Cash Flow	20	-51	92	-49	-12	30	20	30	-9	10	-7	1	8	-2

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	11	11	10	10	10	8	8	8	8	7	7	7	7	7	7	6
Reserves	923	862	864	854	802	355	204	178	164	116	50	44	39	32	27	17
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	89	83	121	89	97	68	39	32	26	18	12	7	7	6	3	2
Total Liabilities	2798	2153	2227	2393	2635	2038	1241	940	896	753	465	215	195	137	112	82
Fixed Assets	32	32	31	31	8	6	5	4	4	4	3	3	2	2	2	1
CWIP	3	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	92	33	39	22	7	19	6	3	3	3	3	2	1	0	0	0
Other Assets	2671	2087	2157	2339	2620	2013	1231	933	888	746	459	210	192	136	110	81
Total Assets	2798	2153	2227	2393	2635	2038	1241	940	896	753	465	215	195	137	112	82

Delivery

Delivery Data: ARMANFIN

#	Date	1653 31% 2159	Value (Cr)	Q/T 10	Del 48	Del 11
1	4-Sep	2069	9	9	62	5
2	3-Sep	1992	4	6	59	3
3	2-Sep	1947	4	6	58	2
4	1-Sep	1952	5	6	48	2
5	31-Aug	1981	4	6	52	2
6	28-Aug	2034	10	11	64	7
7	27-Aug	1967	5	6	57	3
8	26-Aug	1978	8	11	61	5
9	25-Aug	1908	13	11	55	7
10	24-Aug	1954	5	7	50	2
11	21-Aug	1967	5	9	50	2
12	20-Aug	1973	6	9	45	3
13	19-Aug	1932	5	7	49	2
14	18-Aug	1937	7	10	54	4
15	17-Aug	1963	8	6	46	3
16	14-Aug	1969	16	13	58	9
17	13-Aug	2013	64	11	32	21
18	12-Aug	2011	11	11	53	6
19	11-Aug	2003	8	11	53	4
20	10-Aug	1984	15	8	51	8
21	7-Aug	2032	14	8	56	8
22	6-Aug	2032	7	9	61	4
23	5-Aug	2050	27	11	46	13
24	4-Aug	1999	6	11	63	4
25	3-Aug	1994	7	11	55	4
26	31-Jul	1941	5	10	57	3
27	30-Jul	1896	6	10	56	3
28	29-Jul	1912	3	9	62	2
29	28-Jul	1928	6	8	63	4
30	27-Jul	1993	8	8	57	4
31	24-Jul	1917	8	8	51	4
32	23-Jul	1926	5	8	52	3
33	22-Jul	1937	4	7	57	2
34	21-Jul	1985	4	7	54	2
35	20-Jul	1944	4	6	44	2
36	17-Jul	1958	6	7	37	2
37	16-Jul	1962	8	12	51	4
38	15-Jul	1995	30	12	51	15
39	14-Jul	1959	37	10	35	13
40	13-Jul	1966	33	11	45	15
41	10-Jul	1813	22	11	35	8
42	9-Jul	1725	3	10	50	1
43	8-Jul	1697	6	14	64	4
44	7-Jul	1726	5	11	47	2
45	6-Jul	1751	4	9	52	2
46	3-Jul	1744	5	10	48	2
47	2-Jul	1720	2	7	48	1
48	1-Jul	1703	9	9	50	5
49	30-Jun	1694	3	8	50	2
50	29-Jun	1672	5	12	60	3

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	2,177c	84c	4.02
03-Sep	2,092c	4c	0.21
01-Sep	2,088c	23c	1.08
31-Aug	2,111c	39c	1.88
27-Aug	2,072c	11c	0.54
26-Aug	2,061c	40c	1.97
25-Aug	2,021c	21c	1.00
24-Aug	2,041c	55c	2.63
21-Aug	2,097c	61c	3.00
19-Aug	2,036c	8c	0.39
18-Aug	2,044c	14c	0.65
17-Aug	2,057c	9c	0.44
14-Aug	2,066c	178c	7.93
13-Aug	2,244c	134c	6.36
12-Aug	2,110c	11c	0.51
11-Aug	2,099c	38c	1.85
10-Aug	2,061c	74c	3.44
07-Aug	2,135c	10c	0.46
06-Aug	2,144c	57c	2.74
04-Aug	2,087c	47c	2.32
31-Jul	2,040c	23c	1.12
30-Jul	2,017c	4c	0.19
29-Jul	2,021c	8c	0.41
28-Jul	2,029c	58c	2.77
27-Jul	2,087c	0	0

Stock Checklist

Price is above from 52 week high low average: 90%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 12 fund scheme(s) across 3 fund house(s) as of Aug26 · Total value ₹64 Cr · 0 increasing / 6 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Unifi Mutual Fund	2	1.59%	-0.36%	33.4
WhiteOak Capital Mutual Fund	8	0.11%	-0.01%	30.5
Groww Mutual Fund	2	0.00%	-1.53%	0

Arman Financial Services Limited

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