Arman Financial Services Ltd
ARMANFIN
Finance
₹ 1,615
Price
₹ 1,697
Market Cap
Small Cap
32.59
P/E Ratio
📊 Score Snapshot
8.89 / 25
Performance
25 / 25
Valuation
2.17 / 20
Growth
7.0 / 30
Profitability
43.06 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | - | -274.76 | -812.62 | -339.12 | -26.75 | -95.11 | -392.72 | -438.64 |
| Adj Cash PAT | - | -288.50 | -690.73 | -291.64 | -23.54 | -80.84 | -223.85 | -241.25 |
| Adj Cash PAT To PAT | - | -1.66 | -7.35 | -9.12 | -2.14 | -1.92 | -8.60 | -34.42 |
| Adj EPS | 49.52 | 165.76 | 110.59 | 37.20 | 12.50 | 49.41 | 45.68 | 12.75 |
| Adj Number Of Shares | 1.05 | 1.05 | 0.85 | 0.86 | 0.88 | 0.85 | 0.57 | 0.55 |
| Adj PE | 27.10 | 12.81 | 12.03 | 27.47 | 48.77 | 7.51 | 7.99 | 26.28 |
| Adj Peg | - | 0.26 | 0.06 | 0.14 | - | 0.92 | 0.03 | 1.81 |
| Bvps | 832.38 | 773.33 | 429.41 | 246.51 | 211.36 | 202.35 | 215.79 | 103.64 |
| Cash Conversion Cycle | - | - | - | - | - | - | - | 35.00 |
| Cash Revenue | - | 1,322 | 1,272 | 705.00 | 585.00 | 642.00 | 417.00 | 226.88 |
| Cash Revenue To Revenue | - | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 0.97 |
| Dso | - | - | - | - | - | - | - | 35.00 |
| Dividend Yield | - | - | - | - | - | - | 0.50 | 0.34 |
| Fcfe | - | -136.50 | -48.73 | -21.64 | 0.46 | 14.16 | 28.15 | 1.75 |
| Fcfe Margin | - | -10.33 | -3.83 | -3.07 | 0.08 | 2.21 | 6.75 | 0.77 |
| Fcfe To Adj PAT | - | -0.78 | -0.52 | -0.68 | 0.04 | 0.34 | 1.08 | 0.25 |
| Market Cap | 1,409 | 2,229 | 1,131 | 878.66 | 536.45 | 315.48 | 208.05 | 184.25 |
| PB | 1.61 | 2.75 | 3.10 | 4.14 | 2.88 | 1.83 | 1.69 | 3.23 |
| PE | 27.01 | 12.81 | 12.04 | 27.35 | 48.73 | 7.55 | 7.94 | 26.25 |
| Peg | - | 0.26 | 0.06 | 0.14 | - | 1.10 | 0.03 | 1.70 |
| PS | 1.93 | 1.69 | 0.89 | 1.25 | 0.92 | 0.49 | 0.50 | 0.79 |
| ROE | 6.17 | 29.58 | 32.58 | 16.08 | 6.15 | 28.47 | 28.93 | 12.41 |
| Share Price | 1,342 | 2,123 | 1,330 | 1,022 | 609.60 | 371.15 | 365.00 | 335.00 |
📊 Quarterly Results
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 199.00 | 329.77 | 362.49 | 368.43 | 365.85 | 506.76 | 480.33 | 449.51 | 447.31 | 309.04 | 278.65 | 236.90 | 227.81 | 116.46 |
| Interest | 52.00 | 57.00 | 65.00 | 65.00 | 63.00 | 71.00 | 67.00 | 64.00 | 63.00 | 44.00 | 36.00 | 29.00 | 25.00 | 25.21 |
| Expenses - | 134.00 | 114.00 | 93.00 | 78.00 | 55.00 | 42.00 | 34.00 | 35.00 | 37.00 | 29.00 | 30.00 | 30.00 | 29.00 | 23.69 |
| Financing Profit | 13.00 | -6.00 | 23.00 | 41.00 | 65.00 | 56.00 | 59.00 | 50.00 | 49.00 | 30.00 | 27.00 | 20.00 | 22.00 | 9.56 |
| Financing Margin % | 6.53 | -1.82 | 6.35 | 11.13 | 17.77 | 11.05 | 12.28 | 11.12 | 10.95 | 9.71 | 9.69 | 8.44 | 9.66 | 8.21 |
| Other Income - | - | - | - | - | 0.07 | - | - | - | - | - | - | - | - | 0.22 |
| Depreciation | - | - | - | - | - | - | - | - | - | - | - | - | - | 0.20 |
| Profit Before Tax | 13.00 | -7.00 | 22.00 | 41.00 | 65.00 | 55.00 | 58.00 | 50.00 | 49.00 | 29.00 | 27.00 | 20.00 | 22.00 | 9.58 |
| Tax % | - | - | 31.82 | 24.39 | 21.54 | 23.64 | 29.31 | 20.00 | 26.53 | 24.14 | 25.93 | 20.00 | 27.27 | 26.72 |
| Net Profit - | 13.00 | -7.00 | 15.00 | 31.00 | 51.00 | 42.00 | 41.00 | 40.00 | 36.00 | 22.00 | 20.00 | 16.00 | 16.00 | 7.02 |
| Profit Excl Exceptional | 13.00 | -7.00 | 15.00 | 31.00 | 51.00 | 42.00 | 41.00 | 40.00 | 36.00 | 22.00 | 20.00 | 16.00 | 16.00 | - |
| Profit For PE | 13.00 | -7.00 | 15.00 | 31.00 | 51.00 | 42.00 | 41.00 | 40.00 | 36.00 | 22.00 | 20.00 | 16.00 | 16.00 | 7.00 |
| Profit For EPS | 13.00 | -7.00 | 15.00 | 31.00 | 51.00 | 42.00 | 41.00 | 40.00 | 36.00 | 22.00 | 20.00 | 16.00 | 16.00 | 7.00 |
| EPS In Rs | 12.18 | -6.93 | 14.57 | 29.87 | 48.51 | 42.91 | 46.86 | 47.02 | 42.63 | 25.88 | 23.46 | 18.50 | 19.17 | 8.27 |
| PAT Margin % | 6.53 | -2.12 | 4.14 | 8.41 | 13.94 | 8.29 | 8.54 | 8.90 | 8.05 | 7.12 | 7.18 | 6.75 | 7.02 | 6.03 |
| PBT Margin | 6.53 | -2.12 | 6.07 | 11.13 | 17.77 | 10.85 | 12.08 | 11.12 | 10.95 | 9.38 | 9.69 | 8.44 | 9.66 | 8.23 |
| Tax | - | - | 7.00 | 10.00 | 14.00 | 13.00 | 17.00 | 10.00 | 13.00 | 7.00 | 7.00 | 4.00 | 6.00 | 2.56 |
| Yoy Profit Growth % | -75.00 | -117.00 | -63.00 | -22.00 | 40.00 | 91.00 | 105.00 | 154.00 | 122.00 | 213.00 | 311.00 | 340.00 | 1,771 | 140.00 |
| Adj PAT | 13.00 | -7.00 | 15.00 | 31.00 | 51.00 | 42.00 | 41.00 | 40.00 | 36.00 | 22.00 | 20.00 | 16.00 | 16.00 | 7.02 |
| Adj PAT Margin | 6.53 | -2.12 | 4.14 | 8.41 | 13.94 | 8.29 | 8.54 | 8.90 | 8.05 | 7.12 | 7.18 | 6.75 | 7.02 | 6.03 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 730.00 | 1,322 | 1,272 | 705.00 | 585.00 | 642.00 | 417.00 | 234.00 | 162.00 | 123.00 | 90.00 | 72.00 |
| Interest | 239.00 | 266.00 | 172.00 | 89.00 | 79.00 | 88.00 | 59.00 | 34.00 | 24.00 | 16.00 | 11.00 | 9.00 |
| Expenses - | 420.00 | 166.00 | 126.00 | 99.00 | 103.00 | 72.00 | 44.00 | 34.00 | 20.00 | 12.00 | 9.00 | 9.00 |
| Financing Profit | 71.00 | 229.00 | 126.00 | 46.00 | 13.00 | 53.00 | 37.00 | 10.00 | 10.00 | 12.00 | 9.00 | 7.00 |
| Financing Margin % | 9.73 | 17.32 | 9.91 | 6.52 | 2.22 | 8.26 | 8.87 | 4.27 | 6.17 | 9.76 | 10.00 | 9.72 |
| Other Income - | - | - | - | - | 0.02 | 1.12 | 0.13 | - | 0.01 | - | - | - |
| Exceptional Items | - | 0.07 | - | -0.01 | - | - | 0.06 | 0.01 | 0.01 | - | 0.01 | - |
| Depreciation | 2.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | - | - | - | - | - | - |
| Profit Before Tax | 69.00 | 228.00 | 125.00 | 46.00 | 12.00 | 54.00 | 36.00 | 10.00 | 10.00 | 12.00 | 9.00 | 7.00 |
| Tax % | 24.64 | 23.68 | 24.80 | 30.43 | 8.33 | 22.22 | 27.78 | 30.00 | 40.00 | 33.33 | 33.33 | 28.57 |
| Net Profit - | 52.00 | 174.00 | 94.00 | 32.00 | 11.00 | 42.00 | 26.00 | 7.00 | 6.00 | 8.00 | 6.00 | 5.00 |
| Profit Excl Exceptional | 52.00 | 174.00 | 94.00 | 32.00 | 11.00 | 42.00 | 26.00 | 7.00 | 6.00 | 8.00 | 6.00 | 5.00 |
| Profit For PE | 52.00 | 174.00 | 94.00 | 32.00 | 11.00 | 42.00 | 26.00 | 7.00 | 6.00 | 8.00 | 6.00 | 5.00 |
| Profit For EPS | 52.00 | 174.00 | 94.00 | 32.00 | 11.00 | 42.00 | 26.00 | 7.00 | 6.00 | 8.00 | 6.00 | 5.00 |
| EPS In Rs | 49.69 | 165.67 | 110.46 | 37.35 | 12.51 | 49.13 | 45.98 | 12.76 | 11.05 | 13.99 | 10.77 | 7.92 |
| Dividend Payout % | - | - | - | - | - | - | 4.00 | 9.00 | 11.00 | 12.00 | 13.00 | 15.00 |
| PAT Margin % | 7.12 | 13.16 | 7.39 | 4.54 | 1.88 | 6.54 | 6.24 | 2.99 | 3.70 | 6.50 | 6.67 | 6.94 |
| PBT Margin | 9.45 | 17.25 | 9.83 | 6.52 | 2.05 | 8.41 | 8.63 | 4.27 | 6.17 | 9.76 | 10.00 | 9.72 |
| Tax | 17.00 | 54.00 | 31.00 | 14.00 | 1.00 | 12.00 | 10.00 | 3.00 | 4.00 | 4.00 | 3.00 | 2.00 |
| Adj PAT | 52.00 | 174.05 | 94.00 | 31.99 | 11.00 | 42.00 | 26.04 | 7.01 | 6.01 | 8.00 | 6.01 | 5.00 |
| Adj PAT Margin | 7.12 | 13.17 | 7.39 | 4.54 | 1.88 | 6.54 | 6.24 | 3.00 | 3.71 | 6.50 | 6.68 | 6.94 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 5.17 | - | 5.62 | 4.46 | 3.52 | 2.71 | 1.91 | 1.47 |
| Average Total Assets | 2,431 | 2,408 | 2,336 | - | 1,640 | 1,090 | 918.00 | 824.50 | 609.00 | 340.00 |
| Average Total Equity | 843.00 | 667.00 | 588.50 | - | 288.50 | 199.00 | 179.00 | 147.50 | 90.00 | 56.50 |
| Borrowing | 1,232 | - | 1,725 | - | 1,607 | 990.00 | 721.00 | 698.00 | 612.00 | 395.00 |
| Cash Equivalents | 403.00 | 464.00 | 525.00 | 522.00 | 430.00 | 142.00 | 168.00 | 97.00 | 69.00 | 19.00 |
| Fixed Assets | 31.00 | 31.00 | 8.00 | 6.00 | 6.00 | 5.00 | 4.00 | 4.00 | 4.00 | 3.00 |
| Gross Block | - | - | 12.83 | - | 11.72 | 9.34 | 7.59 | 7.15 | 5.42 | 4.29 |
| Investments | 39.00 | 22.00 | 7.00 | 24.00 | 19.00 | 6.00 | 3.00 | 3.00 | 3.00 | 3.00 |
| Loans N Advances | 1,684 | 1,803 | -6.00 | - | -5.00 | -4.00 | -5.00 | - | 1.00 | - |
| Long Term Borrowings | - | 1,439 | - | 1,862 | - | - | - | 674.00 | 572.00 | 222.00 |
| Net Debt | -442.00 | 953.00 | 1,193 | 1,316 | 1,158 | 842.00 | 550.00 | 598.00 | 540.00 | 373.00 |
| Other Asset Items | 70.00 | 72.00 | 2,102 | 1,870 | 1,587 | 1,092 | 770.00 | 791.00 | 677.00 | 432.00 |
| Other Borrowings | - | - | 1,725 | - | 1,607 | 990.00 | 721.00 | - | - | 124.00 |
| Other Liability Items | 119.00 | 88.00 | 95.00 | 89.00 | 67.00 | 37.00 | 32.00 | 26.00 | 18.00 | 12.00 |
| Reserves | 864.00 | 854.00 | 802.00 | 461.00 | 357.00 | 204.00 | 178.00 | 164.00 | 116.00 | 50.00 |
| Share Capital | 10.00 | 10.00 | 10.00 | 9.00 | 8.00 | 8.00 | 8.00 | 8.00 | 7.00 | 7.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | 23.00 | 40.00 | 50.00 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 2,227 | 2,393 | 2,635 | 2,423 | 2,038 | 1,241 | 940.00 | 896.00 | 753.00 | 465.00 |
| Total Borrowings | - | 1,439 | 1,725 | 1,862 | 1,607 | 990.00 | 721.00 | 698.00 | 612.00 | 395.00 |
| Total Equity | 874.00 | 864.00 | 812.00 | 470.00 | 365.00 | 212.00 | 186.00 | 172.00 | 123.00 | 57.00 |
| Total Equity And Liabilities | 2,227 | 2,393 | 2,635 | 2,423 | 2,038 | 1,241 | 940.00 | 896.00 | 753.00 | 465.00 |
| Total Liabilities | 1,353 | 1,529 | 1,823 | 1,953 | 1,673 | 1,029 | 754.00 | 724.00 | 630.00 | 408.00 |
| Trade Payables | 1.00 | 1.00 | 2.00 | 2.00 | 2.00 | 2.00 | - | - | - | - |
| Trade Receivables | - | - | - | - | - | - | - | - | - | 7.00 |
💵 Cash Flows
| Metric | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 376.00 | 681.00 | 270.00 | 22.00 | 94.00 | 252.00 | 205.00 | -9.00 |
| Cash From Investing Activity | 18.00 | -13.00 | -2.00 | 2.00 | 2.00 | -1.00 | -12.00 | -2.00 |
| Cash From Operating Activity | -302.00 | -718.00 | -281.00 | 6.00 | -76.00 | -221.00 | -203.00 | 21.00 |
| Cash Paid For Loan Advances | -503.92 | -486.50 | -335.79 | 2.23 | -119.10 | -247.67 | -243.74 | -4.69 |
| Cash Paid For Purchase Of Fixed Assets | -2.00 | -2.00 | -1.00 | - | -1.00 | -2.00 | -1.00 | -1.00 |
| Cash Paid For Purchase Of Investments | -925.00 | -488.00 | -508.00 | -330.00 | -553.00 | -170.00 | - | -1.00 |
| Cash Paid For Redemption Of Debentures | -10.00 | -5.00 | - | - | - | - | - | - |
| Cash Paid For Repayment Of Borrowings | -1,658 | -841.00 | -452.00 | -383.00 | -447.00 | -171.00 | -60.00 | -35.00 |
| Cash Received From Borrowings | 1,821 | 1,412 | 722.00 | 406.00 | 542.00 | 424.00 | 304.00 | 16.00 |
| Cash Received From Issue Of Debentures | - | 77.00 | - | - | - | - | - | 33.00 |
| Cash Received From Issue Of Shares | 230.00 | - | - | - | - | - | - | - |
| Cash Received From Sale Of Fixed Assets | - | - | - | - | - | 1.00 | - | - |
| Cash Received From Sale Of Investments | 946.00 | 477.00 | 507.00 | 332.00 | 556.00 | 171.00 | - | - |
| Change In Other Working Capital Items | 40.91 | -298.30 | 11.74 | -36.75 | -3.55 | -2.92 | 2.60 | 0.67 |
| Change In Payables | 0.46 | 0.07 | 0.42 | -0.02 | -0.19 | 0.70 | - | - |
| Change In Receivables | - | - | - | - | - | - | -7.12 | -6.77 |
| Change In Working Capital | -462.55 | -784.73 | -323.63 | -34.54 | -122.84 | -249.89 | -248.26 | -10.79 |
| Direct Taxes Paid | -57.50 | -26.63 | -17.55 | -6.37 | -17.75 | -8.16 | -3.98 | -3.43 |
| Dividends Paid | - | - | - | - | -1.00 | -1.00 | -1.00 | -2.00 |
| Interest Paid | 328.98 | 201.50 | 139.60 | 105.91 | 114.09 | 77.11 | -32.00 | -22.00 |
| Net Cash Flow | 92.00 | -49.00 | -12.00 | 30.00 | 20.00 | 30.00 | -9.00 | 10.00 |
| Other Cash Financing Items Paid | -7.00 | 38.00 | - | - | - | - | -5.00 | - |
| Other Cash Investing Items Paid | - | - | - | - | - | - | -11.00 | - |
| Profit From Operations | -111.33 | -107.81 | -79.12 | -59.10 | -49.25 | -39.82 | 49.66 | 35.64 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Armanfin | 2025-03-31 | - | 1.19 | 4.91 | 71.82 | 0.00 |
| Armanfin | 2024-12-31 | - | 1.97 | 4.51 | 71.44 | 0.00 |
| Armanfin | 2024-09-30 | - | 4.90 | 5.03 | 68.01 | 0.00 |
| Armanfin | 2024-06-30 | - | 5.18 | 6.16 | 66.56 | 0.00 |
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