down arrow

Arman Financial

  • Market Cap: Small Cap
  • Industry: Finance/NBFC
  • ISIN: INE109C01017
  • NSEID: ARMANFIN
  • BSEID: 531179
INR
1,401.45
42.05 (3.09%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 25.2 k

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

1,390.001,446.70

52 Week

1,111.002,528.05
Valuation
Technical
Day's Volume

CASH

25.2 k (12.14%) Volume

Shareholding (Dec 2024)

FII

1.97%

Held by 21 FIIs

DII

4.51%

Held by 2 DIIs

Promoter

22.07%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Negative results in Dec 24

  • PAT(Q) At Rs -7.26 cr has Fallen at -120.8% (vs previous 4Q average)
  • OPERATING PROFIT TO NET SALES(Q) Lowest at 30.68%
  • NET SALES(Q) Lowest at Rs 164.77 cr
2

Stock is technically in a Mildly Bearish range

3

Falling Participation by Institutional Investors

4

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Finance/NBFC

stock-summary
Market cap

INR 1,470 Cr (Small Cap)

stock-summary
P/E

16.00

stock-summary
Industry P/E

20

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

1.66

stock-summary
Return on Equity

16.12%

stock-summary
Price to Book

1.65

Revenue and Profits (1 Year):
Net Sales:
165 Cr
(Quarterly Results - Dec 2024)
Net Profit:
-7 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-9.19%
0%
-9.19%
1 Year
-32.57%
0%
-32.57%
2 Years
-0.95%
0%
-0.95%
3 Years
25.57%
0%
25.57%
4 Years
130.6%
0%
130.6%
5 Years
298.48%
0%
298.48%

Latest dividend: 1.4 per share ex-dividend date: Sep-13-2019

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
29.31%
EBIT Growth (5y)
21.65%
Net Debt to Equity (avg)
0
Institutional Holding
6.48%
ROE (avg)
16.85%
Valuation key factors
Factor
Value
P/E Ratio
16
Industry P/E
20
Price to Book Value
1.65
EV to EBIT
6.46
EV to EBITDA
6.43
EV to Capital Employed
1.30
EV to Sales
3.37
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
24.34%
ROE (Latest)
16.12%
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Non Institution

Pledged Promoter Holdings

None

Mutual Funds

Held by 2 Schemes (1.97%)

FIIs

Held by 21 FIIs (1.97%)

Promoter with highest holding

Namra Holdings And Consultancy Services Llp (9.04%)

Highest Public shareholder

Elevation Capital V Limited (10.9%)

Individual Investors Holdings

43.09%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -9.21% vs -1.59% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -147.54% vs -51.21% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "164.77",
          "val2": "181.49",
          "chgp": "-9.21%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "50.55",
          "val2": "88.01",
          "chgp": "-42.56%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "56.98",
          "val2": "65.26",
          "chgp": "-12.69%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "-7.26",
          "val2": "15.27",
          "chgp": "-147.54%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "30.68%",
          "val2": "48.49%",
          "chgp": "-17.81%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Consolidated) - Sep'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2024 is 18.10% vs 80.61% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is -42.33% vs 126.57% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "365.92",
          "val2": "309.84",
          "chgp": "18.10%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "194.81",
          "val2": "240.28",
          "chgp": "-18.92%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "130.63",
          "val2": "131.32",
          "chgp": "-0.53%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "46.57",
          "val2": "80.75",
          "chgp": "-42.33%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "53.24%",
          "val2": "77.55%",
          "chgp": "-24.31%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 10.88% vs 74.30% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is -67.98% vs 113.03% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "530.69",
          "val2": "478.60",
          "chgp": "10.88%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "245.36",
          "val2": "367.02",
          "chgp": "-33.15%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "187.61",
          "val2": "202.52",
          "chgp": "-7.36%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "39.31",
          "val2": "122.75",
          "chgp": "-67.98%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "46.23%",
          "val2": "76.69%",
          "chgp": "-30.46%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Mar'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Mar 2024 is 56.04% vs 80.38% in Mar 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 85.02% vs 195.74% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "661.46",
          "val2": "423.90",
          "chgp": "56.04%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "494.91",
          "val2": "298.10",
          "chgp": "66.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "265.47",
          "val2": "172.00",
          "chgp": "54.34%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "173.57",
          "val2": "93.81",
          "chgp": "85.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "74.82%",
          "val2": "70.32%",
          "chgp": "4.50%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Consolidated) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Net Sales
164.77
181.49
-9.21%
Operating Profit (PBDIT) excl Other Income
50.55
88.01
-42.56%
Interest
56.98
65.26
-12.69%
Exceptional Items
0.00
0.00
Consolidate Net Profit
-7.26
15.27
-147.54%
Operating Profit Margin (Excl OI)
30.68%
48.49%
-17.81%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

QoQ Growth in quarter ended Dec 2024 is -9.21% vs -1.59% in Sep 2024

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Dec 2024 is -147.54% vs -51.21% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Consolidated) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Net Sales
365.92
309.84
18.10%
Operating Profit (PBDIT) excl Other Income
194.81
240.28
-18.92%
Interest
130.63
131.32
-0.53%
Exceptional Items
0.00
0.00
Consolidate Net Profit
46.57
80.75
-42.33%
Operating Profit Margin (Excl OI)
53.24%
77.55%
-24.31%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

Growth in half year ended Sep 2024 is 18.10% vs 80.61% in Sep 2023

Direction Arrows
Consolidated Net Profit

Growth in half year ended Sep 2024 is -42.33% vs 126.57% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
530.69
478.60
10.88%
Operating Profit (PBDIT) excl Other Income
245.36
367.02
-33.15%
Interest
187.61
202.52
-7.36%
Exceptional Items
0.00
0.00
Consolidate Net Profit
39.31
122.75
-67.98%
Operating Profit Margin (Excl OI)
46.23%
76.69%
-30.46%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in nine months ended Dec 2024 is 10.88% vs 74.30% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in nine months ended Dec 2024 is -67.98% vs 113.03% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Consolidated) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Net Sales
661.46
423.90
56.04%
Operating Profit (PBDIT) excl Other Income
494.91
298.10
66.02%
Interest
265.47
172.00
54.34%
Exceptional Items
0.00
0.00
Consolidate Net Profit
173.57
93.81
85.02%
Operating Profit Margin (Excl OI)
74.82%
70.32%
4.50%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Mar 2024 is 56.04% vs 80.38% in Mar 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Mar 2024 is 85.02% vs 195.74% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Arman Financial Services Ltd stock-summary
stock-summary
Arman Financial Services Ltd
Small Cap
Finance/NBFC
Arman Financial Services Limited (Arman) is an India-based, non-banking finance company (NBFC) registered with The Reserve Bank of India. The Company is engaged in the business of providing Small and Medium Enterprise Loans (SME), TwoWheeler loans (TW) and Loan again property (LAP) to create the underlying assets of SME, TW and mortgage. Arman Financial Services Limited was erstwhile incorporated with the name 'Arman Lease & Finance Limited' on November 26, 1992.
Company Coordinates stock-summary
Company Details
502-503 Sakar III, Off Ashram Road Opp Old High S Ahmedabad Gujarat : 380014
stock-summary
Tel: 91-079-40507000/27541989
stock-summary
http://www.armanindia.com
stock-summary
finance@armanindia.com
Registrar Details
Stock List
ABCDEFGHIJKLMNOPQRSTUVWXYZOther
Footer Logo
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
Market
Webinars
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."