ScoreWhy is Arman Financial Services Ltd ?
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
- The stocks MACD and KST technical factors are also Bearish
3
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -3.44% over the previous quarter and collectively hold 6.48% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
4
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -0.91% in the last 1 year, its fall in the stock was much higher with a return of -32.64%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance/NBFC)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Arman Financial for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Arman Financial
-32.57%
-0.76
42.96%
SENSEX
0.45%
0.03
14.48%
Management Risk
Growth
Capital StructureValuationValuation 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%
Loading Valuation Snapshot...
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
DEBT-EQUITY RATIO(HY)
Lowest at 1.66 times
-21What is not working for the Company
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
PBDIT(Q)
Lowest at Rs 50.55 cr.
PBT LESS OI(Q)
Lowest at Rs -6.89 cr.
EPS(Q)
Lowest at Rs -6.92
Loading Valuation Snapshot...
Here's what is working for Arman Financial
Debt-Equity Ratio - Half Yearly
Lowest at 1.66 times and Fallen
each half year in the last five half yearly periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Here's what is not working for Arman Financial
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -6.89 cr has Fallen at -115.1% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 45.76 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs -7.26 cr has Fallen at -120.8% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 34.85 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 30.68% and Fallen
each quarter in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Net Sales - Quarterly
Lowest at Rs 164.77 cr
in the last five quartersMOJO Watch
Near term sales trend is negative
Net Sales (Rs Cr)
Net Sales - Quarterly
At Rs 164.77 cr has Fallen at -8.1% (vs previous 4Q average)
over average Net Sales of the previous four quarters of Rs 179.38 CrMOJO Watch
Near term sales trend is negative
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 50.55 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -6.89 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Lowest at Rs -6.92
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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