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Arman Financial Services Ltd

NSE: ARMANFIN BSE: 531179

₹1343.50

(-4.50%)

Wed, 01 Apr 2026, 00:39 pm

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Arman Financial Services Analysis

dividend

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Pros

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    Cons

    • Arman Financial Services is not paying a notable dividend for India, therefore no need to check if the payments are increasing.
    • No need to calculate the sustainability of Arman Financial Services's dividends as it is not paying a notable one for India.
    • Arman Financial Services is not paying a notable dividend for India, therefore no need to check if the payments are stable.
    • Arman Financial Services's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
    • Arman Financial Services's dividend is below the markets top 25% of dividend payers in India (3.08%).

    future

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    Pros

    • Arman Financial Services's revenue is expected to grow significantly at over 20% yearly.
    • Arman Financial Services's revenue growth is expected to exceed the India market average.
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    Cons

      health

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      Pros

      • Arman Financial Services is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
      • Arman Financial Services is profitable, therefore cash runway is not a concern.
      • Arman Financial Services is profitable, therefore cash runway is not a concern.
      • Debt is covered by short term assets, assets are 1.2x debt.
      • Arman Financial Services's cash and other short term assets cover its long term commitments.
      • Low level of unsold assets.
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      Cons

      • Operating cash flow is negative therefore debt is not well covered.
      • The level of debt compared to net worth has increased over the past 5 years (189% vs 476.6% today).
      • Arman Financial Services's level of debt (476.6%) compared to net worth is high (greater than 40%).

      management

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      Pros

      • The average tenure for the Arman Financial Services board of directors is over 10 years, this suggests they are a seasoned and experienced board.
      • Jayendrabhai's remuneration is lower than average for companies of similar size in India.
      • Jayendrabhai's compensation has been consistent with company performance over the past year, both up more than 20%.
      • The tenure for the Arman Financial Services management team is about average.
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      Cons

        misc

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        Pros

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          Cons

          • Arman Financial Services is covered by less than 3 analysts.
          • Arman Financial Services has significant price volatility in the past 3 months.

          past

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          Pros

          • Arman Financial Services's 1-year earnings growth exceeds its 5-year average (120.5% vs 40.7%)
          • Arman Financial Services has delivered over 20% year on year earnings growth in the past 5 years.
          • Arman Financial Services used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
          • Arman Financial Services's earnings growth has exceeded the IN Consumer Finance industry average in the past year (120.5% vs 11%).
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          Cons

          • Whilst Arman Financial Services has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.

          value

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          Pros

          • Arman Financial Services is good value based on earnings compared to the IN Consumer Finance industry average.
          • Arman Financial Services is good value based on earnings compared to the India market.
          • 531179 outperformed the Consumer Finance industry which returned -28.8% over the past year.
          • 531179 outperformed the Market in India which returned -14.5% over the past year.
          • BSE:531179 is up 17.4% outperforming the Consumer Finance industry which returned 10.3% over the past month.
          • BSE:531179 is up 17.4% outperforming the market in India which returned 8% over the past month.
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          Cons

          • Arman Financial Services's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
          • Arman Financial Services's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
          • Arman Financial Services is overvalued based on assets compared to the IN Consumer Finance industry average.

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          Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800