Aryaman Financial Services Analysis

dividend

Pros

Cons

• Unable to evaluate Aryaman Financial Services's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
• Unable to evaluate Aryaman Financial Services's dividend against the top 25% market benchmark as the company has not reported any payouts.

health

Pros

• Aryaman Financial Services is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
• Aryaman Financial Services is profitable, therefore cash runway is not a concern.
• Aryaman Financial Services is profitable, therefore cash runway is not a concern.
• Debt is covered by short term assets, assets are 1.3x debt.
• Aryaman Financial Services's cash and other short term assets cover its long term commitments.

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 (6.2% vs 81% today).
• Interest payments on debt are not well covered by earnings (EBIT is 1.2x annual interest expense, ideally 3x coverage).
• Aryaman Financial Services's level of debt (81%) compared to net worth is high (greater than 40%).
• High level of physical assets or inventory.

management

Pros

• The tenure for the Aryaman Financial Services board of directors is about average.
• Shripal's remuneration is lower than average for companies of similar size in India.

Cons

• Shripal's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.

misc

Pros

Cons

• Aryaman Financial Services is not covered by any analysts.

past

Pros

• Aryaman Financial Services used its assets more efficiently than the IN Capital Markets industry average last year based on Return on Assets.

Cons

• Aryaman Financial Services's 1-year earnings growth is negative, it can't be compared to the 5-year average.
• Aryaman Financial Services's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
• Aryaman Financial Services's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
• Aryaman Financial Services has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
• Aryaman Financial Services's 1-year earnings growth is negative, it can't be compared to the IN Capital Markets industry average.

value

Pros

• 530245 outperformed the Capital Markets industry which returned -21% over the past year.
• 530245 outperformed the Market in India which returned -14.5% over the past year.
• BSE:530245 is up 13.1% outperforming the Capital Markets industry which returned 8.7% over the past month.
• BSE:530245 is up 13.1% outperforming the market in India which returned 8% over the past month.

Cons

• Aryaman Financial Services is overvalued based on assets compared to the IN Capital Markets industry average.
• Aryaman Financial Services is overvalued based on earnings compared to the IN Capital Markets industry average.
• Aryaman Financial Services is overvalued based on earnings compared to the India market.