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Aryaman Financial Services Ltd logo

Aryaman Financial Services Ltd

NSE: BSE: 530245

639.30

(1.48%)

Thu, 05 Mar 2026, 04:44 am

Aryaman Financial Services Analysis

dividend

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Pros

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    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

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    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.
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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 (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

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    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.
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    Cons

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

    misc

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    Pros

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      Cons

      • Aryaman Financial Services is not covered by any analysts.

      past

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      Pros

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

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      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.
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      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.

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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