Arman Financial Services financials

·Banking & FinanceChart ›
Latest results Q1 FY27 · Apr–Jun 2026
Total income
₹202cr+33.7% on Q1 FY26
Net interest income
₹119cr+35.6% on Q1 FY26
Net profit
₹45.2cr−₹14.6 cr in Q1 FY26
EPS
₹42.96−₹13.90 in Q1 FY26

Quarterly results

Every quarter ›
₹ croreQ1 FY27Q1 FY26Change
Total income202151+33.7%
Net interest income11987.5+35.6%
Net profit45.2−14.6—
EPS₹42.96−₹13.90—

Over time

Q1 FY27 · Apr–Jun 2026latest
Total income₹202 crNet profit₹45.2 crNet interest margin17.0%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
1,482————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
697646730662424
—−11.5%+10.4%+56.1%—
403372380328215
—−2.0%+15.8%+52.6%—
14.8%14.8%15.6%14.0%13.1%
48.8%48.8%32.1%26.0%32.6%
7.6%7.6%14.2%3.7%2.9%
11656.652.117493.8
—+8.7%−70.0%+85.0%—
₹110.10₹53.88₹49.53₹165.10₹89.23
—+8.8%−70.0%+85.0%—
6.3%6.3%6.2%29.5%32.4%
2.3%2.3%2.1%7.4%5.7%
Balance sheet
2,2132,2131,6842,0331,537
—+31.5%−17.2%+32.3%—
1,7761,7761,2321,7251,604
1.90×1.90×1.41×2.12×4.39×
3.00×3.00×2.55×3.24×5.57×
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

ARMANFIN₹1,409.30

Arman Financial Services Limited

· Banking & Finance
₹ CrorePeersPFSMUFINUGROCAPINDOSTARFINKURVECRESTSGFINAYEMcap ₹1,482 Cr
HighlightsEnterprise ValueMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————1,481.6
Total Income423.9661.5730.0645.9696.7
Growth %, YoY—+56.1+10.4-11.5—
Net Interest Income214.7327.6379.5371.8402.9
Growth %, YoY—+52.6+15.8-2.0—
NIM %, on assets13.0914.0215.6114.8014.80
Cost to Income %32.6425.9732.1048.7848.78
Credit Cost %, on avg loans2.913.6514.217.617.61
Net Income93.8173.652.156.6116.4
Growth %, YoY—+85.0-70.0+8.7—
EPS, Adj (current shares)89.23165.1049.5353.88110.10
Growth %, YoY—+85.0-70.0+8.8—
ROE %32.4429.466.176.276.27
ROA %5.727.432.142.252.25
Balance Sheet
Loans1,536.72,032.91,683.72,213.52,213.5
Growth %, YoY—+32.3-17.2+31.5—
Total Borrowings1,604.41,724.91,232.31,775.71,775.7
Debt/Equity ×4.392.121.411.901.90
Leverage (Assets/Equity) ×5.573.242.553.003.00
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Arman Financial Services financials and key ratios

Prices at the previous close · figures from the company's filings with NSE

Arman Financial Services (NSE: ARMANFIN) had a market capitalisation of ₹1,482 crore at the previous close (₹1,409.30 a share), a PE ratio of 12.8 on the last four quarters' profit and a price-to-book ratio of 1.59. In FY26 its consolidated net profit attributable to shareholders was ₹56.6 crore on revenue of ₹646 crore; in Q1 FY27 (April–June 2026) it was ₹44.5 crore. Promoters held 21.93% of the shares on 30 September 2026.

Share price used
₹1,409.30 · previous close
Latest balance sheet
31 March 2026
Shareholding pattern
30 September 2026

Arman Financial Services at a glance · consolidated

Market cap
₹1,482 Crat ₹1,409.30 · previous close
PE ratio (last 4 quarters)
12.826.2 on FY26 profit
Price to book (PB)
1.59book value ₹887.64 a share
ROE (FY26)
6.3%
Debt to equity
1.90net debt ₹1,377 Cr
Promoter holding
21.93%−0.1 pts vs 30 Jun 202630 September 2026

Questions

What is the Arman Financial Services PE ratio today?

Arman Financial Services' PE ratio is 12.8 at the previous close (₹1,409.30 a share): a market capitalisation of ₹1,482 crore divided by consolidated net profit attributable to shareholders of ₹116 crore over the last four quarters (Q2 FY26 to Q1 FY27). On FY26 net profit attributable to shareholders (₹56.6 crore) it is 26.2.

What is the Arman Financial Services PB ratio (price to book value)?

Arman Financial Services' price-to-book (PB) ratio is 1.59 at the previous close: a market capitalisation of ₹1,482 crore divided by shareholders' equity (book value) of ₹933 crore on 31 March 2026. That is a book value of ₹887.64 per share against a share price of ₹1,409.30.

What is the Arman Financial Services debt to equity ratio?

Arman Financial Services' debt-to-equity ratio was 1.90 on 31 March 2026: borrowings, debt securities, deposits and subordinated debt of ₹1,776 crore against total equity of ₹933 crore. A year earlier, on 31 March 2025, it was 1.41.

What is the Arman Financial Services market cap?

Arman Financial Services' market capitalisation was ₹1,482 crore at the previous close: 1.05 crore shares at ₹1,409.30 each.

What is the Arman Financial Services ROE?

In FY26, Arman Financial Services' return on equity (ROE) was 6.3%. ROE is net profit attributable to shareholders divided by average shareholders' equity (the start and end of the year).

What is the Arman Financial Services EPS?

Arman Financial Services' basic earnings per share (EPS) were ₹53.91 in FY26, against ₹49.67 in FY25. Over the last four quarters (Q2 FY26 to Q1 FY27) they add up to ₹110.77.

What is the Arman Financial Services net worth?

Arman Financial Services' net worth — shareholders' equity in its consolidated balance sheet — was ₹933 crore on 31 March 2026, up 6.7% from ₹874 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹1,482 crore at the previous close.

What is the Arman Financial Services book value per share?

Arman Financial Services' book value per share was ₹887.64 on 31 March 2026: shareholders' equity of ₹933 crore divided by the 1.05 crore shares in issue, up 6.5% from ₹833.53 a year earlier. The share price at the previous close was ₹1,409.30.

What is the Arman Financial Services promoter holding?

Promoters held 21.93% of Arman Financial Services on 30 September 2026, down 0.07 percentage points from 22.00% the previous quarter and down 0.07 percentage points from 22.00% a year earlier, according to the shareholding pattern filed with NSE.

What is the Arman Financial Services shareholding pattern?

On 30 September 2026, Arman Financial Services' shares were held by promoters 21.93%, foreign portfolio investors (FII/FPI) 2.85%, domestic institutions (DII) 5.48% (including mutual funds at 1.10%) and retail and other non-institutional investors 69.75%. Over the year, FII holding was up 1.04 percentage points from 1.81% and DII holding was up 0.65 percentage points from 4.83%.

What are the Arman Financial Services latest quarterly results?

Arman Financial Services' latest results are for Q1 FY27 (April–June 2026), filed on 12 August 2026: consolidated net profit attributable to shareholders ₹44.5 crore, against a loss of ₹14.2 crore in Q1 FY26; revenue from operations ₹202 crore, up 33.6% year on year.

How does Arman Financial Services compare with its peers?

On FY26 consolidated figures, against PTC India Financial Services, Mufin Green Finance and Ugro Capital: Arman Financial Services' return on equity of 6.3% is the lowest of the four (PTC India Financial Services 11.0%, Mufin Green Finance 6.7%, Ugro Capital 7.1%; peer average 8.2%).

What is the Arman Financial Services revenue and profit in FY26?

In FY26 (April 2025–March 2026), Arman Financial Services' consolidated net profit attributable to shareholders was ₹56.6 crore, up 8.8% from ₹52.1 crore in FY25, on revenue from operations of ₹646 crore (down 11.5%). Over three years, from FY23, net profit was down 39.6%.

When are the Arman Financial Services next results?

Arman Financial Services will announce its Q2 FY27 results (July–September 2026) on Wednesday, 4 November 2026, the date of the board meeting it has notified to the exchanges.

Arman Financial Services vs PTC India Financial Services: how do they compare?

In FY26, Arman Financial Services earned net profit attributable to shareholders of ₹56.6 crore on revenue of ₹646 crore, against ₹319 crore on ₹515 crore for PTC India Financial Services.

Where do these Arman Financial Services figures come from?

From Arman Financial Services' own consolidated results, balance sheets and shareholding patterns filed with NSE. Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.