Arman Financial Services profitability ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Jun 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	6.3%	6.3%	6.2%	29.5%	32.4%
	2.3%	2.3%	2.1%	7.4%	5.7%
	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%
	16.7%	8.8%	7.1%	26.2%	22.1%
Leverage
	3.00×	3.00×	2.55×	3.24×	5.57×
	1.90×	1.90×	1.41×	2.12×	4.39×
Additional
	20.1%	26.8%	24.6%	23.9%	24.9%

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

alphave

ARMANFIN₹1,441.20

Arman Financial Services Limited

· Banking & Finance

₹ CrorePeersPFS MUFIN UGROCAP INDOSTAR FINKURVE CREST SGFIN AYEMcap ₹1,515 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/06/2026
Returns
Return on Common Equity	32.44	29.46	6.17	6.27	6.27
Return on Assets	5.72	7.43	2.14	2.25	2.25
Margins & Efficiency
Net Interest Margin (on avg assets)	13.09	14.02	15.61	14.80	14.80
Cost to Income	32.64	25.97	32.10	48.78	48.78
Credit Cost (impairment / avg loans)	2.91	3.65	14.21	7.61	7.61
Net Income Margin	22.13	26.24	7.13	8.76	16.70
Leverage
Leverage (Assets/Equity)	5.57	3.24	2.55	3.00	3.00
Total Debt/Equity	4.39	2.12	1.41	1.90	1.90
Additional
Effective Tax Rate	24.92	23.90	24.63	26.83	20.13

No consensus estimates → no Est columns. Click any row to chart it.

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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%.