Check Before You Invest : Aryaman Capital Markets Ltd

Q: Which industry/sub-sector does Aryaman Capital Markets Ltd belong to?

Aryaman Capital Markets Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q: Is Aryaman Capital Markets Ltd a good quality company?

Aryaman Capital Markets Ltd is a weak quality company, based on a inconsistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Aryaman Capital Markets Ltd undervalued or overvalued?

Aryaman Capital Markets Ltd appears Somewhat overvalued, as its key valuation ratios are higher than their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 23.77, Historic Median: 48.29. Price to Book, Current: 5.25, Historic Median: 3.88. Price to Sales, Current: 7.31, Historic Median: 5.14. EV to EBITDA, Current: 16.35, Historic Median: 19.19

Q: Is Aryaman Capital Markets Ltd a good buy now?

Aryaman Capital Markets Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Operating Income growth is 133.92% for FY-2025, which is above its 5-year CAGR of -2.41%, indicating faster growth.

Q: Return on Assets of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Return on Asset is 22.2%, which is above its 5-year historical median of 2.5%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 30.74, Historic Median: 3.28. PPOP (%), Current: 237.5, Historic Median: 100. RoA (%), Current: 22.2, Historic Median: 2.5

Q: Return on Equity (ROE) of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Return on Equity is 38.7% for FY-2025, which is above its 5-year historical median of 6.4%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 237.5% for FY-2025, which is above its 5-year median(100%), indicating increasing margins.

Q: Net Profit Margin of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 30.74% for FY-2025, which is above its 5-year median( 3.28%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Aryaman Capital Markets Ltd return on invested capital (ROIC) is 26.44% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Check Before You Invest : Aryaman Capital Markets Ltd

BSE: 538716 NSE: ISIN: INE229R01011

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Aryaman Capital Markets Ltd belong to?

Aryaman Capital Markets Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Aryaman Capital Markets Ltd a good quality company?

Aryaman Capital Markets Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Aryaman Capital Markets Ltd undervalued or overvalued?

Aryaman Capital Markets Ltd appears Somewhat overvalued, as its key valuation ratios are higher than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	23.77	48.29
Price to Book	5.25	3.88
Price to Sales	7.31	5.14
EV to EBITDA	16.35	19.19

Q.4 Is Aryaman Capital Markets Ltd a good buy now?

Aryaman Capital Markets Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Operating Income growth is 133.92% for FY-2025, which is above its 5-year CAGR of -2.41%, indicating faster growth.

Q.2 Return on Assets of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Return on Asset is 22.2%, which is above its 5-year historical median of 2.5%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	30.74	3.28
PPOP (%)	237.5	100
RoA (%)	22.2	2.5

Q.3 Return on Equity (ROE) of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Return on Equity is 38.7% for FY-2025, which is above its 5-year historical median of 6.4%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 237.5% for FY-2025, which is above its 5-year median(100%), indicating increasing margins.

Q.5 Net Profit Margin of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 30.74% for FY-2025, which is above its 5-year median( 3.28%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Aryaman Capital Markets Ltd return on invested capital (ROIC) is 26.44% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Aryaman Capital Markets Ltd?

Aryaman Capital Markets Ltd Total Asset growth is 27.47% for FY-2025, which is above its 5-year CAGR of 17.86%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Aryaman Capital Markets Ltd?

Q.1 Promoter shareholding and pledge status of Aryaman Capital Markets Ltd?

Promoters hold 74.28% of the Aryaman Capital Markets Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Aryaman Capital Markets Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Aryaman Capital Markets Ltd vs Industry Peers?

Aryaman Capital Markets Ltd AUM CAGR is 17.86%, compared to the 5-year industry median CAGR of 9.08%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Aryaman Capital Markets Ltd vs industry peers

Aryaman Capital Markets Ltd profit metrics are in line with the industry median level of -1.22%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	30.74	3.22
PPOP (%)	237.5	-7.69
RoA (%)	22.2	0.8

Q.3 Operating efficiency of Aryaman Capital Markets Ltd vs industry peers?

Aryaman Capital Markets Ltd ROCE (8.3) is above the industry median of (1.8); while the current ROE (6.4) are above than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	30.74	3.22
PPOP (%)	237.5	-7.69
RoA (%)	22.2	0.8
ROCE (%)	31.7	1.8
ROE (%)	38.7	0.9

Valuation & price assessment

Q.1 Stock return of Aryaman Capital Markets Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 36.7% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	36.7%	62.1%	113.2%	92.8%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	23.77	48.29	33.75
Price to Book	5.25	3.88	0.95
Price to Sales	7.31	5.14	12.43
EV to EBITDA	16.35	19.19	10.00

Q.3 Valuation ratios of Aryaman Capital Markets Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 5.25 is higher than its historical median of 3.88, indicating that the stock is trading above its historical average valuation.

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Check Before You Invest : Aryaman Capital Markets Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

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