Check Before You Invest : Aryaman Financial Services Ltd

BSE: 530245 NSE: ISIN: INE032E01017

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Aryaman Financial Services Ltd belong to?

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

Q.2 Is Aryaman Financial Services Ltd a good quality company?

Aryaman Financial Services Ltd is a weak quality company, based on a inconsistent 10-year financial track record.

Q.3 Is Aryaman Financial Services Ltd undervalued or overvalued?

Aryaman Financial Services Ltd appears Somewhat overvalued, as its key valuation ratios are above with their past averages.

Q.4 Is Aryaman Financial Services Ltd a good buy now?

Aryaman Financial Services 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

Q.1 Total Income growth of Aryaman Financial Services Ltd?

Aryaman Financial Services Ltd Operating Income growth is 32.16% for FY-2025, which is below its 5-year CAGR of 35.2%, indicating slower growth.

Q.2 Return on Assets of Aryaman Financial Services Ltd?

Aryaman Financial Services Ltd Return on Asset is 14.7%, which is above its 5-year historical median of 7.1%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM%	30.64	27.92
PPOP%	60	60
RoA%	14.7	7.1

Q.3 Return on Equity (ROE) of Aryaman Financial Services Ltd?

Aryaman Financial Services Ltd Return on Equity is 15.2% for FY-2025, which is above its 5-year historical median of 7.5%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Aryaman Financial Services Ltd?

Aryaman Financial Services Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 60% for FY-2025, which is in line with its 5-year median(60%), indicating stable margins.

Q.5 Net Profit Margin of Aryaman Financial Services Ltd?

Aryaman Financial Services 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 30.64% for FY-2025, which is above its 5-year median( 27.92%), indicating increasing margins.

Q.6 Total Asset growth of Aryaman Financial Services Ltd?

Aryaman Financial Services Ltd Total Asset growth is 67.74% for FY-2025, which is above its 5-year CAGR of 16.72%, indicating faster growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Aryaman Financial Services Ltd?

Promoters hold 63.92% of the Aryaman Financial Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Aryaman Financial Services Ltd vs Industry Peers?

Aryaman Financial Services Ltd AUM CAGR is 16.72%, compared to the 5-year industry median CAGR of 9.45%, indicating faster growth and gaining its market share.

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

Aryaman Financial Services Ltd profit metrics are above the industry median level of -0.85%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	30.64	9.95
PPOP%	60	-13.31
RoA%	14.7	0.8

Q.3 Operating efficiency of Aryaman Financial Services Ltd vs industry peers?

Aryaman Financial Services Ltd ROCE (10) is above the industry median of (1.9); while the current ROE (7.5) are above than the 5-year average Industry ROE (1.2). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	30.64	9.95
PPOP%	60	-13.31
RoA%	14.7	0.8
ROCE%	20.5	1.9
ROE%	15.2	1.2

Valuation & price assessment

Q.1 Stock return of Aryaman Financial Services Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 41.1% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	41.1%	75.2%	70.9%	15.2%

Q.3 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	80.24	88.65	33.72
Price to Book	13.4	7.72	0.94
Price to Sales	34.6	24.19	12.44
EV to EBITDA	57.46	59.90	9.97

Q.4 Valuation ratios of Aryaman Financial Services Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 13.4% is higher than its historical median of 7.72%, indicating that at the current price the stock is overvalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Aryaman Financial Services Ltd return on invested capital (ROIC) is 15.22% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

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