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Arman Financial Services Ltd Stock Analysis

Small Cap
Evaluated by 316 users | BSE: 531179 | NSE: ARMANFIN |
Finance - NBFC
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10YEAR X-RAY

10 Year X-Ray

Standalone basis Standalone basis P Consolidated basis P

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
 Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Operating Income (Rs. Cr.)15.516.718.315.215.916.627.346.667.160.458
Y-o-Y Gr. Rt.-8%9.2%-16.6%4.5%4%64.9%70.6%44%-10.1%-
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
7.515.94.934.013.63.614.6317.7721.589.428.03
Y-o-Y Gr. Rt.--21.4%-16.4%-18.7%-10.2%0.3%28.3%283.8%21.4%-56.4%-
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
29.3139.9847.0949.651.5155.1258.06136.57142.09150.43152.83
Y-o-Y Gr. Rt.-36.4%17.8%5.3%3.9%7%5.3%135.2%4%5.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)5.194.364.053.182.832.742.525.776.322.65-
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Arman Financial Services Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  10 yrs 5 yrs 3 yrs 1 yr
Operating Income16.3%30.5%30.3%-10.1%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
2.6%21.2%26.7%-56.4%
Book Value per Share
19.9%23.9%37.4%5.9%
Share Price 43.3% 28.9% 46.8% 74.5%
Key Financial Ratios
RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Asset Quality Ratio
To view Asset Quality Ratio Colour Rating Guide click here
Asset Quality Ratio: Colour Rating Guide
  • <0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1 : Not Good
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio
To view Capitalization Ratio Colour Rating Guide click here
Capitalization Ratio: Colour Rating Guide
  • >17% : Very Good
  • 15%-17% : Somewhat Good
  • <15% : Not Good
Capital Adequacy Ratio (%)0000000000-
Margins
Net Profit Margin (%) 19.7419.9118.6918.2415.6615.0911.7426.5127.1713.2511.82
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 28.8619.312.388.317.126.778.1818.2916.966.465.26
Price Chart
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shareholding patterns

Shareholding Pattern

Entity Percentage Holding
Promoters 27.45%
Institutions 4.99%
Non-Institutions 67.55%
shareholding patterns

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
shareholding patterns

FAQs

1. Is Arman Financial Services a good quality company?
Data is not available for this company.
2. Is current market price of Arman Financial Services a good price to buy it?

Arman Financial Services Ltd's earnings have grown by 21.2%, whereas share price has appreciated 28.9% CAGR over the past five years, indicating the company’s share price is likely overvalued. However, for specific investment actions please consult your investment advisor.

3. What is Arman Financial Services share price return in the past 10 years ?

Arman Financial Services Ltd share price has appreciated 43.3% annually (CAGR) over the past ten years.

4. Is Arman Financial Services a good long term investment?

Data is not available for this company.

shareholding patterns

About Arman Financial Services

Arman Financial Services is a category A non-banking finance company was originally incorporated on 26th November, 1992 as an erstwhile Arman Lease & Finance Ltd. The company is a public limited listed company. The registered office of the company is located 502-503, Sakar III, Opposite Old High Court, Ahmedabad-380014, Gujarat.

The main objects of the company consist of providing a wide spectrum of financial services both Fund based and Non Fund Based

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Arman Financial Services is a category A non-banking finance company was originally incorporated on 26th November, 1992 as an erstwhile Arman Lease & Finance Ltd. The company is a public limited listed company. The registered office of the company is located 502-503, Sakar III, Opposite Old High Court, Ahmedabad-380014, Gujarat.

The main objects of the company consist of providing a wide spectrum of financial services both Fund based and Non Fund Based activities which includes term loans, collateral free credit, other forms of credits, thrift and savings and insurance. Arman also plans to render financial services to people by acting as intermediary for banks and financial institutions in the cities, towns, villages of India. The company provides loans for two wheelers, used cars, rickshaws and personal loans. It provides a wide spectrum of financial services like lease/hire purchase, hypothecation, bill discounting, investment in primary and secondary market, merchant banking, portfolio management, loan syndication and loans for education, marriage, travel, and other services.

Arman has rich experience in two and three wheeler segment with all it’s clientele based in Ahmedabad. The company has a database of 20,000 clients with proven credit worthiness which is advantageous for a personal loan or a repeat vehicle loan. The Company was originally rated by ICRA, the noted rating agency and it was assigned credit rating of `7’ which was indicative of safe borrowing from the Bank.

The company has been rated 4 different times by noted rating agency called M-Cril and company has each time received Alpha Minus which is an investment grade. The last time in March 2009 the company received even Alpha for its financial performance.

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Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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