What is CAGR? What does CAGR table indicate for Arman Financial Services Ltd.?

Compounded average growth rate (CAGR) measures the average annual growth rate compounded year-on-year over a period of time.

Arman Financial Services Ltd. Stock Analysis

Q: Is Arman Financial Services Ltd. a good quality company?

MoneyWorks4Me analysed the past 10-year performance of Arman Financial Services Ltd. and arrived at the following conclusion.

Q: Is the current market price of Arman Financial Services Ltd. a good price to buy it?

The 5-year analysis of Arman Financial Services Ltd.'s performance infers.

Q: What is Arman Financial Services Ltd. share price return in the past 10 years?

We analysed the performance of Arman Financial Services Ltd. share prices over the last 10 years. Here is what we found out:

Small Cap

Evaluated by 279 users | BSE: 531179 | NSE: ARMANFIN |
Finance - NBFC

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...

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

What is a Financial Track Record? How to read this chart in order to understand the data present here?

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'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
Operating Income (Rs. Cr.)	11.5	15.5	16.7	18.3	15.2	15.9	16.6	27.3	46.6	67.1
Y-o-Y Gr. Rt.	-	35.4%	8%	9.2%	-16.6%	4.5%	4%	64.9%	70.6%	44%
Adjusted EPS (Rs.) Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items	4.45	7.51	5.9	4.93	4.01	3.6	3.61	4.63	17.77	21.58
Y-o-Y Gr. Rt.	-	68.8%	-21.4%	-16.4%	-18.7%	-10.2%	0.3%	28.3%	283.8%	21.4%
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	22.73	29.31	39.98	47.09	49.6	51.51	55.12	58.06	136.57	142.09
Y-o-Y Gr. Rt.	-	29%	36.4%	17.8%	5.3%	3.9%	7%	5.3%	135.2%	4%

To view Net Profit/Total Funds (%) Colour Rating Guide click here

Net Profit/Total Funds (%)

4.6

5.19

4.36

4.05

3.18

2.83

2.74

2.52

5.77

6.32

Difference between Standalone Basis and Consolidated basis? Which method is preferred for Arman Financial Services Ltd. ?

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

	9 yrs	5 yrs	3 yrs	1 yr
Operating Income	21.7%	34.5%	59.4%	44%
Adjusted EPS Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.	19.2%	40%	81.5%	21.4%
Book Value per Share	22.6%	23.4%	37.1%	4%
Share Price	40.2%	23.7%	36.9%	8.6%

Key Financial Ratios

RATIOS \ YEARS	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
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 (%)	0	0	0	0	0	0	0	0	0	0
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 (%)	0	0	0	0	0	0	0	0	0	0
Margins
Net Profit Margin (%)	15.83	19.74	19.91	18.69	18.24	15.66	15.09	11.74	26.51	27.17
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 (%)	21.21	28.86	19.3	12.38	8.31	7.12	6.77	8.18	18.29	16.96

Management X-Ray

Shareholding Pattern

Entity	Percentage Holding
Promoters	27.51%
Institutions	1.76%
Non-Institutions	70.74%

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

FAQs

1. Is Arman Financial Services Ltd. a good quality company?

Data is not available for this company.

2. Is current market price of Arman Financial Services Ltd. a good price to buy it?

The 5-year analysis of Arman Financial Services Ltd.'s performance infers:

Arman Financial Services Ltd. earnings have grown by 40%, whereas share price has appreciated 23.7% CAGR over the past five years, indicating the company's share price is likely undervalued. However, for specific investment actions please connect with your investment advisor.

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

We analysed the performance of Arman Financial Services Ltd. share prices over the last 10 years. Here is what we found out:

Arman Financial Services Ltd. share price has appreciated 36% annually over the past ten years.

About Company

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

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 itâ€™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 `7â€™ 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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