Arman Financial Services Limited
NSE: ARMANFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Arman Financial Services Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Arman Financial Services Limited is an Indian non-banking financial company that provides financing for two and three-wheeler vehicles. Through its subsidiary, Namra Finance Limited, it also offers microfinance services and loans to micro, small, and medium enterprises.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio, including vehicle financing and microfinance products. It operates through a distributed network of 239 branches and 55 dealer touchpoints to reach its target customer base.
- Branch Network:239
- Dealer Touchpoints:55
Growth Outlook
Growth is expected to be driven by the expansion of its microfinance and MSME lending portfolios across its existing branch network. The company continues to leverage its established presence in the vehicle financing segment to capture demand in semi-urban and rural markets.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the microfinance and MSME segments default on their loan obligations.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulations from the Reserve Bank of India that may impact its lending operations and capital requirements.
- Interest Rate Risk. Fluctuations in interest rates can affect the company's net interest margins and the cost of borrowing funds for onward lending.
- Geographic Concentration. Operating primarily in specific regions of India exposes the company to localized economic downturns or regional socio-political instability.
Start your research today
Unlock AI insights, financials, peers and live data on Arman Financial Services Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹697 Cr
TTM · consolidated
NET PROFIT
₹116 Cr
TTM · consolidated
EPS
₹110.77
TTM · consolidated
RETURN ON EQUITY
12.9%
TTM · consolidated
P/E
18.7x
Q1 FY27 · consolidated
NET PROFIT MARGIN
22.4%
Q1 FY27 · consolidated
DEBT TO EQUITY
1.1%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Arman Financial Services LimitedARMANFIN | ₹2,176 Cr | 18.68 | — | 0.0% | — | 12.9% | — | +46.3% |
Mufin Green Finance LimitedMUFIN | ₹2,726 Cr | 66.13 | — | 29.8% | — | 8.9% | — | +60.3% |
Grand Oak Canyons Distillery LimitedGRANDOAK | ₹1,808 Cr | — | — | — | — | — | — | — |
PTC India Financial Services LimitedPFS | ₹1,730 Cr | 7.76 | — | -22.5% | — | 7.6% | — | -29.7% |
Balmer Lawrie Investments LimitedBLIL | ₹1,610 Cr | 12.34 | — | 8.8% | 14.0% | 20.0% | — | -23.1% |
Ugro CapitalUGROCAP | ₹1,341 Cr | 8.51 | — | 16.5% | — | 5.7% | — | -51.6% |
As of Q1 FY27
Financials
Arman Financial Services Limited
NSE: ARMANFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Arman Financial Services Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Arman Financial Services Limited is an Indian non-banking financial company that provides financing for two and three-wheeler vehicles. Through its subsidiary, Namra Finance Limited, it also offers microfinance services and loans to micro, small, and medium enterprises.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio, including vehicle financing and microfinance products. It operates through a distributed network of 239 branches and 55 dealer touchpoints to reach its target customer base.
- Branch Network:239
- Dealer Touchpoints:55
Growth Outlook
Growth is expected to be driven by the expansion of its microfinance and MSME lending portfolios across its existing branch network. The company continues to leverage its established presence in the vehicle financing segment to capture demand in semi-urban and rural markets.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the microfinance and MSME segments default on their loan obligations.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulations from the Reserve Bank of India that may impact its lending operations and capital requirements.
- Interest Rate Risk. Fluctuations in interest rates can affect the company's net interest margins and the cost of borrowing funds for onward lending.
- Geographic Concentration. Operating primarily in specific regions of India exposes the company to localized economic downturns or regional socio-political instability.
Start your research today
Unlock AI insights, financials, peers and live data on Arman Financial Services Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹697 Cr
TTM · consolidated
NET PROFIT
₹116 Cr
TTM · consolidated
EPS
₹110.77
TTM · consolidated
RETURN ON EQUITY
12.9%
TTM · consolidated
P/E
18.7x
Q1 FY27 · consolidated
NET PROFIT MARGIN
22.4%
Q1 FY27 · consolidated
DEBT TO EQUITY
1.1%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27