Arnold Holdings

BSE: ARNOLD · Non Banking Financial Company (NBFC)

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Snapshot

Unlock Arnold Holdings's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Arnold Holdings Limited is a Mumbai-based non-banking financial company (NBFC) that provides inter-corporate loans, personal loans, and short-term trade financing. The company serves the working capital needs of small and medium enterprises while engaging in the trading of shares and securities.

Business Model

The company generates revenue primarily through interest income from its lending portfolio and capital gains derived from its investment activities in the securities market. It maintains a lean operational structure to serve underserved market segments within the Indian financial landscape.

Growth Outlook

Growth is expected to be driven by the company's focus on niche lending and its ability to leverage credit assessment capabilities to meet the working capital requirements of SMEs. The firm continues to position itself as a strategic lender within the evolving Indian NBFC sector.

Key Risks

  • Credit Risk. The company faces potential losses if borrowers are unable to meet their repayment obligations, particularly within the SME segment.
  • Market Risk. Fluctuations in the equity markets can significantly impact the company's revenue due to its active trading in shares and securities.
  • Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India which may impact operational flexibility.
  • Liquidity Risk. The company's reliance on short-term financing and market-linked investments may lead to liquidity constraints during periods of financial market volatility.

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Key Metrics

REVENUE

₹167 Cr

TTM · standalone

-17.0%YoY

NET PROFIT

₹4 Cr

TTM · standalone

-26.8%YoY

EPS

₹5.99

TTM · standalone

+113.9%YoY

RETURN ON EQUITY

6.4%

TTM · standalone

-3.1 ppYoY

P/E

2.1x

Q4 FY26 · standalone

2.1 vs 14.2x5Y avg

NET PROFIT MARGIN

-5.4%

Q4 FY26 · standalone

+6.2 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Arnold HoldingsARNOLD
₹33 Cr2.33-17.0%6.4%-39.8%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials