531179 Stock Overview
Arman Financial Services Limited, together with its subsidiary, Namra Finance Limited, operates as a non-banking finance company in India.
Arman Financial Services Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₹1,315.40|
|52 Week High||₹1,565.00|
|52 Week Low||₹679.25|
|1 Month Change||-8.59%|
|3 Month Change||11.94%|
|1 Year Change||57.01%|
|3 Year Change||145.43%|
|5 Year Change||526.53%|
|Change since IPO||52,516.00%|
Recent News & Updates
|531179||IN Consumer Finance||IN Market|
Return vs Industry: 531179 exceeded the Indian Consumer Finance industry which returned -4.4% over the past year.
Return vs Market: 531179 exceeded the Indian Market which returned -1.9% over the past year.
|531179 Average Weekly Movement||8.0%|
|Consumer Finance Industry Average Movement||6.1%|
|Market Average Movement||5.9%|
|10% most volatile stocks in IN Market||9.2%|
|10% least volatile stocks in IN Market||3.8%|
Stable Share Price: 531179 is more volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: 531179's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of Indian stocks.
About the Company
Arman Financial Services Limited, together with its subsidiary, Namra Finance Limited, operates as a non-banking finance company in India. The company offers micro finance; micro, small, and medium enterprise loans; and urban and rural two-wheeler finance. It operates through a network of 291 branches and approximately 55 dealer touchpoints.
Arman Financial Services Fundamentals Summary
|531179 fundamental statistics|
Is 531179 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|531179 income statement (TTM)|
|Cost of Revenue||₹0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||51.65|
|Net Profit Margin||34.21%|
How did 531179 perform over the long term?See historical performance and comparison
Is 531179 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 1/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 531179?
Other financial metrics that can be useful for relative valuation.
|What is 531179's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does 531179's PE Ratio compare to its peers?
|531179 PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
REPCOHOME Repco Home Finance
539874 Ujjivan Financial Services
539844 Equitas Holdings
532900 Paisalo Digital
531179 Arman Financial Services
Price-To-Earnings vs Peers: 531179 is expensive based on its Price-To-Earnings Ratio (25.5x) compared to the peer average (19x).
Price to Earnings Ratio vs Industry
How does 531179's PE Ratio compare vs other companies in the IN Consumer Finance Industry?
Price-To-Earnings vs Industry: 531179 is good value based on its Price-To-Earnings Ratio (25.5x) compared to the Indian Consumer Finance industry average (28.6x)
Price to Earnings Ratio vs Fair Ratio
What is 531179's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||25.5x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 531179's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of 531179 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 531179 (₹1315.4) is trading above our estimate of fair value (₹257.89)
Significantly Below Fair Value: 531179 is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Arman Financial Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Arman Financial Services has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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How has Arman Financial Services performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 531179 has high quality earnings.
Growing Profit Margin: 531179's current net profit margins (34.2%) are higher than last year (7.5%).
Past Earnings Growth Analysis
Earnings Trend: 531179's earnings have grown by 19.5% per year over the past 5 years.
Accelerating Growth: 531179's earnings growth over the past year (394%) exceeds its 5-year average (19.5% per year).
Earnings vs Industry: 531179 earnings growth over the past year (394%) exceeded the Consumer Finance industry 14.6%.
Return on Equity
High ROE: Whilst 531179's Return on Equity (20.62%) is high, this metric is skewed due to their high level of debt.
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How is Arman Financial Services's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: 531179's short term assets (₹12.2B) exceed its short term liabilities (₹6.8B).
Long Term Liabilities: 531179's short term assets (₹12.2B) exceed its long term liabilities (₹3.5B).
Debt to Equity History and Analysis
Debt Level: 531179's net debt to equity ratio (398.4%) is considered high.
Reducing Debt: 531179's debt to equity ratio has increased from 165.1% to 465.3% over the past 5 years.
Debt Coverage: 531179's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if 531179's interest payments on its debt are well covered by EBIT.
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What is Arman Financial Services's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Cash Flow Coverage
Dividend Yield vs Market
|Arman Financial Services Dividend Yield vs Market|
|Company (Arman Financial Services)||0%|
|Market Bottom 25% (IN)||0.4%|
|Market Top 25% (IN)||1.6%|
|Industry Average (Consumer Finance)||0.6%|
|Analyst forecast in 3 Years (Arman Financial Services)||n/a|
Notable Dividend: Unable to evaluate 531179's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 531179's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 531179's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 531179's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: 531179 is not paying a notable dividend for the Indian market.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as 531179 has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jayendra Patel (71 yo)
Mr. Jayendrabhai B. Patel, also known as Jayendra, B.Sc has been Managing Director and Vice Chairman of Arman Financial Services Limited since October 2005 and serves as its Chief Executive Officer. Mr. Pa...
Experienced Management: 531179's management team is considered experienced (4.5 years average tenure).
Experienced Board: 531179's board of directors are seasoned and experienced ( 10 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 531179 insiders have only sold shares in the past 3 months.
Recent Insider Transactions
|29 Aug 22||Sell₹2,984,363||Himani Manakiwala||Individual||2,000||₹1,492.18|
|24 Jun 22||Sell₹761,307||Himani Manakiwala||Individual||700||₹1,087.58|
|09 Jun 22||Sell₹1,296,949||Himani Manakiwala||Individual||1,120||₹1,157.99|
|Owner Type||Number of Shares||Ownership Percentage|
|State or Government||185,685||2.2%|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Arman Financial Services Limited's employee growth, exchange listings and data sources
- Name: Arman Financial Services Limited
- Ticker: 531179
- Exchange: BSE
- Founded: 1992
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: ₹11.003b
- Shares outstanding: 8.49m
- Website: https://www.armanindia.com
Number of Employees
- Arman Financial Services Limited
- 502-503, Sakar III
- Opposite Old High Court
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|531179||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Jul 1998|
|ARMANFIN||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Jul 1998|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/29 00:00|
|End of Day Share Price||2022/09/29 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.