Arman Financial Services Valuation

Q: What is the Fair Price of ARMANFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

ARMANFIN (₹1275.5) is trading above our estimate of [[fair value]] (₹808.37)

Is ARMANFIN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of ARMANFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ARMANFIN (₹1275.5) is trading above our estimate of fair value (₹808.37)

Significantly Below Fair Value: ARMANFIN is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ARMANFIN?

Key metric: As ARMANFIN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ARMANFIN. This is calculated by dividing ARMANFIN's market cap by their current earnings.
What is ARMANFIN's PE Ratio?
PE Ratio	9.6x
Earnings	₹1.39b
Market Cap	₹13.42b

ARMANFIN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

How does ARMANFIN's PE Ratio compare to its peers?

The above table shows the PE ratio for ARMANFIN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	27.7x
SATIN Satin Creditcare Network	4.3x	35.8%	₹16.7b
508954 Finkurve Financial Services	67.4x	n/a	₹12.5b
511766 Muthoot Capital Services	11.8x	n/a	₹5.7b
SPANDANA Spandana Sphoorty Financial	27.3x	84.8%	₹26.1b
ARMANFIN Arman Financial Services	9.6x	n/a	₹13.4b

Price-To-Earnings vs Peers: ARMANFIN is good value based on its Price-To-Earnings Ratio (9.6x) compared to the peer average (27.7x).

Price to Earnings Ratio vs Industry

How does ARMANFIN's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 Company	Price / Earnings	Estimated Growth	Market Cap
523384 Maha Rashtra Apex	0.6x	n/a	US$24.19m

No more companies available in this PE range

1 Company		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: ARMANFIN is good value based on its Price-To-Earnings Ratio (9.6x) compared to the Indian Consumer Finance industry average (21.2x).

Price to Earnings Ratio vs Fair Ratio

What is ARMANFIN'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.

ARMANFIN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	9.6x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate ARMANFIN's Price-To-Earnings Fair Ratio for valuation analysis.

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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