Arman Financial Services Limited has informed the Exchange regarding a press release dated May 28, 2026, titled "Press Release on Financials Results for quarter and year ended on March 31, 2026".
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Arman Financial Services reported FY26 results with AUM at an all-time high of ₹2,728 Crore, up 21.5% YoY, driven by 42% growth in disbursements to ₹2,433 Crore. However, Gross Total Income declined 11.5% YoY to ₹646 Crore, while Pre-Provisioning Operating Profit fell 32.3% to ₹226 Crore, indicating margin compression. Profit After Tax grew 8.7% YoY to ₹57 Crore for FY26, with Q4 PAT at ₹41 Crore (up 221% YoY). The microfinance segment via Namra contributed AUM of ₹1,999 Crore with PAT of ₹13 Crore, while the standalone MSME/Two-Wheeler/LAP segment had AUM of ₹730 Crore with PAT of ₹41 Crore. Asset quality improved with consolidated GNPA at 3.43% and NNPA at 0.93%. The company highlighted recovery from prior credit stress periods with collection efficiency at 96.9%.
Despite strong AUM growth and improved profitability in Q4, the revenue decline and significant PPoP compression signal margin pressure. Shareholders should note the company's recovery path but also watch for sustained margin improvement in FY27.