What the business is, and whether it's a good one at a fair price.
Operates as a Gujarat-based non-banking financial company (NBFC) lending to underserved and small-business borrowers, running two arms: a standalone book of MSME, two-wheeler and loan-against-property (LAP) loans, and a microfinance subsidiary called Namra Finance. FY26 consolidated assets under management (AUM) stood at ₹2,728 crore, up 21.5% YoY, with disbursements of ₹2,433 crore, up 42% YoY, served through 529 branches across 11 states and roughly 6.3 lakh customers. The portfolio is split across microfinance (47.1% of AUM), individual business loans (26%), MSME (20.3%), two-wheeler (3.4%) and LAP (2.9%), with the group moving beyond the joint-liability-group (JLG) microfinance model into individual loans, micro-LAP and a solar-loan pilot. Asset quality improved to consolidated GNPA of 3.43% and NNPA of 0.93%, with collection efficiency of 95.8% and December collection efficiency at 96.3%, and credit guarantee cover from CGFMU extended to 82% of the MFI portfolio. Capital is funded through a mix of bank, DFI and securitisation debt, with Q3 FY26 alone seeing ₹522 crore of debt raised and a board approval for up to ₹500 crore via NCDs; CRAR was 27.86% standalone and 41.01% at Namra, with ₹247 crore of liquidity. The largest cost line is employee expense at 23.3% of revenue, with other opex at 9.7%, and FY26 PAT came in at ₹56.6 crore (up 8.7% YoY) on revenue of ₹645.9 crore, which was down 11.5% YoY.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
Loading peers…
Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
Loading financials…
Who owns it — and is the promoter stake clean?
Loading shareholding…
Sign up to see the full company file
Governance, sustainability, compliance, earnings calls, presentations, events, reactions and the full filings feed — free with an account.
Answered from ARMAN FIN SERV LTD's filed financials and exchange disclosures
ARMAN FIN SERV LTD is a Finance company listed on NSE and BSE, trading under the symbol ARMANFIN.
Yes. Over the trailing twelve months ARMAN FIN SERV LTD reported a net profit of ₹116 Cr on revenue of ₹697 Cr.
Not in the latest reported year — ARMAN FIN SERV LTD's dividend payout for FY26 was nil.
Effectively yes. It holds ₹88 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, ARMAN FIN SERV LTD ranks 107 of 212 in Non Banking Financial Company (NBFC) — cheaper than 50% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session ARMAN FIN SERV LTD moves 1.60% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by ARMAN FIN SERV LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
