ARMAN FIN SERV LTD
ARMANFIN · General/Diversified · NSE
₹1,604
Current Market Price
Fair Value (P/B + Residual Income)
₹1,604
Discount to FV
+0.0%
Updated just now
YieldIQ Score
49/100
Piotroski F-Score
7/9
Economic Moat
Narrow
Confidence
7%
ROE
6.1%
Debt/Equity
1.90
Cost of Equity
11.1%
Market Cap
₹1,686 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
7.0%
Return on capital employed
Revenue CAGR (3Y)
16.2%
3-year revenue growth
Revenue CAGR (5Y)
58.8%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,603.5
Bear case
Margin of Safety -50.0%
Implied upside -33.3%
Base case
Margin of Safety +0.0%
Implied upside +0.0%
Bull case
Margin of Safety +16.7%
Implied upside +20.0%
Ratio Trends
ARMANFIN · last 8 annual periods
ROE
6.1%
ROCE
7.0%
Operating Margin
—
Debt / Equity
1.90×
PE
25.0×
EV / EBITDA
16.3×
Historical Financials
ARMANFIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹223 Cr | ₹389 Cr | ₹616 Cr | ₹644 Cr | ₹609 Cr | +28.6% |
| EBITDA | ₹46.6 Cr | ₹126 Cr | ₹230 Cr | ₹249 Cr | ₹191 Cr | +42.2% |
| EBIT | ₹135 Cr | ₹297 Cr | ₹494 Cr | — | — | +38.3% |
| PAT | ₹31.7 Cr | ₹93.8 Cr | ₹174 Cr | ₹52.1 Cr | ₹56.6 Cr | +15.6% |
| EPS (diluted) | ₹37.36 | ₹107.28 | ₹192.76 | — | — | +50.7% |
| CFO | ₹-281 Cr | ₹-718 Cr | ₹-302 Cr | ₹493 Cr | ₹-476 Cr | — |
| CapEx | ₹-0.9 Cr | ₹-2.4 Cr | ₹-2.4 Cr | ₹-25.4 Cr | ₹-3.1 Cr | — |
| FCF | ₹-282 Cr | ₹-720 Cr | ₹-305 Cr | ₹467 Cr | ₹-480 Cr | — |
| Total Assets | ₹1241 Cr | ₹2038 Cr | ₹2635 Cr | ₹2227 Cr | ₹2798 Cr | +22.5% |
| Total Debt | ₹990 Cr | ₹1604 Cr | ₹1725 Cr | ₹1232 Cr | ₹1776 Cr | +15.7% |
| Shareholders' Equity | ₹213 Cr | ₹366 Cr | ₹813 Cr | ₹874 Cr | ₹933 Cr | +44.7% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
ARMANFIN vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
PFS PFS | — | — | Pending | 7.9% | — |
 SPANDANA SPANDANA | — | — | Pending | -39.3% | — |
UGROCAP UGROCAP | — | — | Pending | 7.0% | — |
MUFIN MUFIN GREEN FINANCE LTD | +0.0%+0.0% upside | 61 | Near Fair Value | 4.9% | — |
SATIN SATIN | — | — | Pending | 7.3% | — |
Click a ticker to view its fair-value analysis.
Dividend History
4 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
—
Last payout
2019-09-13
₹1.40
Peak payout
₹1.40
Trailing yield
—
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. ARMAN FIN SERV LTD (ARMANFIN.NS) trades at 1603.50 vs a model fair value of 1603.50, a gap of 0.0%. Piotroski F-score: 7/9. Moat label: N...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of ARMANFIN →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for ARMANFIN →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse ARMANFINNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.