# Arman Financial Services Ltd (ARMANFIN)
> Exchange: NSE | Sector: NBFC & Finance | ISIN: 

## Price
Current Price: ₹1701.8
Day Change: -0.66%
52W High: ₹1903.15
52W Low: ₹1256.1
Market Cap: ₹1,886 Cr

## Valuation
P/E: 67.12
P/B: 2.16
EPS: ₹26.73
Book Value: ₹831.24
Dividend Yield: 0%

## Returns
1Y Return: 9.36%

## Profitability
ROE: 0%
ROCE: 12.61%
Debt/Equity: 1.37
Revenue Growth: 161.1%
Profit Growth: 0%
EBITDA Margin: 0%
Operating Margin: 34.32%

## About
Arman Financial Services Ltd is a Credit Services company listed on NSE. The page combines exchange quotes, financial statements, shareholding, filings, and news so investors can review the business in one place.
Sector: NBFC & Finance
Industry: Credit Services
Sub Industry: Unknown

## Business Model
Overview: Arman Financial Services Ltd makes money through Interest income, Fees and commissions, Treasury and investment income in Credit Services. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within NBFC & Finance.
Source: Derived from stock data
Revenue Streams:
- Interest income
- Fees and commissions
- Treasury and investment income
Operating Model:
- Mobilises deposits or borrowings, underwrites credit, and earns spreads after credit costs.
- Asset quality, capital adequacy, and funding cost drive through-cycle performance.
Recent Context:
- Announcement: Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
- Announcement: Outcome Of Income Tax Appeal - Order Received Under Section 250 Of The Income-Tax Act, 1961
- BSE Filing: Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

## Access
Current tier: anonymous
More history: Register free to see 1 more year.

## Data Freshness
Quote Updated: 2026-05-21T20:00:00.503Z
Price History Updated: 2026-05-17T21:24:14.968Z
Latest Price History Date: 2026-05-17
Technicals Updated: 2026-05-17T21:24:14.968Z
Quant Updated: 2026-05-17T21:24:14.968Z
Sentiment Updated: 2026-05-17T21:24:14.968Z
Financials Status: current
Financials Updated: 2026-05-19T01:31:42.538Z
Financials Last Attempt: 2026-05-19T01:31:42.538Z
Financials Provider Tried: yahoo
Latest P&L Period: FY25
Latest Balance Sheet Period: FY25
Latest Cash Flow Period: FY25

## P&L (FY25)
Revenue: ₹616.71 Cr
Operating Profit: ₹193.34 Cr (OPM 31.35%)
Net Profit: ₹52.07 Cr
Tax: ₹17.02 Cr

## Annual P&L History
FY25: Rev ₹616.71Cr | PAT ₹52.07Cr | OPM 31.35%
FY24: Rev ₹586.53Cr | PAT ₹173.57Cr | OPM 32.91%
FY23: Rev ₹388.53Cr | PAT ₹93.81Cr | OPM 34.18%

## Balance Sheet (FY25)
Total Assets: ₹2227.32 Cr
Total Liabilities: ₹1352.9 Cr
Borrowings: ₹1232.32 Cr
Cash: ₹67.75 Cr

## Shareholding
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## Board
- Jayendrabhai Bhailalbhai Patel B.Sc., Whole-time Director & CEO
- Aalok Jayendrabhai Patel, Vice Chairman & MD
- Vivek Arun Modi, Group CFO & Executive Director
- Govindarajan  Moorthy, Chief Risk Officer
- Atulkumar M. Patel, Chief Accountant

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Source: rupiya.io/stocks/armanfin
Disclaimer: For research and education only. Not investment advice.