Arman Financial Services Ltd.
Snapshot View

676.30 -10.50 ▼-1.5%

23 July 2021, 04:00:00 P.M.
Volume: 530

Overview View Details

Sector Finance Compare with Sector peers
Industry Finance - NBFC Compare with Industry peers
Website http://www.armanindia.com
Financial Indicators
Market Cap 575.68 Cr.
Earnings per share (EPS) 12.51 Trailing Twelve Months Ending 2021-03
Price-Earning Ratio (PE) 54.23 Trailing Twelve Months Ending 2021-03
Industry PE 89.07 Trailing Twelve Months Ending 2021-03
Book Value / Share 220.02 Trailing Twelve Months Ending 2021-03
Price to Book Value 3.08 Calculated using Price: 678.20
Dividend Yield 0.00 Period Ending 2020-03
No. of Shares Subscribed 0.85 Cr. 8,488,384 Shares
FaceValue 10
Company Profile

Arman Financial Services is a category A non-banking finance company was originally incorporated on 26th November, 1992 as an erstwhile Arman Lease & Finance Ltd. The company is a public limited listed company. The registered office of the company is located 502-503, Sakar III, Opposite Old High Court, Ahmedabad-380014, Gujarat.

The main objects of the company consist of providing a wide spectrum of financial services both Fund based and Non Fund Based activities which includes term loans, collateral free credit, other forms of credits, thrift and savings and insurance. Arman also plans to render financial services to people by acting as intermediary for banks and financial institutions in the cities, towns, villages of India. The company provides loans for two wheelers, used cars, rickshaws and personal loans. It provides a wide spectrum of financial services like lease/hire purchase, hypothecation, bill discounting, investment in primary and secondary market, merchant banking, portfolio management, loan syndication and loans for education, marriage, travel, and other services.

Arman has rich experience in two and three wheeler segment with all it’s clientele based in Ahmedabad. The company has a database of 20,000 clients with proven credit worthiness which is advantageous for a personal loan or a repeat vehicle loan. The Company was originally rated by ICRA, the noted rating agency and it was assigned credit rating of `7’ which was indicative of safe borrowing from the Bank.

The company has been rated 4 different times by noted rating agency called M-Cril and company has each time received Alpha Minus which is an investment grade. The last time in March 2009 the company received even Alpha for its financial performance.

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
-1.53%
1 Week
-3.05%
1 Month
+0.71%
3 Month
+19.50%
6 Month
-3.39%
1 Year
+43.45%
2 Year
+74.46%
5 Year
+147.19%
9 years 2012-03 2013-03 2014-03 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03
Return on Equity (%) 25.62 19.36 16.09 16.98 18.98 13.11 13.52 29.49 28.25
Return on Capital Employed (%) 18.21 15.38 16.71 16.63 17.16 16.34 13.34 16.04 17.71
Return on Assets (%) 4.56 4.36 4.45 4.68 4.52 2.88 2.06 4.24 4.93

Balance Sheet View Details

Particulars 9 years 2012-03 Rs. Cr. 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Shh. Funds 20 23 34 39 50 56 57 123 172
Non Curr. Liab. 4 6 10 22 46 48 222 570 670
Curr. Liab. 43 57 73 84 112 127 200 73 75
Minority Int.
Equity & Liab. 67 86 117 146 208 231 478 767 918
Non Curr. Assets 13 17 15 18 36 38 93 7 8
Curr. Assets 54 69 102 128 172 194 385 760 910
Misc. Exp. not W/O
Total Assets 67 86 117 146 208 231 478 767 918

Profit Loss View Details

Particulars 9 years 2012-03 Rs. Cr. 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Net Sales 16 17 24 30 41 54 78 139 212
Other Income 0 0 0 0 0 0 1 1 4
Total Income 16 17 25 30 41 54 79 140 215
Total Expenditure -5 -6 -9 -10 -13 -21 -35 -44 -72
PBIDT 10 11 16 20 28 33 44 96 143
Interest -6 -6 -9 -11 -15 -23 -34 -59 -88
Depreciation 0 0 0 0 0 0 0 0 -1
Taxation -1 -1 -2 -3 -4 -4 -3 -10 -12
Exceptional Items
PAT 3 3 5 6 8 6 7 26 42

Cash Flow View Details

Particulars 9 years 2012-03 Rs. Cr. 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Cash Fr. Operatn. 4 -24 -6 7 -1 21 -203 -221 -75
Cash Fr. Inv. 0 0 -2 -1 -7 -2 -12 -1 2
Cash Fr. Finan. 4 22 16 -5 1 -9 205 252 94
Net Change 7 -2 8 1 -7 10 -9 30 20
Cash & Cash Eqvt 8 6 13 14 7 18 8 38 58

Shareholding Pattern View Details

9 Qtrs 2019-06 (%) 2019-09 (%) 2019-12 (%) 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%) 2021-06 (%)
Promoter 39.75 39.59 27.66 27.65 27.65 27.51 27.47 27.46 27.46
Public 60.25 60.41 72.34 72.35 72.35 72.49 72.53 72.54 72.54
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Fri, 23 Jul 2021
Announcement under Regulation 30 (LODR)-Newspaper Publication
Pursuant to Regulation 30 of SEBI (Listing Obligations & Disclosure Requirements) Regulations 2015 we enclose herewith a copy of notice w.r.t. transfer of Equity Shares of the Company to Investor Education and Protection Fund (IEPF) published in English and vernacular language (Gujarati) newspapers on July 23 2021 in Indian Express and Financial Express.
Thu, 22 Jul 2021
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate
Intimation under Regulation 39 (3) of SEBI (Listing Obligations & Disclosure Requirements) Regulations 2015
Wed, 14 Jul 2021
Shareholding for the Period Ended June 30 2021
Arman Financial Services Ltd has submitted to BSE the Shareholding Pattern for the Period Ended June 30 2021. For more details kindly Click here

Technical Scans View Details

Fri, 23 Jul 2021
Strongly Outperforming Benchmark Index Strongly Outperforming Benchmark Index
Strongly Outperforming Sectoral Index Strongly Outperforming Sectoral Index
Both SRS And ARS Below Zero Both SRS And ARS Below Zero
Close Crossing 20 EMA From Above Close Crossing 20 EMA From Above
ADX Crossing 25 From Above ADX Crossing 25 From Above

Related Stocks View Details

Stock Name Market Cap(Rs. Cr.) LTP Chg %
Housing Development Finance Corporation Ltd. 448,567.16 2,484.10 -0.2%
Bajaj Finance Ltd. 373,000.18 6,179.65 -0.3%
Bajaj Finserv Ltd. 210,061.43 13,200.00 +1.0%
HDFC Life Insurance Co Ltd. 134,563.33 665.45 +0.5%
SBI Life Insurance Company Ltd. 105,070.28 1,050.55 +2.5%
ICICI Prudential Life Insurance Company Ltd. 92,590.70 644.50 +1.4%
SBI Cards And Payment Services Ltd. 90,058.38 957.00 +1.6%
Stock Name Statement TTM Ending Price Earning Ratio(TTM) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 23.94 2,484.10 -0.2%
Bajaj Finance Ltd. Consolidated 2021-06 83.63 6,179.65 -0.3%
Bajaj Finserv Ltd. Consolidated 2021-06 51.38 13,200.00 +1.0%
HDFC Life Insurance Co Ltd. Consolidated 2021-06 114.05 665.45 +0.5%
SBI Life Insurance Company Ltd. Standalone 2021-03 72.17 1,050.55 +2.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-06 191.31 644.50 +1.4%
SBI Cards And Payment Services Ltd. Standalone 2021-03 91.47 957.00 +1.6%
Stock Name Statement TTM Ending Price To Book Value(TTM) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 2.89 2,484.10 -0.2%
Bajaj Finance Ltd. Consolidated 2021-06 9.92 6,179.65 -0.3%
Bajaj Finserv Ltd. Consolidated 2021-06 5.64 13,200.00 +1.0%
HDFC Life Insurance Co Ltd. Consolidated 2021-06 58.72 665.45 +0.5%
SBI Life Insurance Company Ltd. Standalone 2021-03 10.41 1,050.55 +2.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-06 10.95 644.50 +1.4%
SBI Cards And Payment Services Ltd. Standalone 2021-03 14.27 957.00 +1.6%
Stock Name Statement Year Ending Debt Equity Ratio LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 2.88 2,484.10 -0.2%
Bajaj Finance Ltd. Consolidated 2021-03 3.60 6,179.65 -0.3%
Bajaj Finserv Ltd. Consolidated 2021-03 3.57 13,200.00 +1.0%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 0.07 665.45 +0.5%
SBI Life Insurance Company Ltd. Standalone 2020-03 0.00 1,050.55 +2.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 0.14 644.50 +1.4%
SBI Cards And Payment Services Ltd. Standalone 2020-03 3.26 957.00 +1.6%
Stock Name Statement Year Ending Return On Equity(%) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 9.67 2,484.10 -0.2%
Bajaj Finance Ltd. Consolidated 2021-03 12.86 6,179.65 -0.3%
Bajaj Finserv Ltd. Consolidated 2021-03 21.95 13,200.00 +1.0%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 17.65 665.45 +0.5%
SBI Life Insurance Company Ltd. Standalone 2020-03 17.40 1,050.55 +2.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 11.97 644.50 +1.4%
SBI Cards And Payment Services Ltd. Standalone 2020-03 28.24 957.00 +1.6%
Stock Name Statement Year Ending Return On Capital Employed(%) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 8.05 2,484.10 -0.2%
Bajaj Finance Ltd. Consolidated 2021-03 9.38 6,179.65 -0.3%
Bajaj Finserv Ltd. Consolidated 2021-03 11.90 13,200.00 +1.0%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 16.90 665.45 +0.5%
SBI Life Insurance Company Ltd. Standalone 2020-03 17.30 1,050.55 +2.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 12.54 644.50 +1.4%
SBI Cards And Payment Services Ltd. Standalone 2020-03 15.21 957.00 +1.6%
Stock Name Statement Year Ending Net Sales(Rs. Cr.) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 139,039.23 2,484.10 -0.2%
Bajaj Finance Ltd. Consolidated 2021-03 26,689.57 6,179.65 -0.3%
Bajaj Finserv Ltd. Consolidated 2021-03 60,591.20 13,200.00 +1.0%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 665.45 +0.5%
SBI Life Insurance Company Ltd. Standalone 2020-03 1,050.55 +2.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 644.50 +1.4%
SBI Cards And Payment Services Ltd. Standalone 2020-03 9,276.40 957.00 +1.6%
Stock Name Statement Year Ending Profit After Tax(Rs. Cr.) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 13,566.08 2,484.10 -0.2%
Bajaj Finance Ltd. Consolidated 2021-03 4,419.82 6,179.65 -0.3%
Bajaj Finserv Ltd. Consolidated 2021-03 7,367.56 13,200.00 +1.0%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 1,360.87 665.45 +0.5%
SBI Life Insurance Company Ltd. Standalone 2020-03 1,422.18 1,050.55 +2.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 956.16 644.50 +1.4%
SBI Cards And Payment Services Ltd. Standalone 2020-03 1,244.82 957.00 +1.6%