Arman Financial Services Ltd
Ticker: ARMANFIN
Decent
56/100
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Investing Reference
Price
1631.40
Market Cap
1715.08
Debt/Equity
1.4093
ROE %
6.173
PB
1.9614
Promoter %
22.000
Pledge %
0.000
1Y Rev Growth %
10.356
5Y Rev Growth %
27.679
NP Margin %
7.132
NP Margin 5Y Avg %
14.890
Trading Reference
1M Return %
12.293
6M Return %
3.845
1Y Return %
10.126
% Away 52W High
12.456
% Away 52W Low
46.980
Daily Volume
8849
Investment Verdict
Hold
Score 72/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 48/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
Arman Financial Services Ltd shows potential for growth in the microfinance sector, backed by strong fundamentals and increasing demand.
✅ Positives
- Strong loan growth and portfolio diversification
- Robust asset quality and low NPA ratios
- Experienced management team with industry expertise
⚠️ Negatives
- High competition in the microfinance sector
- Regulatory risks impacting operational flexibility
- Dependence on external funding sources
Verdict
Moderate growth potential with manageable risks.
Recommendation: Consider buying on dips for long-term gains.
Upside Probability: 30% | Downside Probability: 15%
Last generated: 29/10/2025
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Business Overview
Arman Financial Services Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses through tailored financial solutions. With a strong focus on customer-centric services, Arman caters to a diverse clientele, including small enterprises and aspiring entrepreneurs. The company plays a crucial role in enhancing financial inclusion and supporting economic growth in the region. Its commitment to transparency and ethical practices fosters trust and reliability among clients.
- Leading financial services provider in India
- Focus on empowering individuals and businesses
- Tailored financial solutions for diverse clientele
- Enhancing financial inclusion and economic growth
- Commitment to transparency and ethical practices
Investment Thesis
Arman Financial Services Ltd presents a compelling investment opportunity, driven by a robust promoter group with a proven track record, significant growth potential in digital services, and attractive valuations compared to peers. This combination positions the company for sustainable growth and value creation.
- Strong promoter credibility enhances investor confidence.
- Expanding digital services align with market trends and consumer preferences.
- Valuations remain attractive, offering a margin of safety.
- Proven business model with consistent performance metrics.
- Favorable macroeconomic conditions support financial service growth.
Opportunity vs Risk
Opportunities
- Strong growth in digital finance
- Increasing demand for personal loans
- Expansion into new markets
- Robust customer base
- Innovative financial products
Risks ⚠️
- Regulatory changes impacting operations
- High competition in fintech sector
- Economic downturn affecting loan repayments
- Credit risk from borrowers
- Market volatility impacting stock price
Peer Perspective
Arman Financial Services Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, reflecting concerns over margin stability; a focus on growth acceleration could trigger a rerating in the near term.
Future Outlook
Arman Financial Services Ltd is well-positioned for growth, leveraging its innovative strategies and market presence. However, successful execution and effective cost control will be crucial to achieving its ambitious targets.
AI FAQs for Retail Users
- Q: What does Arman Financial Services Ltd do?A: Arman Financial Services Ltd provides financial services, including loans and investment solutions to individuals and businesses.
- Q: Is Arman Financial Services Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research and consult a financial advisor.
- Q: What are the risks of investing in Arman Financial Services Ltd?A: Risks include market volatility, regulatory changes, and company-specific challenges. Always consider these factors before investing.
- Q: How can I buy shares of Arman Financial Services Ltd?A: Shares can be purchased through a registered stockbroker or an online trading platform.
- Q: What is the company's financial performance?A: Review the latest financial statements and reports for insights on revenue, profit, and growth trends.
📊 Stock Investment Checklist (100 Points)
Arman Financial Services Ltd • Updated: 2025-09-17 01:16:45
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10BusinessHighThe financial services sector is evolving with digital transformation, but Arman needs to establish a clearer competitive edge.
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10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are moderate, with OCF showing some volatility.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth drivers are present, but execution risks remain significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 56 / 100
• Decent
Arman Financial Services Ltd shows potential for growth but faces challenges in profitability and valuation. Investors should monitor execution risks closely.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100