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Bearish
3
Neutral
2
Bullish
9
Bearish
34
Neutral
2
Bullish
10
Bearish
31
Neutral
0
Bullish
1
Discovery themes featuring this stock
Arman Financial Services Limited is an India-listed NBFC focused on small-ticket retail lending across microfinance (via wholly-owned Namra Finance), MSME loans, two-wheeler financing and a growing Loan Against Property (LAP) franchise, operating from 524 branches across 11 states and serving roughly 620,000 active customers with in-house origination, collections and credit teams.
Operational momentum is returning: consolidated AUM reached INR 2,274 crore (Q3 FY26), 9M FY26 disbursements total INR 1,482 crore, collection efficiency improved to roughly 96.3% in December, and Namra returned to quarterly profitability in Q3, signaling portfolio stabilization after earlier stress.
Arman is well-capitalized and liquid with consolidated equity of INR 892 crore, standalone CRAR of 38.3% and Namra CRAR of 52.3%, supported by diversified funding from 40+ lenders, recent debt raises and board approval to raise up to INR 500 crore via private NCD placement for growth and liquidity flexibility.
The company is deliberately re-shaping its product mix: management targets a higher share of MSME and secured products (aiming for MSME ~35% share over time) while piloting LAP and solar loans, and scaling digital initiatives (LOS/LMS, OCR, geotagging) to improve underwriting, reduce turnaround time and raise digital collections to roughly 25%.
Finance
NBFC-Others
1,456 Cr
Moderate Risk
52.6
27.5
1.4
1.7
1,849.95
1,111.00
Sales CAGR
Profit CAGR
ROE
ROCE
Arman Financial Services Ltd (ARMANFIN) is currently trading at 1,416.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Arman Financial Services Limited is an India-listed NBFC focused on small-ticket retail lending across microfinance (via wholly-owned Namra Finance), MSME loans, two-wheeler financing and a growing Loan Against Property (LAP) franchise, operating from 524 branches across 11 states and serving roughly 620,000 active customers with in-house origination, collections and credit teams. Operational momentum is returning: consolidated AUM reached INR 2,274 crore (Q3 FY26), 9M FY26 disbursements total INR 1,482 crore, collection efficiency improved to roughly 96.3% in December, and Namra returned to quarterly profitability in Q3, signaling portfolio stabilization after earlier stress. Arman is well-capitalized and liquid with consolidated equity of INR 892 crore, standalone CRAR of 38.3% and Namra CRAR of 52.3%, supported by diversified funding from 40+ lenders, recent debt raises and board approval to raise up to INR 500 crore via private NCD placement for growth and liquidity flexibility. The company is deliberately re-shaping its product mix: management targets a higher share of MSME and secured products (aiming for MSME ~35% share over time) while piloting LAP and solar loans, and scaling digital initiatives (LOS/LMS, OCR, geotagging) to improve underwriting, reduce turnaround time and raise digital collections to roughly 25%.
Over the past 52 weeks, Arman Financial Services Ltd has traded between a low of ₹1,111.00 and a high of ₹1,849.95. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Arman Financial Services Ltd has a market capitalization of approximately 1,455.62. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Arman Financial Services Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 52.60 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 1,455.62 Cr, Arman Financial Services Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Arman Financial Services Ltd operates in the Finance sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Arman Financial Services Ltd is 52.60. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
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| Symbol | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
1643.00 | 1,778 Cr | 14.54 | 0.16 | 0.00 | 0.91 | 1.20 | 0.96 | |
101.60 | 1,638 Cr | 12.52 | 0.48 | 0.00 | 6.31 | 9.39 | 1.15 | |
365.50 | 1,638 Cr | -14.18 | 3.06 | 0.00 | 0.00 | 0.00 | — | |
1416.00 | 1,456 Cr | 52.60 | 1.67 | 0.00 | -0.12 | 10.77 | 1.32 | |
63.50 | 1,445 Cr | 38.95 | 9.14 | 0.00 | 12.49 | 15.44 | 12.24 | |
29.50 | 1,158 Cr | 29.61 | 1.72 | 0.07 | -8.56 | 1.56 | 1.96 | |
9850.00 | 1,079 Cr | 11.13 | 1.01 | 0.00 | 2.01 | 2.57 | 6.90 |
