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Earnings Call

Arman Financial Services Earnings Call: Key Takeaways

Arman Financial Services reported FY26 consolidated AUM of ₹2,728 Cr (21.5% YoY) with PAT at ₹57 Cr (8.7% YoY). The company maintains a diversified rural/semi-urban lending focus across MFI, MSME, and LAP segments.

Why this was an Alfa AlertNot a filter event. Financial performance aligns with steady growth; no material guidance beat >10% reported.
Highlights
Revenue growthGross Total Income for FY26 was ₹645.9 Cr.
MarginsFY26 NIM at 17.2% (Q4); Yield at 25.6% (Q4).
Demand visibilityStrong growth in MFI and MSME segments; piloting solar loans.

Growth

AUM grew 22% YoY to ₹2,728 Cr; Disbursements jumped 42% YoY to ₹2,433 Cr. FY26 PAT reached ₹57 Cr.

Outlook

Targeting INR 5000+ Cr AUM by leveraging MFI, MSME, LAP, and Two-Wheeler segments with healthy capital adequacy.

Risks

Asset quality shows GNPA at 3.43% and NNPA at 0.93%. Collection efficiency stabilized at 95.8% for FY26.

Source

Earnings Call filed with BSE, NSE: ARMANFIN. Summary written with AI assistance from the document.

Read the document ↗

Arman Financial Services Ltd: key numbers

Share price
₹1,885.60
Market cap
₹1,989 Cr
Revenue (annual)
₹645.9 Cr
Net profit (annual)
₹56.61 Cr
P/E (TTM)
17.1×Sector 22.0×
Promoter holding
22.00%+0.00% QoQ
FII holding
3.08%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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