| Revenue growth | FY26 Gross Total Income at ₹433 crores. |
|---|---|
| Margins | Yields stable/improving; credit cost ballpark target around 3% for FY27. |
| Demand visibility | Strong underlying credit demand remains intact despite macroeconomic headwinds. |
| Management confidence | High; cited industry moving beyond most difficult phase into stable growth. |
Growth
Consolidated PAT grew 220% YoY for Q4 to ₹41cr and 9% for FY26 to ₹57cr.
Outlook
Targeting 25% growth in MSME and LAP for FY27; aiming to reduce opex-to-AUM from 9% to 7%.
Risks
Global uncertainty, West Asia conflict, and inflationary pressures on rural borrower behavior.
Last quarter's promises, checked
Delivered
- Guided Q4 growth better than Q3 → delivered Q4 PAT ₹41cr vs Q3 ₹22cr (= BEAT)
- Targeted monthly LAP disbursement ₹1cr by March → delivered via record Q4 disbursements (= BEAT)
- Guided MFI GNPA reduction in Q4 → delivered 3.4% to lower trend (= BEAT)
Partly delivered
- Guided FY27 growth ~25% → current AUM growth at 22% (= PARTIAL)
Earnings Call filed with NSE, NSE: ARMANFIN. Summary written with AI assistance from 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.
More from Arman Financial Services Ltd
All →Arman Financial Services Other Announcement
Arman Financial Services Limited announced the reconstitution of various board committees, effective September 25, 2026. This is a routine administrative governance update for the company.
Arman Financial Services Debt & Borrowing: ₹3.43 Cr
Arman Financial Services Limited paid Rs. 3.43 Crore in quarterly interest for its non-convertible debentures. The payment was completed on the scheduled due date of September 25, 2026.
- Value
- ₹3.43 Cr
Arman Financial Services Employee Stock Options
Arman Financial Services allotted 31,571 equity shares to employees under its ESOP schemes. This allotment increases the total paid-up share capital.
Arman Financial Services Other Announcement
Arman Financial Services has issued letters to shareholders regarding the 34th AGM notice and Annual Report for FY 2025-26, and reminded them to complete KYC formalities.
Arman Financial Services Annual General Meeting
Arman Financial Services will hold its 34th Annual General Meeting on September 28, 2026, via video conferencing. E-voting facilities are available for shareholders.
Arman Financial Services Annual Report
Arman Financial Services Limited has released its Annual Report for the financial year 2025-26 and scheduled its 34th Annual General Meeting for September 28, 2026.