ALFA Finder| 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
- ₹1,562.80
- Market cap
- ₹1,648 Cr
- Revenue (annual)
- ₹645.9 Cr
- Net profit (annual)
- ₹56.61 Cr
- P/E (TTM)
- 10.3×Sector 21.0×
- Promoter holding
- 21.93%-0.07% QoQ
- FII holding
- 2.85%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 Investor Presentation: Key Takeaways
Q2FY27 PAT ₹51.5 Cr (vs ₹8.0 Cr); PBT ₹69.2 Cr. Record AUM ₹3,209 Cr (+50.6% YoY). GNPA 2.73%, NNPA 0.92%. Disciplined growth post-FY26 clean-up.
Arman Financial Services Employee Stock Options
Arman Financial Services allotted 1,260 equity shares to employees under its ESOP-2023 scheme. No transaction value is stated for the allotment.
Arman Financial Services Debt & Borrowing: ₹0.23 Cr
Arman Financial Services Limited paid a monthly interest of Rs. 0.23 Crore on its Non-Convertible Debentures. The payment corresponds to ISIN INE109C07105 for an issue size of Rs. 40 Crore.
- Value
- ₹0.23 Cr
Arman Financial Services Results Update
Arman Financial Services reported record quarterly consolidated PAT of ₹51 Crore for Q2 FY27, up 544% YoY. Consolidated AUM grew 51% YoY to cross ₹3,209 Crore.
Arman Financial Services Debt & Borrowing: ₹387.3 Cr
Arman Financial Services Ltd submitted its asset cover certificate for the quarter ended September 30, 2026. The company maintains a 110% security cover on its outstanding secured non-convertible debentures.
- Value
- ₹387.3 Cr
Arman Financial Services Q2 FY27 Results: Net Profit ₹51.5 Cr, Up 543.8% YoY
Arman Financial Services Ltd reported revenue from operations of ₹234.6 Cr (+47.4% YoY) and net profit of ₹51.5 Cr (+543.8% YoY) for Q2 FY27.
- Key figure
- Net profit ₹51.5 Cr · +543.8% YoY