| Management target | Revenue 27.5% FY27 |
|---|
| Revenue growth | 34% YoY growth in gross total income. |
|---|---|
| Margins | Consolidated NIM healthy at 17.4%; yield improvement in microfinance. |
| Order book | AUM at record ₹2,925 Cr. |
| Demand visibility | Strong; record first quarter disbursements achieved. |
| Management confidence | High on internal credit/collection but cautious on macro environment. |
Growth
Consolidated Gross Total Income rose 34% YoY to ₹202 Cr. Disbursements reached ₹686 Cr, up 76% YoY.
Outlook
Aims to reduce opex to 7% of AUM from current 8.5%. GUIDED 25-30% AUM growth for FY27.
Risks
Management remains cautious due to macroeconomic uncertainties and localized stress in Telangana; monsoon-related disruptions noted in Gujarat and UP.
Last quarter's promises, checked
Delivered
- Guided 25% MSME growth for FY27 → delivered 36% YoY AUM growth (= BEAT)
- Targeted opex reduction from 9% to 7% → delivered 8.5% (current) / 44.3% cost-to-income (= BEAT)
- Targeted 3% credit cost → delivered lower impairment costs and improved asset quality (= BEAT)
Partly delivered
- Guided 20-25% LAP growth → delivered record AUM but noted flat disbursements in last 6 months (= PARTIAL)
Earnings Call Transcript filed with BSE, 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
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Arman Financial Services Other Announcement
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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.