ALFA Finder| 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
- ₹1,639.80
- Market cap
- ₹1,730 Cr
- Revenue (annual)
- ₹645.9 Cr
- Net profit (annual)
- ₹56.61 Cr
- P/E (TTM)
- 10.8×Sector 20.8×
- 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