Arman Financial Services Ltd Share Price ₹1,647

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Arman Financial Services Ltd

Quarter-by-quarter operating performance

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue +	149	150	160	169	183	184	181	165	199	151	159	160	176
Interest	63	64	67	71	63	65	65	57	52	52	50	51	53
Expenses +	37	35	34	42	55	78	93	114	134	110	91	80	80
Financing Profit	49	50	59	56	65	41	23	-6	13	-11	18	29	42
Financing Margin %	33%	34%	37%	33%	36%	22%	13%	-4%	7%	-7%	12%	18%	24%
Other Income +	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	49	50	58	55	65	41	22	-7	13	-11	18	29	42
Tax %	26%	20%	30%	24%	21%	24%	32%	5%	-1%	31%	55%	22%	3%
Net Profit +	36	40	41	42	51	31	15	-7	13	-15	8	22	41
EPS in Rs	42.63	47.02	46.86	42.91	48.51	29.87	14.56	-6.92	12.16	-13.90	7.60	21.10	39.01
Gross NPA %	2.80%	2.50%	2.48%	2.83%	2.88%	2.68%	3.74%	4.13%	3.37%	3.45%	3.70%	3.46%
Net NPA %	0.20%	0.10%	0.23%	0.33%	0.31%	0.22%	0.64%	0.67%	0.55%	0.51%	0.50%	0.79%

Financials of Arman Financial Services Ltd

Annual income statement trend

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue +	30	41	54	78	139	214	195	235	424	661	730	646
Interest	11	16	24	34	59	88	79	89	172	266	240	205
Expenses +	9	12	20	34	44	72	103	99	126	166	419	361
Financing Profit	9	12	10	10	37	53	13	46	126	229	71	79
Financing Margin %	32%	30%	19%	13%	26%	25%	6%	20%	30%	35%	10%	12%
Other Income +	0	0	0	0	0	1	0	-0	0	0	0	0
Depreciation	0	0	0	0	0	1	1	1	1	1	2	2
Profit before tax	9	12	10	10	36	54	12	46	125	228	69	77
Tax %	33%	34%	36%	26%	27%	23%	10%	30%	25%	24%	25%	27%
Net Profit +	6	8	6	7	26	42	11	32	94	174	52	57
EPS in Rs	10.77	13.99	11.05	12.76	45.98	49.13	12.51	37.35	110.46	165.67	49.64	53.85
Dividend Payout %	13%	12%	11%	9%	4%	0%	0%	0%	0%	0%	0%	0%

Financials of Arman Financial Services Ltd

Capital structure and asset base

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	7	7	7	7	7	8	8	8	8	10	10	11
Reserves	32	39	44	50	116	164	178	204	355	802	864	923
Borrowing	93	143	157	395	612	698	721	990	1,607	1,725	1,232	1,776
Other Liabilities +	6	7	7	12	18	26	32	39	68	97	121	89
Total Liabilities	137	195	215	465	753	896	940	1,241	2,038	2,635	2,227	2,798
Fixed Assets +	2	2	3	3	4	4	4	5	6	8	31	32
CWIP	0	0	0	0	0	0	0	0	0	0	0	3
Investments	0	1	2	3	3	3	3	6	19	7	39	92
Other Assets +	136	192	210	459	746	888	933	1,231	2,013	2,620	2,157	2,671
Total Assets	137	195	215	465	753	896	940	1,241	2,038	2,635	2,227	2,798

Financials of Arman Financial Services Ltd

Operating, investing and financing cash movement

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	7	-1	21	-203	-221	-76	6	-281	-718	-302	493
Cash from Investing Activity +	-1	-7	-2	-12	-1	2	2	-2	-13	18	-49
Cash from Financing Activity +	-5	1	-9	205	252	94	22	270	681	376	-495
Net Cash Flow	1	-7	10	-9	30	20	30	-12	-49	92	-51
Free Cash Flow	6	-2	21	-203	-222	-77	5	-282	-720	-305	467
CFO/OP	49%	12%	74%	-447%	-223%	-41%	13%	-194%	-232%	-49%	168%

Financials of Arman Financial Services Ltd

Working capital efficiency and return ratios

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	17%	19%	13%	14%	29%	28%	6%	16%	33%	30%	6%	6%