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Arman Financial Services Ltd . Small Cap

BSE: 531179 | NSE: ARMANFIN
Finance
Live
20/04/2021 4:00:00 PM
528.50 -19.45   (-3.55%)
BSE: price shown with 5 mins delayed.
Prev. Close 547.95
Open Price 551.05
Volume Traded 9270.00

Fundamentals

Mar'11 Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Mar'19 Mar'20
Ajusted EPS(Rs.) 7.38 5.78 6.37 8.65 10.98 8 10.27 38.02 49.13
Net Sales (Rs. Cr.) 15.5 16.98 24.47 29.6 40.69 53.57 78.01 139.4 214.03
Adjusted Net Profit 3.06 3.34 4.53 6.15 8 6.32 7.29 26.39 41.51
Book Value/ Share(Rs.) 29.31 40 48.68 56.07 65.65 73.65 82.17 177.23 203.79
Cash Flow 7.42 -2.38 7.78 0.64 -6.67 10.29 -9.41 30.34 20.10
Debt to Cash Flow from Operations 9.77 -2.36 -12.02 13.48 -134.45 7.09 -1.95 -2.77 -9.25
RONW 15.54 15.74 16.05 16.99 18.60 11.76 13.18 29.35 28.11
ROCE % 18.19 15.37 16.69 16.64 17.70 16.84 13.32 16.03 17.71
Net Operating Profit Margin % 30.00 28.62 27.71 32.08 30.20 18.96 13.04 26.30 25.36
Net Profit Margin % 19.74 19.67 18.51 20.80 19.66 11.79 9.36 18.93 19.30
Debt / Equity 1.84 2.21 2.35 2.31 2.58 2.72 4.85 5.59 4.43
Dividend Yield % 3.02 2.81 5.14 0.97 0.96 0.23 0.26 0.26 0.00
Mar'11 Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Mar'19 Mar'20
Ajusted EPS(Rs.) 4.31 7.38 5.76 4.76 3.77 3.32 3.61 4.63 17.77 21.58
Net Sales (Rs. Cr.) 11.42 15.5 16.74 18.28 15.24 15.92 16.56 27.31 46.6 67.11
Adjusted Net Profit 1.81 3.06 3.33 3.42 2.77 2.50 2.49 3.19 12.31 18.24
Book Value/ Share(Rs.) 22.72 29.31 39.98 47.09 49.6 51.51 55.12 58.06 137.81 142.87
Cash Flow 0.41 5.42 -1.57 8.79 -2.06 -10.09 -0.54 0.08 4.27 -4.27
Debt to Cash Flow from Operations -2.04 9.80 -2.80 1.49 -24.16 4.74 30.11 -3.08 -2.14 -21.31
RONW 0.00 0.00 15.70 12.36 8.31 7.11 6.77 8.19 18.18 16.85
ROCE % 18.21 19.40 15.60 15.08 12.39 12.01 10.81 13.52 15.90 16.43
Net Operating Profit Margin % 24.17 30.00 28.91 28.12 29.18 24.31 23.46 16.76 32.64 32.72
Net Profit Margin % 15.85 19.74 19.89 18.71 18.23 15.64 15.08 11.75 25.55 26.02
Debt / Equity 3.45 2.62 2.21 1.81 1.36 1.23 1.15 1.89 1.94 1.54
Dividend Yield % 5.06 3.02 2.81 5.14 0.97 0.96 0.23 0.26 0.24 0.00

Year on Year Growth Rate (%)

Ajusted EPS Sales Adjusted Net Profit

Latest Financials

Standalone Consolidated
TTM EPS (Rs) 11.38 15.96
TTM Sales (Rs. Cr.) 63.76 201.85
BVPS (Rs.) 146.13 213.74
Reserves (Rs. Cr.) 115.55 172.94
P/BV 3.62 2.47
PE 48.15 34.33271
From the Market
52 Week High / Low (Rs) 815/287.3
All Time High / Low (Rs) 449.7/0.46
Volume Traded 9270
Market Cap (Rs. Cr.) 465.12
Equity (Rs. Cr.) 8.488384
Face Value (Rs) 10
Industry PE 0

Quarterly Results

Mar'2020 Jun'2020 Sep'2020 Dec'2020
Net Sales (Cr) 16.47 16.18 16.44 14.67
Adjusted EPS (Rs) 2.54 3.86 2.00 3.00
Net Profit Margin % 13.05 20.15 10.34 17.38
Mar'2020 Jun'2020 Sep'2020 Dec'2020
Net Sales (Cr) 54.82 49.06 50.77 47.20
Adjusted EPS (Rs) 4.51 6.28 1.78 3.44
Net Profit Margin % 6.95 10.82 2.97 6.19

Quarterly Growth Rate (%)

Ajusted EPS Sales Net Profit Margin

Peers Data

Name Current Price(Rs) Market Cap. (Rs. cr.) Net Profit(Rs. cr.) Sales Growth(%)
K K Fincorp Ltd 0 3.36 0.01 -68.00
Utique Enterprises Ltd 2.09 11.25 2.97 -74.79
Williamson Magor & Company Ltd 17.4 20.44 -76.33 -52.13
Stanrose Mafatlal Investment & Finance Ltd 81.5 34.34 -8.14 -74.29
Alfred Herbert (India) Ltd 605 47.09 0.86 -28.71
Arman Financial Services Ltd 528.5 465.12 18.24 -29.78
Cholamandalam Investment & Finance Company Ltd 539.15 43199.61 1052.37 -18.47
Muthoot Finance Ltd 1142.05 45862.7 3018.3 -11.26
Bajaj Finserv Ltd 9821.05 150718.28 666.86 -90.64
Bajaj Finance Ltd 4610 269841.62 4881.12 -26.35
Housing Development Finance Corporation Ltd 2414.9 449859.14 17769.65 -37.94

Technical

Sector

26505.76 -279.93   (-1.05%)

Index

47705.80 -243.62   (-0.51%)
9 Days Avg
Span A Span B 52 Week TenKan-Sen Kijun-Sen ChiKou-Sen
9 Days Avg

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About Company

Arman Financial Services Limited (Arman) is an India-based, non-banking finance company. The Company provides two wheeler, three wheeler financing, inter-corporate deposit (ICD), micro financing and personal financing. The Company operates through two segments: JLG Microfinance and Asset-backed Microfinance (two-wheeler/three-wheeler financing). Arman's Micro Finance operations have 14 branches operational all over Gujarat in urban, semi-urban and rural areas. Arman Financial Services Limited was originally incorporated on November 26, 1992 as an earstwhile Arman Lease & Finance Ltd. The company is a public limited listed company. It issued 28,00,000 Equity shares of Rs. 10 each on August 21, 1995 aggregating to Rs 280 lacs after receiving an overwhelming response from the public for its public issue which was oversubscribed by 7 times in the category of small investor and more than 22 times in case of applicants with application of more than 1000 shares.The main objects of the company consist of providing a wide spectrum of financial services both Fund based and Non Fund Based activities which includes term loans, collateral free credit, other forms of credits, thrift and savings and insurance. Arman also plans to render financial services to people by acting as intermediary for banks and financial institutions in the cities, towns, villages of India. During the fiscal year ended March 31, 2010, the Asset-backed Microfinance segment had 5,315 active borrowers, and the portfolio outstanding stood at approximately 2.9 billion. Arman operates all over the Ahmedabad. Its loans sizes are small and are within the repayment capacity of the borrower. They qualify for little higher loan if they repay the first loan. The Company does not have brokers in Micro finance. It only lends to group of ladies where in if one borrower defaults, the whole group is made responsible.