Flash Finance

Arman Financial Services LimitedARMANFINBank / NBFC

Finance & Investments Latest results: Mar 2026 13 quarters of data
Consolidated Standalone
₹1,535.50
MCap ₹1,615 Cr · P/E 39.8
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹60 Cr
Interest Earned · Mar 2026
+19.0% YoY
—
Operating Profit · Mar 2026
₹10 Cr
Net Profit · Mar 2026
-23.0% YoY
₹9.37
EPS · Mar 2026
-23.1% YoY
3.50%
Gross NPA % · Mar 2026
0.89%
Net NPA % · Mar 2026

📝 Arman Financial Services Limited — results explained

Quarter ended March 2026 (Q4 FY26)

Arman Financial Services Limited reported total income of ₹60 crore for the quarter ended March 2026 (Q4 FY26), up 10.1% from ₹55 crore in the same quarter last year, and up 11.8% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹60 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹17 crore) worked out to ₹43 crore.

Net profit fell 23.0% year-on-year to ₹10 crore, from ₹13 crore. Earnings per share (EPS) came in at ₹9.37.

On asset quality, gross NPA stood at 3.50% and net NPA at 0.89% (gross NPA was 3.38% a year ago).

Full year and trailing twelve months

For the full year FY26, Arman Financial Services Limited posted total income of ₹217 crore, a growth of 17.2% over FY25, with a net profit of ₹41 crore (down 5.9% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹217 crore with a net profit of ₹41 crore.

Valuation snapshot

At the current price of ₹1,535.50, ARMANFIN has a market capitalisation of ₹1,615 crore and a trailing P/E of about 39.8.

Within the Finance & Investments industry, it is the 25th-largest of the 117 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 22.00%, foreign institutional investors (FIIs) 3.08%, domestic institutional investors (DIIs) 4.85%, public shareholders 70.07% of Arman Financial Services Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹1,615 Cr
Current Price ?
₹1,535.5
P/E ?
39.76above ind
Industry P/E ?
18.90
P/B ?
2.55
P/S ?
7.43
P/FCF ?
-9.12
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
3.06
Earnings Yield ?
2.5%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹217 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹41 Cr
EPS (TTM) ?
₹38.62
ROCE ?
N/A
ROE ?
6.4%
ROA ?
3.0%
Gross NPA % ?
3.50%
Net NPA % ?
0.89%
Growth
Total Income — latest qtr ?
₹60 Cr
PAT — latest qtr ?
₹10 Cr
YoY qtr sales growth ?
10.1%
YoY qtr profit growth ?
-23.0%
Sales growth (3y) ?
32%
Sales growth (5y) ?
29%
Profit growth (3y) ?
13%
Profit growth (5y) ?
38%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
22.00%
Change in promoter holding ?
-0.05%
Pledged percentage ?
N/A
Market
Return 3 months ?
-21.6%
Return 6 months ?
-1.0%

🗓️ Quarterly results (13 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026 YoY % QoQ %
Interest Earned 28293433384244455150525460 +19.0% +12.2%
Other Income -0111-00-1-041000 -95.3% -41.2%
Total Income 27303534374243455551525460 +10.1% +11.8%
Interest Expended 911121211912111212141417 +45.6% +23.2%
Operating Profit ————————————— — —
Provisions ————————————— — —
Profit Before Tax 10101311141611131716121314 -19.8% +9.6%
Net Profit 7899121381013129910 -23.0% +4.8%
EPS 8.309.5010.199.5411.0812.017.569.4112.1911.878.488.949.37 -23.1% +4.8%
Gross NPA % 2.64% 2.80% 3.11% 3.03% 2.63% 2.46% 2.83% 3.40% 3.38% 3.49% 3.77% 3.41% 3.50% — —
Net NPA % 0.63% 0.58% 0.75% 1.01% 0.89% 0.56% 0.60% 0.96% 0.95% 1.04% 0.26% 0.98% 0.89% — —
Capital Adequacy Ratio — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹182 Cr ₹216 Cr ₹216 Cr +18.6%
Other Income ₹3 Cr ₹1 Cr ₹1 Cr -58.2%
Total Income ₹185 Cr ₹217 Cr ₹217 Cr +17.2%
Interest Expended ₹44 Cr ₹57 Cr ₹57 Cr +30.9%
Net Interest Income ₹138 Cr ₹159 Cr ₹159 Cr +14.8%
Operating Profit — — — —
Provisions — — — —
Profit Before Tax ₹58 Cr ₹54 Cr ₹54 Cr -6.8%
Tax — — — —
Net Profit ₹43 Cr ₹41 Cr ₹41 Cr -5.9%
EPS ₹41.17 ₹38.66 ₹38.66 -6.1%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 8101011 +10.0%
Reserves 157524575622 +8.2%
Borrowing 386291411723 +75.9%
Other Liabilities 16221917 -10.5%
Total Liabilities 5688481,0161,372 +35.0%
Fixed Assets 122525 +0.0%
CWIP 0003 —
Investments 196281351421 +19.9%
Other Assets 370565639923 +44.4%
Total Assets 5688481,0161,372 +35.0%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -136-86-96-174 -81.2%
Cash from Investing Activity -100-77-92-71 +22.8%
Cash from Financing Activity 206232124315 +154.0%
Net Cash Flow -3068-6570 +207.7%
Free Cash Flow -136-87-121-177 -46.3%
CFO/OP -189%-86%-87%-139% -59.8%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 19%11%8%7% -12.5%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 % Chg
Promoters 22.05%22.00%22.00%22.00%22.00% +0.0%
FIIs 1.42%1.80%1.69%2.61%3.08% +18.0%
DIIs 5.08%4.83%5.03%4.18%4.85% +16.0%
Public 71.45%71.37%71.29%71.20%70.07% -1.6%
No. of Shareholders 37,60836,53134,93033,75232,079 -5.0%

⚖️ Peer comparison

Industry: Finance & Investments · top 25 of 117 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 LICI Life Insurance ₹398.20 503,723 8.4 881,845 60,055 -7.5% 6.8% 10.0% 18.9% -43.2% 24.0%
2 SBILIFE SBI Life ₹1,671.70 167,740 67.9 112,315 2,471 0.7% 2.2% -3.9% 2.4% -82.4% -1.1%
3 ICICIGI ICICI Lombard ₹1,508.90 75,386 29.5 27,196 2,556 5.4% 9.4% 12.7% 10.6% -3.2% 15.4%
4 ICICIPRULI ICICI Prudential ₹496.90 72,089 44.8 63,356 1,608 0.3% 2.5% -10.5% 35.7% -79.7% 62.1%
5 GICRE General Insurance ₹337.75 59,255 6.7 51,723 8,877 16.9% 17.2% 6.8% 30.0% -8.6% -31.1%
6 MFSL Max Financial ₹1,585.90 54,444 492.4 49,823 137 0.5% 0.3% 2.6% -73.9% 16.7% 37.5%
7 STARHEALTH Star Health ₹555.55 32,689 38.7 18,509 844 4.4% 4.6% 10.7% -13.8% 16.2% 109.0%
8 NIACL New India ₹171.56 28,273 36.7 49,363 771 -1.3% 1.6% 14.3% 36.4% -3.6% -160.7%
9 GODIGIT Go Digit ₹250.90 23,196 47.1 10,128 492 0.7% 4.9% 6.8% 28.0% 5.5% -37.4%
10 FIVESTAR Five-Star Business ₹549.40 16,218 14.7 3,293 1,103 11.0% 33.5% 13.3% 2.3% 5.9% 2.0%
11 NIVABUPA Niva Bupa ₹74.77 13,830 38.1 7,598 360 4.2% 4.7% 24.6% -38.5% 65.8% 251.4%
12 PRUDENT Prudent Corporate ₹3,123.30 12,933 52.8 1,372 246 24.2% 17.9% 19.5% 13.8% 18.2% 43.8%
13 EDELWEISS Edelweiss Financial ₹126.74 11,996 17.1 10,508 711 27.5% 6.8% 12.5% 27.1% 3.7% 30.5%
14 IIFLCAPS IIFL Capital ₹344.80 10,867 18.8 2,433 572 35.0% 23.5% 0.6% -20.8% 2.3% 4.6%
15 SBFC SBFC Finance ₹87.70 9,745 20.1 1,783 480 9.8% 26.9% 28.6% 30.7% 26.7% 28.8%
16 RELIGARE Religare Enterprises ₹223.35 7,700 n/m 8,953 18 0.7% 0.2% 14.8% -60.3% 26.5% -687.3%
17 PAISALO Paisalo Digital ₹76.83 7,023 29.4 943 237 0.0% 25.1% 22.0% 19.1% 33.8% 56.5%
18 FEDFINA Fedbank Financial ₹150.76 5,655 12.9 2,563 434 12.9% 16.9% 7.1% 52.2% 34.3% 63.4%
19 MASFIN MAS Financial ₹288.85 5,241 13.3 2,092 398 7.1% 19.0% 24.8% 19.4% 20.3% 26.6%
20 NORTHARC Northern Arc ₹301.00 4,865 12.0 2,705 404 0.0% 14.9% 14.8% 34.2% 22.7% 250.0%
21 PILANIINVS Pilani Investment ₹4,020.00 4,451 — 248 -12 87.1% -4.9% -6.4% -68.5% -70.9% -1075.5%
22 SHAREINDIA Share India ₹183.78 4,022 11.1 1,577 364 40.1% 23.1% 1.5% -1.2% 31.4% 48.1%
23 KIRLOSIND Kirloskar Industries ₹3,690.00 3,878 50.6 113 76 71.5% 67.0% 9.0% -2.1% -27.9% -9.4%
24 INDOSTAR IndoStar Capital ₹239.15 3,866 — 1,417 -395 6.6% -27.8% 74.4% 15.7% -76.0% -97.9%
25 ARMANFIN Arman Financial ₹2,016.20 2,120 37.5 646 56 0.0% 8.7% -11.4% 7.7% -11.6% 215.4%
❓ Frequently asked questions
What was Arman Financial Services Limited's total income in Q4 FY26?
Arman Financial Services Limited reported total income of ₹60 crore for the quarter ended March 2026 (Q4 FY26), up 10.1% from ₹55 crore in the same quarter last year, and up 11.8% sequentially over the December 2025 quarter.
What was Arman Financial Services Limited's net profit in Q4 FY26?
Net profit fell 23.0% year-on-year to ₹10 crore, from ₹13 crore. Earnings per share (EPS) came in at ₹9.37.
What is ARMANFIN's market capitalisation and P/E ratio?
At the current price of ₹1,535.50, ARMANFIN has a market capitalisation of ₹1,615 crore and a trailing P/E of about 39.8.
What are Arman Financial Services Limited's NPA levels?
On asset quality, gross NPA stood at 3.50% and net NPA at 0.89% (gross NPA was 3.38% a year ago).
Who owns Arman Financial Services Limited? (shareholding pattern)
As of Jun 2026, promoters held 22.00%, foreign institutional investors (FIIs) 3.08%, domestic institutional investors (DIIs) 4.85%, public shareholders 70.07% of Arman Financial Services Limited.
TTM ends 2026-03-31. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI