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Arman Financial Services Q4 Results Live : Arman Financial Services declared their Q4 results on 27 May, 2024. The topline increased by 21.72% & the profit increased by 40.38% YoY. As compared to the previous quarter the revenue grew by 8.66% and the profit increased by 20.99%.The Selling, general & administrative expenses rose by 19.66% q-o-q & increased by 51.19% Y-o-Y. The operating income was up by 1.18% q-o-q & increased by 12.67% Y-o-Y. The EPS is ₹71.23 for Q4 which increased by 49.29% Y-o-Y. Arman Financial Services has delivered 1.78% return in the last 1 week, -3.66% return in last 6 months and -14.92% YTD return. Currently the Arman Financial Services has a market cap of ₹2173.33 Cr and 52wk high/low of ₹2680 & ₹1545 respectively.

Arman Financial Services Q4 profit rise by 40.38% YOY

The financial report of Arman Financial Services Ltd  for the recent quarter highlights a robust growth momentum, primarily driven by Micro-Finance and MSME business segments. The consolidated Asset Under Management (AUM) witnessed a notable surge, reaching INR 2,437 Crore, marking a significant 48% year-on-year growth and a 6% sequential increase. Disbursements for the period amounted to INR 1,628 Crore, reflecting a substantial 43% year-on-year growth. The company reported a strong financial performance across various metrics. Net total income for the 9-month period surged by 66% year-on-year to INR 276 Crore, with Q3 FY24 net total income growing by 65% to INR 98 Crore. Pre-Provision Operating Profit (PPoP) recorded a remarkable 92% year-on-year growth for the 9 months, standing at INR 205 Crore. In terms of borrowing and liquidity profile, the company has successfully diversified its funding sources, raising INR 89 Crore through listed Non-Convertible Debentures (NCDs) in 9M FY24. Additionally, it maintains a healthy liquidity position with INR 355 Crore in cash/bank balance and undrawn CC limits.

Arman Financial: Strong Q3 FY24 Performance and Expansion Plans

Net Sales at Rs 44.12 crore in September 2024 up 30.61% from Rs. 33.78 crore in September 2023. Quarterly Net Profit at Rs. 7.93 crore in September 2024 down 10.7% from Rs. 8.88 crore in September 2023. EBITDA stands at Rs. 23.00 crore in September 2024 down 8.04% from Rs. 25.01 crore in September 2023. Arman Financial EPS has decreased to Rs. 7.57 in September 2024 from Rs. 10.45 in September 2023. Arman Financial shares closed at 1,261.55 on November 22, 2024 (NSE) and has given -39.63% returns over the last 6 months and -41.40% over the last 12 months.

Arman Financial Standalone September 2024 Net Sales at Rs 44.12 crore, up 30.61% Y-o-Y

The group operates in a business segment that is unsecured in nature, exposing itself to credit risk. However, with a strong underwriting mechanism, the net NPA (NNPA) ratio remained controlled. The company is also exposed to regulatory risks associated with adverse changes in the regulations guiding such NBFCs, and event-based risks associated with microfinancing

Entities in the Arman Group borrow on a standalone basis. Lenders’ profile for both companies are different, where AFSL borrowed majorly from capital market in FY24 with 58%, however, in H1FY25, its majority borrowings were in form of term loan with 53%.

The Issuer has made timely Interest Payments

Jayendra B Patel, MD

Mr. Patel is the founder member of Gujarat Finance Companies Association. He is supported by Mr. Aalok Patel, Joint Managing Director, who has more than 15 years of experience in the financial sector. Further, Mr. Alok Prasad is the present Chairman on the Board of AFSL, who is also on the Board of the company and is having 35 years of experience in regulatory, banking and financial services. The Board is well represented by nine directors with adequate and relevant experience in the corporate and finance domains.

AFSL caters to low-income customers by providing lending services for two-wheeler (TW) financing, financing for MSME and loan against property (LAP) and NFL provides microfinance loans. The group’s AUM has been on a rising trend over the years, reaching AUM of ₹2,639 crore as on March 31, 2024, up by 36% y-o-y. 


The group reported an 85% y-o-y rise in profit after tax (PAT) in FY25 with ₹174 crore, underpinned by strong growth in loans. In H1FY25, the group reported PAT of ₹47 crore

Security Name: 10.20% Arman Financial Services Limited 25 Jan 2026

ISIN:

INE109C07097

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Arman Financial Services Limited

Recent News

Arman Financial Services Q4 profit rise by 40.38% YOY

Arman Financial: Strong Q3 FY24 Performance and Expansion Plans

Arman Financial Standalone September 2024 Net Sales at Rs 44.12 crore, up 30.61% Y-o-Y

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