ScoreWhy is Arman Financial Services Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 14.79%
2
Healthy long term growth as Net Sales has grown by an annual rate of 27.60%
3
The company has declared Positive results for the last 3 consecutive quarters
- PBDIT(Q) Highest at Rs 95.23 cr.
- OPERATING PROFIT TO NET SALES(Q) Highest at 54.24%
- PBT LESS OI(Q) Highest at Rs 42.09 cr.
4
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 12-Jun-26 and has generated 2.88% returns since then
- Multiple factors for the stock are Bullish like MACD, Bollinger Band and KST
5
With ROE of 6.1, it has a Very Expensive valuation with a 1.9 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -1.57%, its profits have risen by 8.7% ; the PEG ratio of the company is 3.6
6
Despite the size of the company, domestic mutual funds hold only 0.75% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Arman Financial should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Arman Financial for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Arman Financial
-0.12%
-0.03
45.55%
Sensex
-5.14%
-0.38
13.26%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
31
Industry P/E
21
Price to Book Value
1.86
EV to EBIT
11.02
EV to EBITDA
10.95
EV to Capital Employed
1.35
EV to Sales
4.82
PEG Ratio
3.64
Dividend Yield
NA
ROCE (Latest)
12.24%
ROE (Latest)
6.06%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
PBDIT(Q)
Highest at Rs 95.23 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 54.24%
PBT LESS OI(Q)
Highest at Rs 42.09 cr.
PAT(Q)
Highest at Rs 41.01 cr.
EPS(Q)
Highest at Rs 39.02
-3What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 398.88 cr
Loading Valuation Snapshot...
Here's what is working for Arman Financial
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 42.09 cr has Grown at 251.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 11.98 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 41.01 cr has Grown at 478.6% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 7.09 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 95.23 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 54.24%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 42.09 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 41.01 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 39.02
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Arman Financial
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 398.88 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
