Arman Financial Services Limited Fundamental Analysis (NSE: ARMANFIN.NS)
Arman Financial Services Limited Fundamental Analysis (NSE: ARMANFIN.NS)
Arman Financial Services Limited (NSE: ARMANFIN.NS) shows moderate financial fundamentals with a PE ratio of 17.48, profit margin of 17.50%, and ROE of 13.10%. The company generates $6.6B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 65.3/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze ARMANFIN.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakARMANFIN.NS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentARMANFIN.NS trades at attractive valuation levels.
Growth Score
ModerateARMANFIN.NS shows steady but slowing expansion.
Financial Health Score
ModerateARMANFIN.NS shows balanced financial health with some risks.
Profitability Score
ModerateARMANFIN.NS maintains healthy but balanced margins.
Key Financial Metrics
Is ARMANFIN.NS Expensive or Cheap?
P/E Ratio
ARMANFIN.NS trades at 17.48 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, ARMANFIN.NS's PEG of -0.01 indicates potential undervaluation.
Price to Book
The market values Arman Financial Services Limited at 2.18 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.77 times EBITDA. This is generally considered low.
How Well Does ARMANFIN.NS Make Money?
Net Profit Margin
For every $100 in sales, Arman Financial Services Limited keeps $17.50 as profit after all expenses.
Operating Margin
Core operations generate 32.34 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.10 in profit for every $100 of shareholder equity.
ROA
Arman Financial Services Limited generates $4.16 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Arman Financial Services Limited produces operating cash flow of $808.79M, showing steady but balanced cash generation.
Free Cash Flow
Arman Financial Services Limited generates strong free cash flow of $804.07M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $76.47 in free cash annually.
FCF Yield
ARMANFIN.NS converts 3.95% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
17.48
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.01
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.18
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.06
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.90
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1429.52
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How ARMANFIN.NS Stacks Against Its Sector Peers
| Metric | ARMANFIN.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 17.48 | 21.19 | Better (Cheaper) |
| ROE | 13.10% | 657.00% | Weak |
| Net Margin | 17.50% | -1592.00% (disorted) | Strong |
| Debt/Equity | 1.90 | 0.90 | Weak (High Leverage) |
| Current Ratio | 1429.52 | 910.00 | Strong Liquidity |
| ROA | 4.16% | 4466981.00% | Weak |
ARMANFIN.NS outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Arman Financial Services Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical