Arman Financial Services Limited (NSE: ARMANFIN) has announced its Q1FY27 results, showcasing a robust financial performance. The company reported a Profit After Tax (PAT) of INR 45 Crore, marking a significant 33.7% year-on-year increase. This growth is complemented by a 35.7% year-on-year rise in Assets Under Management (AUM), now standing at INR 2,925 Crore.

Financial Performance

The company’s total income for the quarter stood at INR 202 Crore, reflecting a strong operational performance. Notably, the Disbursement surged by 76.1% year-on-year to INR 686 Crore, indicating a high demand for Arman Financial’s lending products. The active customer base also expanded to approximately 6.3 lakhs, with a collection efficiency of 96.6%.

Capital Position & Returns

Arman Financial’s capital position remains strong with shareholder’s equity at INR 979 Crore. The Capital Adequacy Ratio (CRAR) stands at 33.57% for Arman and 38.83% for Namra. The company’s Return on Average Assets (ROAA) and Return on Average Equity (ROE) are at 2.76% and 18.90% respectively, showcasing efficient liability management and profitable operations.

Looking ahead, Arman Financial Services Limited is poised for continued growth, leveraging its diversified product offerings and strong market presence in rural and semi-urban retail markets.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Arman Financial Services Limited

Arman Financial Services Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

Arman rises 10.5% over three months, with buying pressure holding steady. D/E of 1.41 is elevated. As a result, debt servicing will compress free cash flow in a high-rate environment. No meaningful dividend — total return is entirely dependent on capital appreciation. The stock trades at 90% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. The stock holds up despite 16.2% revenue growth and a PEG of 99.00. That could signal an early turnaround. Alternatively, index flows simply support the price. Watch whether analysts revise estimates upward — that is the real signal. Check Fundamentals of Arman Financial Services Limited.

Arman Financial Services Limited (NSE: ARMANFIN), a Gujarat-based non-banking financial company (NBFC), announced its financial results for the quarter ended 30th June 2026. The company reported consolidated assets under management (AUM) of INR 2,925 crore, marking its highest-ever AUM. The consolidated disbursements for Q1 FY27 stood at INR 686 crore, registering a growth of 76% year-on-year as compared to INR 390 crore in Q1 FY26.

Financial Performance

Net total income for Q1 FY27 stood at INR 138 crore, while pre-provision operating profit (PPoP) stood at INR 77 crore, supported by lower provisioning during the quarter. Profit after tax (PAT) for Q1 FY27 stood at INR 45 crore, compared with INR 41 crore in Q4 FY26, registering a 10% quarter-on-quarter growth.

Segment Performance

In the microfinance segment, AUM stood at INR 2,167 crore, reporting a growth of 39.4% year-on-year. Disbursements during Q1 FY27 stood at INR 530 crore, supported by healthy traction in the individual loan segment. Profit after tax (PAT) for the microfinance segment stood at INR 30 crore in Q1 FY27, compared to a loss of INR 28 crore in Q1 FY26.

As of June 30, 2026, the company has a healthy liquidity position with INR 286 crore in cash/bank balance, liquid investments, and undrawn credit limits. Commenting on the company’s performance, Mr. Aalok Patel, Vice Chairman & Managing Director, Arman Financial Services said, “Q1FY27 has been an encouraging start to the year and, more importantly, the improvement in the operating environment that we started seeing during the second half of FY26 has continued into this quarter.”

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Arman Financial Services Limited

Arman Financial Services Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

Arman rises 10.5% over three months, with buying pressure holding steady. D/E of 1.41 is elevated. As a result, debt servicing will compress free cash flow in a high-rate environment. No meaningful dividend — total return is entirely dependent on capital appreciation. The stock trades at 90% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. The stock holds up despite 16.2% revenue growth and a PEG of 99.00. That could signal an early turnaround. Alternatively, index flows simply support the price. Watch whether analysts revise estimates upward — that is the real signal. Check Fundamentals of Arman Financial Services Limited.

Arman Financial Services Limited (NSE: ARMANFIN), a Gujarat-based Non-Banking Financial Company (NBFC), announced its audited financial results for the quarter and full year ended 31st March 2026. The financial numbers are based on Ind-AS. Notably, the company’s Profit After Tax (PAT) for Q4FY26 surged by 221% to INR 41 Crore, while Assets Under Management (AUM) reached an all-time high of INR 2,728 Crore.

Consolidated Business Performance

The consolidated AUM grew by 21.5% year-on-year to INR 2,728 Crore. The company’s consolidated disbursements for FY26 stood at INR 2,433 crore, marking a strong year-on-year growth of 42%. This growth was driven by improving on-ground demand and stabilization of the microfinance segment. The highest-ever quarterly disbursements of INR 951 Crore in Q4FY26 reflected a 75% year-on-year growth and 54% sequential growth.

Segment Performance

In the MSME, Two-Wheeler, and Loan Against Property segments, AUM stood at INR 730 Crore. The company expanded its footprint in Uttar Pradesh and Uttarakhand, strengthened the LAP team, and launched the Solar Loan vertical, which is expected to support business optimization and drive AUM growth over the next 2-4 quarters. The company’s net total income for FY26 reached a record high of INR 160 Crore, registering a 13% year-on-year growth.

Microfinance Segment

In the microfinance segment, Namra’s AUM stood at INR 1,999 Crore as of March 31, 2026. Disbursements for FY26 amounted to INR 1,798 Crore. The company’s Profit After Tax for FY26 stood at INR 13 Crore, registering a growth of 64% year-on-year. Total ECL provisions declined by 46.4% year-on-year to INR 48 Crore, reflecting improving portfolio performance.

Commenting on the Company’s performance, Mr. Aalok Patel, Vice Chairman & Managing Director, Arman Financial Services said, “After several challenging quarters marked by elevated credit stress and a cautious lending environment, I am pleased to report that Arman Financial has once again reached its peak Assets Under Management of INR 2,728 crore. While macroeconomic and sectoral challenges continue to persist, the industry is gradually witnessing improvement in business fundamentals, collection efficiencies, and overall portfolio performance. Over these past few quarters, we undertook decisive structural changes to position the Company for sustainable, profitable growth. One of the most important steps we undertook was the complete separation of credit and recovery functions from branch operations. This change has now been successfully implemented across most branches and has led to better accountability, stronger monitoring, and improved collection efficiencies across the portfolio. At the same time, we made meaningful changes to our underwriting approach by moving beyond traditional group-based assessment models towards

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Arman Financial Services Limited

Arman Financial Services Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

Arman rises 13.3% over three months, with buying pressure holding steady. The PEG reaches 3.74. The stock trades on brand and index weight, not on growth. Revenue grows at 40.4% and profits at 18.0% CAGR. Both numbers are exceptional. Buyers show up with 1.5x the volume of sellers. Moreover, they dominated on 16 of recent sessions versus 14 for sellers — a healthy accumulation pattern. The stock rises 13.3% in three months on 40.4% revenue growth. As a result, the market gives it more credit than the fundamentals strictly justify. Watch the next quarterly results. If growth accelerates, the move makes sense. If not, expect some gains to unwind. Check Fundamentals of Arman Financial Services Limited.