Arman Financial Services Limited
ARMANFIN · NSE · Financial Services
StocksWizard rates Arman Financial Services Limited a Buy, scoring 67/100 on our blended model. At ₹1,696.1 it trades above our blended DCF and relative-multiples fair value of ₹1,522.36, implying roughly 10% downside to that estimate — we read the stock as fairly valued. Financial health scores 55/100 (grade C), with a Piotroski F-score of 2/9. It clears 6 of 12 investability checks, with durability 57, valuation 52 and momentum 86 on our 0–100 scales.
These are StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹1,217.89.
Piotroski F-score 2/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%6.3%
- ✕Low debt (D/E < 0.5)1.90x
- ✕Positive free cash flow
- ✓Revenue growth > 10%37%
- ✓Earnings growing222%
- ✓Net margin ≥ 10%19.4%
- ✓Current ratio > 1.5493.86
- ✕Below our fair value
- ✕Margin of safety ≥ 20%
- ✓Above 200-day average
- ✓Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 72/9
1-year price
EOD · 2026-06-18Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Quarterly results
Annual financials
Shareholding
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (19.4%).
Weaknesses
- •Low return on equity (6.3%).
- •High debt relative to equity.
- •Weak Piotroski score (2/9).
Opportunities
- •Earnings growing (222% YoY).
- •Revenue growing (37% YoY).
About Arman Financial Services Limited
Arman Financial Services Limited, together with its subsidiary, operates as a non-banking finance company in India. The company offers micro, small, and medium enterprise loans; two wheeler loans; and micro finance loans as well as individual business loans and loan against property. The company was formerly known as Arman Lease and Finance Limited and changed its name to Arman Financial Services Limited in November 2008
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All stocksOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.