Arman Financial Services Limited
Financial trend (100/100) does the heavy lifting; valuation (26/100) is the drag.
Fair valueArman Financial Services Limited earns a Buy from StocksWizard, with a blended score of 62/100. We put fair value near ₹1,491.23; at ₹1,941 that leaves roughly 23% downside, so the stock screens overvalued by 23%. On 35.8x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's trading right at its 52-week high of ₹1,995.4. Financial health scores 55/100, with a Piotroski F-score of 2/9. It clears 6 of 12 investability checks, with durability 57, valuation 41 and momentum 85 on our 0–100 scales.
Analysis by Ankit Sharma · 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 ₹1,192.98.
1-year price
EOD · 2026-07-3152-week range
-2.73% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy62Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 6.3%
- Fail: Low debt (D/E < 0.5): 1.90x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 37%
- Pass: Earnings growing: 222%
- Pass: Net margin ≥ 10%: 19.4%
- Pass: Current ratio > 1.5: 493.86
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter29.8%
- Institutions11.4%
- Public & other58.9%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (19.4%).
- Trading near its 52-week high.
Opportunities
- Earnings growing (222% YoY).
- Revenue growing (37% YoY).
Bear case
Weaknesses
- Low return on equity (6.3%).
- High debt relative to equity.
- Weak Piotroski score (2/9).
Threats
- Trades ~23% above our estimated fair value.
About Arman Financial Services Limited
Arman Financial Services Limited, a non-banking finance company in India, provides micro, small, and medium enterprise loans, two-wheeler loans, micro finance loans, individual business loans, and loans against property. The company, formerly known as Arman Lease and Finance Limited, adopted its current name in November 2008.
Arman Financial Services Limited — frequently asked questions
Is Arman Financial Services Limited a buy, hold or sell?
StocksWizard currently rates Arman Financial Services Limited (ARMANFIN) a Buy, based on a blended score of 62/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Arman Financial Services Limited's fair value?
Our blended DCF and relative-valuation model estimates Arman Financial Services Limited's fair value at about ₹1,491.23, versus a current price of ₹1,941 — roughly 23% downside. On that basis the stock looks overvalued by 23%.
Is Arman Financial Services Limited financially healthy?
Arman Financial Services Limited scores 55/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Arman Financial Services Limited's share price performed?
Arman Financial Services Limited is up 16% over three months, and last traded at ₹1,941. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.