ARMANFIN
FAIRLY_VALUEDArman Financial Services Limited
Others · NSE
↑ 8.8% vs fair value
52W Low
₹1,270
+34.3% from low
52W High
₹1,907
-10.6% from high
Valuation Gauge
Current Price
₹1,705
Fair Value
₹1,869
Fair Value Analysis
₹1,869
Based on free cash flow projections and balance sheet strength analysis and earnings growth potential for Others sector companies | CAUTION: ROCE declining (latest 3.4%) — returns on capital are falling; verify this isn't a value trap. | COVID-resilient: PAT dropped from ₹26Cr (FY2019) to ₹11Cr (FY2021) during COVID but has fully recovered.
Cash Flow Analysis
33% weight
Balance Sheet Value
33% weight
Growth Valuation
33% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Solid Fundamentals
Profitability
ROE of 3.2% is below the Others sector benchmark of 15%
Debt & Leverage
D/E ratio of 1.4x is manageable for Others sector (norm: 0.8x)
Valuation vs Peers
P/E of 66.4x is 1.7x the Others sector median of 40x — expensive
Cash Flow
FCF margin of 75.8% — exceptional cash generation (₹467 Cr)
Earnings Growth
5yr EPS CAGR of 18.0% is in line with the Others sector average of 12.0%
Dividend
No dividend — typical for growth-stage companies
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
23.8%
Free cash flow / market cap
Revenue Growth (YoY)
-3.0%
Year-on-year revenue change
Profit Growth (YoY)
-414.3%
Year-on-year PAT change
Operating Cash Flow
₹493 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹27
P/E Ratio
66.4x
P/B Ratio
2.1x
ROE
3.2%
ROCE
19.8%
Debt / Equity
1.37x
Beta
0.15
Div Yield
—
FCF (Cr)
₹467 Cr
Revenue (Cr)
₹617 Cr
EPS Growth 5Y
18%
Mkt Cap (Cr)
₹1,879 Cr
52W High
₹1,906.6
52W Low
₹1,270
Book Value/Share
₹837.3
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| TTM | ₹670 Cr | ₹50 Cr | 7.0% | ₹28 Cr | ₹26.96 |
| 2025-03-31 | ₹730 Cr | ₹71 Cr | 10.0% | ₹52 Cr | ₹49.64 |
| 2024-03-31 | ₹661 Cr | ₹229 Cr | 35.0% | ₹174 Cr | ₹165.67 |
| 2023-03-31 | ₹424 Cr | ₹126 Cr | 30.0% | ₹94 Cr | ₹110.46 |
| 2022-03-31 | ₹235 Cr | ₹46 Cr | 20.0% | ₹32 Cr | ₹37.35 |
| 2021-03-31 | ₹195 Cr | ₹13 Cr | 6.0% | ₹11 Cr | ₹12.51 |
| 2020-03-31 | ₹214 Cr | ₹53 Cr | 25.0% | ₹42 Cr | ₹49.13 |
| 2019-03-31 | ₹139 Cr | ₹37 Cr | 26.0% | ₹26 Cr | ₹45.98 |
| 2018-03-31 | ₹78 Cr | ₹10 Cr | 13.0% | ₹7 Cr | ₹12.76 |
| 2017-03-31 | ₹54 Cr | ₹10 Cr | 19.0% | ₹6 Cr | ₹11.05 |
| 2016-03-31 | ₹41 Cr | ₹12 Cr | 30.0% | ₹8 Cr | ₹13.99 |
| 2015-03-31 | ₹30 Cr | ₹9 Cr | 32.0% | ₹6 Cr | ₹10.77 |
| 2014-03-31 | ₹24 Cr | ₹7 Cr | 28.0% | ₹5 Cr | ₹7.92 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Others| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
AVRO INDIA LIMITED | ₹10.3 | ₹75.8 | +86.5% | 38.2 | — | UNDERVALUED |
Magnum Ventures Limited | ₹19.8 | ₹119.4 | +83.4% | — | -1.6% | UNDERVALUED |
DCM Shriram Industries Limited | ₹41.7 | ₹196.1 | +78.7% | 3 | 12.6% | UNDERVALUED |
Star Paper Mills Limited | ₹141.5 | ₹657.4 | +78.5% | 5.6 | 44.2% | UNDERVALUED |
HB Stockholdings Limited | ₹60.5 | ₹281.1 | +78.5% | 3.8 | 13.1% | UNDERVALUED |
Balkrishna Paper Mills Limited | ₹18.7 | ₹80.6 | +76.8% | 3.1 | 26.1% | UNDERVALUED |
Heads UP Ventures Limited | ₹7.1 | ₹28.8 | +75.3% | 3.9 | — | UNDERVALUED |
Credo Brands Marketing Limited | ₹88.5 | ₹305.8 | +71.1% | 10.9 | 16.4% | UNDERVALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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