Financials Arman Financial Services Limited NSE India S.E.

Equities

ARMANFIN

INE109C01017

Consumer Lending

Market Closed - NSE India S.E. 07:43:51 2024-05-06 am EDT 5-day change 1st Jan Change
2,016 INR -0.49% Intraday chart for Arman Financial Services Limited +0.10% -17.31%

Valuation

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Capitalization 1 2,124 2,661 3,475 5,167 8,403 11,297
Enterprise Value (EV) 1 5,891 8,040 9,894 11,508 17,557 27,010
P/E ratio 30.4 x 13.6 x 7.4 x 48.6 x 26.5 x 12.4 x
Yield 0.33% 0.37% - - - -
Capitalization / Revenue 4.61 x 3.28 x 2.63 x 4.33 x 7.43 x 5.17 x
EV / Revenue 12.8 x 9.91 x 7.49 x 9.64 x 15.5 x 12.4 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 3.73 x 3.36 x 2.02 x 2.77 x 3.95 x 3.11 x
Nbr of stocks (in thousands) 6,925 6,952 8,451 8,488 8,492 8,492
Reference price 2 306.8 382.8 411.2 608.7 989.6 1,330
Announcement Date 8/13/18 8/26/19 9/4/20 9/3/21 9/6/22 6/30/23
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 461.2 811.1 1,321 1,194 1,132 2,184
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 97.93 306.5 537.8 117.6 455.2 1,250
Net income 1 72.96 213.3 415.2 106.2 317.2 938.1
Net margin 15.82% 26.3% 31.42% 8.89% 28.03% 42.96%
EPS 2 10.09 28.07 55.54 12.53 37.35 107.3
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 1.000 1.400 - - - -
Announcement Date 8/13/18 8/26/19 9/4/20 9/3/21 9/6/22 6/30/23
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 3,767 5,379 6,419 6,341 9,154 15,713
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 12.9% 31.3% 28.1% 5.91% 15.9% 32.4%
ROA (Net income/ Total Assets) 2.15% 3.67% 5.04% 1.16% 2.91% 5.72%
Assets 1 3,396 5,816 8,245 9,182 10,909 16,398
Book Value Per Share 2 82.20 114.0 204.0 220.0 250.0 428.0
Cash Flow per Share 2 27.30 72.80 69.10 104.0 88.90 30.90
Capex 1 8.14 17.7 8.48 4.41 8.74 23.6
Capex / Sales 1.76% 2.18% 0.64% 0.37% 0.77% 1.08%
Announcement Date 8/13/18 8/26/19 9/4/20 9/3/21 9/6/22 6/30/23
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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