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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Arman Financial Services Limited is an India-based holding company. The Company is a non-banking finance company (NBFC). It is engaged primarily in the business of Financing. The Company and its subsidiary are engaged in the business of providing Micro, Small and Medium…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, stagnant business, fully valued — but flagged on governance.
Arman Fin Serv is scored on the nbfc / financials framework. It keeps a slim 8.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 15%/yr and profit at -16%/yr. Book value itself has compounded 37%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 15.5%. In the latest quarter profit grew 10% versus the prior quarter.
At 30× earnings, the stock sits at the 66th percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~0%/yr growth over a decade — undemanding expectations. The forensic screen raises a red flag: Share count up 24% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 10.52 | 10.88 | better |
| P/B | 1.63 | 1.4 | worse |
| EV/EBITDA | 7.59 | 14.13 | better |
| ROE | 15.48 | — | — |
| ROCE | 13.8 | — | — |
| ROA | 4.88 | — | — |
| Quick Ratio | 1.65 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue is on a 2-year growth streak. 15% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (15% vs -15%) — costs are rising faster than the top line.
Operating margin has compressed from 29% to 12% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
ROE at 6% — modest; the capital isn't working hard. Capital efficiency declining — ROE down 20pp.
Profit grew faster than EPS (-15% vs -21%) — share dilution is eroding per-share value. -21% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 15% sequentially — momentum is building. Run-rate stepping up — recent quarters average 18% above earlier ones.
Profit jumped 10% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (5% → 22%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 21.9% — widely held; sentiment-driven.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.