Price
Financials
Consolidated, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 32 | 17 | 6 | 11 | 25 | 38 | 39 | 29 | 19 | 20 | 10 | 20 |
| Interest | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | -0 | -0 |
| Expenses | 10 | 8 | 5 | 4 | 16 | 11 | 29 | 14 | 7 | 10 | 6 | 4 |
| Financing Profit | 20 | 7 | 0 | 6 | 8 | 25 | 10 | 14 | 12 | 10 | 5 | 16 |
| Financing Margin % | 64% | 45% | 2% | 55% | 31% | 67% | 26% | 50% | 61% | 50% | 46% | 80% |
| Other Income | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 2 | 2 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 21 | 8 | 2 | 7 | 9 | 26 | 12 | 16 | 13 | 12 | 6 | 17 |
| Tax % | 13% | 16% | 16% | 14% | 24% | 16% | 13% | 15% | 22% | 24% | 7% | 17% |
| Net Profit | 18 | 7 | 1 | 6 | 7 | 22 | 11 | 13 | 10 | 9 | 6 | 14 |
| EPS in Rs | 9.23 | 4.42 | 0.82 | 3.14 | 4.52 | 12.19 | 6.83 | 8.20 | 6.57 | 5.63 | 3.75 | 8.27 |
| Gross NPA % | ||||||||||||
| Net NPA % |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 13 | 28 | 39 | 87 | 89 | 138 | 85 | 56 | 70 | 118 | 84 | 69 |
| Interest | 0 | 0 | 1 | 2 | 3 | 3 | 2 | 3 | 4 | 4 | 1 | 0 |
| Expenses | 12 | 25 | 35 | 82 | 85 | 134 | 74 | 46 | 34 | 60 | 36 | 27 |
| Financing Profit | 1 | 3 | 4 | 3 | 1 | 1 | 9 | 6 | 32 | 54 | 47 | 42 |
| Financing Margin % | 8% | 12% | 10% | 3% | 2% | 1% | 10% | 12% | 46% | 46% | 56% | 61% |
| Other Income | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | 6 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1 | 3 | 4 | 2 | 1 | 1 | 8 | 6 | 32 | 54 | 47 | 48 |
| Tax % | 25% | 24% | 22% | 26% | 29% | 23% | 11% | 19% | 14% | 17% | 18% | |
| Net Profit | 1 | 2 | 3 | 2 | 1 | 1 | 8 | 5 | 28 | 45 | 38 | 39 |
| EPS in Rs | 0.61 | 2.05 | 2.41 | 1.52 | 0.78 | 0.66 | 3.99 | 3.36 | 15.11 | 25.77 | 24.14 | 24.22 |
| Dividend Payout % | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 21% | -9% | 15% | -47% | ||
| Compounded Profit Growth | 46% | 107% | 96% | -22% | ||
| Stock Price CAGR | 40% | 62% | 62% | -19% | ||
| Return on Equity | 18% | 22% | 25% | 20% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 11 | 11 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 |
| Reserves | 5 | 6 | 14 | 17 | 19 | 18 | 24 | 30 | 44 | 61 | 116 | 148 |
| Borrowing | 1 | 0 | 3 | 18 | 32 | 33 | 28 | 31 | 41 | 46 | 28 | -0 |
| Other Liabilities | 4 | 5 | 8 | 18 | 16 | 14 | 20 | 26 | 36 | 41 | 107 | 77 |
| Total Liabilities | 21 | 22 | 37 | 65 | 79 | 77 | 83 | 99 | 133 | 160 | 264 | 237 |
| Fixed Assets | 2 | 2 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 |
| CWIP | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Investments | 7 | 6 | 24 | 35 | 28 | 21 | 30 | 39 | 58 | 62 | 136 | 134 |
| Other Assets | 12 | 14 | 11 | 28 | 49 | 54 | 51 | 58 | 73 | 96 | 125 | 101 |
| Total Assets | 21 | 22 | 37 | 65 | 79 | 77 | 83 | 99 | 133 | 160 | 264 | 237 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 1 | -0 | 6 | -7 | -17 | -5 | 14 | 17 | 11 | 26 | 50 | 34 |
| Cash from Investing Activity | -2 | 2 | -11 | -7 | 8 | 6 | 2 | -3 | 1 | -6 | -12 | -28 |
| Cash from Financing Activity | 3 | -1 | 5 | 14 | 12 | -2 | -8 | 0 | 7 | 2 | -8 | -29 |
| Net Cash Flow | 1 | 1 | 0 | 0 | 2 | -2 | 8 | 14 | 19 | 21 | 30 | -23 |
| Free Cash Flow | 1 | -1 | 6 | -7 | -18 | -6 | 14 | 17 | 10 | 26 | 50 | 33 |
| CFO/OP | 81% | -36% | 187% | -117% | -318% | -116% | 346% | 155% | 123% | 83% | 95% | 89% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3% | 4% | 11% | 10% | 6% | 3% | 2% | 12% | 8% | 27% | 31% | 20% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 62.17% | 62.17% | 62.17% | 62.17% | 62.17% | 62.17% | 63.92% | 63.92% | 63.92% | 63.92% | 63.92% | 63.92% |
| DIIs | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| Public | 37.81% | 37.81% | 37.81% | 37.81% | 37.82% | 37.82% | 36.07% | 36.07% | 36.07% | 36.07% | 36.07% | 36.07% |
| No. of Shareholders | 1,567 | 1,615 | 1,568 | 1,566 | 1,653 | 1,684 | 1,861 | 2,183 | 2,731 | 2,524 | 2,347 | 2,215 |
Fundamentals
Market Cap₹ 754 Cr.
Current Price₹ 620
Stock P/E25.4
Book Value₹ 131
ROCE22.2 %
ROE20.4 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)-47%
Compounded Profit Growth (TTM)-22%
Consolidated figures.
Valuation
Market capRs 764 Cr
Enterprise valueRs 684 Cr
P/E (TTM)25.77x
Price to book4.76x
Price to sales11.02x
EV / EBITDA13.86x
EV / EBIT13.93x
EV / sales9.86x
Price to cash flow22.79x
Earnings yield3.88%
P/E, 3-year average20.31x
P/B, 3-year average4.46x
P/E, 5-year average21.50x
P/B, 5-year average3.43x
Profitability
Operating margin (excl. other income)56.85%
Operating margin (incl. other income)56.85%
EBITDA margin71.14%
Pre-tax margin69.18%
Net profit margin42.77%
Net margin, latest quarter50.83%
ROE20.45%
ROCE30.11%
ROA11.80%
ROE, 3-year average26.37%
ROCE, 3-year average35.06%
ROA, 3-year average12.91%
ROE, 5-year average19.82%
ROCE, 5-year average26.44%
ROA, 5-year average9.45%
ROIC (approx.)50.33%
Tax rate18.24%
Growth
Sales growth (latest year)-28.53%
Profit growth (latest year)-6.31%
Sales CAGR, 3 years14.86%
Sales CAGR, 5 years-9.38%
Profit CAGR, 3 years96.12%
Profit CAGR, 5 years107.43%
Sales growth QoQ90.17%
Profit growth QoQ120.70%
Sales growth YoY (latest quarter)-30.77%
Profit growth YoY (latest quarter)0.90%
Per share
EPS (TTM)Rs 24.22
EPS (latest year)Rs 24.14
EPS (latest quarter)Rs 8.27
EPS, 3-year averageRs 21.67
EPS, 5-year averageRs 14.47
Book value per shareRs 131.00
Sales per shareRs 56.62
Cash flow per shareRs 27.38
Free cash flow per shareRs 26.95
Efficiency
Asset turnover0.36x
Fixed asset turnover32.84x
Debtor days2 days
Debtors turnover200.98x
Leverage
Cash and bankRs 81 Cr
Net debtRs -81 Cr
Net debt / EBITDA-1.64x
Interest coverage44.22x
Owners' fund to total sources67.65%
Cash flow
Cash from Operating Activity (latest year)Rs 34 Cr
Cash from Investing Activity (latest year)Rs -28 Cr
Cash from Financing Activity (latest year)Rs -29 Cr
Net Cash Flow (latest year)Rs -23 Cr
Free cash flow (latest year)Rs 33 Cr
Cash from ops / profit, 5 years1.11x
Sales to cash flow2.52x
Statement figures
Net sales (TTM)Rs 69 Cr
Net sales (latest year)Rs 84 Cr
Sales (latest quarter)Rs 20 Cr
Operating profit excl. other income (latest year)Rs 48 Cr
Operating profit (latest quarter)Rs 16 Cr
Other income (TTM)Rs 6 Cr
EBITDA (TTM)Rs 49 Cr
PBDT (TTM)Rs 48 Cr
Profit before tax (TTM)Rs 48 Cr
Tax (latest year)Rs 9 Cr
Net profit (TTM)Rs 30 Cr
Net profit (latest year)Rs 30 Cr
Net profit (latest quarter)Rs 10 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 1 Cr
Cost of goods sold (latest year)Rs 29 Cr
Total expenditure (latest year)Rs 36 Cr
Total income (latest year)Rs 84 Cr
Share capitalRs 12 Cr
ReservesRs 148 Cr
Shareholders' fundsRs 160 Cr
Total assetsRs 237 Cr
Net blockRs 3 Cr
InvestmentsRs 134 Cr
ReceivablesRs 0 Cr
Other liabilitiesRs 77 Cr
Shares outstanding (crore)1.22
Ownership
Promoter holding63.92% (+0.00 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 25.8 is at the 43th percentile of its own 9.4-year range
(median 27.3, low 13.4, high 110.4).
P/B 4.76 is at the 73th percentile (median 2.12).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | ARYAMAN | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +1.5% | -2.8% | +4.2 pts |
| 1 month | -0.2% | -6.8% | +6.6 pts |
| 3 years | +327.4% | +14.2% | +313.2 pts |
| 5 years | +1070.7% | +27.9% | +1042.8 pts |
Red flags
F-score 7 of 8No red flags in the latest statements and filings.
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹20 Cr -31.0% vs Jun 2025.
Net profit ₹14 Cr +7.7%.
Against our estimate for Jun 2026: sales +14.9%, profit +64.8% beat. Our estimate for Sep 2026: sales Rs 11 Cr, profit Rs 6 Cr (how).
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Less than 100 unique PAN traded in previous 30 days
Quick answers
What is the market cap of Aryaman Financial Services Ltd?
Aryaman Financial Services Ltd (ARYAMAN) has a market capitalisation of Rs 754 Cr. at the 2026-10-01 close.
What is the P/E ratio of Aryaman Financial Services Ltd?
Aryaman Financial Services Ltd trades at a P/E of 25.4 on trailing twelve-month profit, at the 2026-10-01 close.
What were Aryaman Financial Services Ltd's latest quarterly results?
In the Jun 2026 quarter, Aryaman Financial Services Ltd revenue was Rs 20 Cr (-31.0% vs Jun 2025) and net profit was Rs 14 Cr.
What is the 52-week high and low of Aryaman Financial Services Ltd?
The 52-week high is Rs 674.95 and the 52-week low is Rs 570.00.