Arman Financial Services Limited (ARMANFIN.NS)
ValueMarkers Composite Index
86% below intrinsic value ($138)
Arman Financial Services Limited (ARMANFIN.NS) — VMCI valuation read
Composite valuation read on ARMANFIN.NS: VMCI 54/100 against a Financial Services sector median of 50. The 4-point above-median print is the headline number for Arman Financial Services Limited, and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for ARMANFIN.NS: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on ARMANFIN.NS: ARMANFIN.NS trades at 25.0x earnings, 39% above the Financial Services median of 18.0x; ROIC of 9.0% trails the Financial Services median (10.0%) by 1.0pp; net debt to EBITDA of 0.2x leaves covenant headroom. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
ARMANFIN.NS fell 3.4% over the trailing 7 days, with a -13.2% read on a 30-day basis.
Arman Financial Services Limited, together with its subsidiary, Namra Finance Limited, operates as a non-banking finance company in India. It offers financing for the purchase of two and three wheelers. The company also provides loans to micro, small, and medium enterprises; and group based microfinance services. It operates through a network of 239 branches and approximately 55 dealer touchpoints. The company was incorporated in 1992 and is headquartered in Ahmedabad, India.
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