Arman Financial Services Ltd.

Financial

	Arman Financial Serv	Tourism Finance Corp	Satin Creditcare
Operational Metrics
Banking Sector
Net Interest Margin	15.2 %	4.58 %	n/a
Yield On Advances	24.8 %	12.29 %	n/a
NBFC
Cost To Income Ratio	35.9 %	n/a	48.91 %
AUM - NBFC	2280.0 Crs	1676.55 Crs	12128.0 Crs
Gross NPA	4.1 %	5.61 %	3.9 %
Net NPA	0.7 %	3.92 %	1.5 %
Unclassified
Average Ticket Size - NBFC	n/a	n/a	n/a
Financials
5 yr Average ROE	18.34 %	9.41 %	5.91 %
5yr average Equity Multiplier	5.06	2.66	4.87
5yr Average Asset Turnover Ratio	0.22	0.11	0.19
5yr Avg Net Profit Margin	17.39 %	33.88 %	6.12 %
5yr Avg Net Profit Margin	17.39 %	33.88 %	6.12 %
5yr CAGR Net Profit	33.12 %	2.38 %	22.98 %
5yr CAGR Sales	25.19 %	-2.77 %	8.42 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.0	1.8	0.7
P/E	19.21	18.65	6.08
Shareholdings
Promoter Holding	22.06 %	3.85 %	36.17 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.39 %	-24.58 %	-0.52 %
Change in Mutual Fund Holding (3 Yrs)	1.98 %	0.0	-2.42 %

Business

	Arman Financial Serv	Tourism Finance Corp	Satin Creditcare
Product Wise Break-Up	Product Wise Break-Up NBFC 90.04 NBFC 4.71 NBFC 3.68 nbfc 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0 0 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Others 1.57	Product Wise Break-Up Production 0 Net gain on fair value changes 11.91 Dividend 1.68 Interest Income 78.53 Service/ Trade (ex. MSME) 0 NBFC 0 Fee & Commission income 7.88 nbfc 0 0 Dividend Income 0 Agri/ Allied Activities 0 MSME 0	Product Wise Break-Up Production 0 Net gain/(loss) on fair value changes 0 Dividend income 0 Interest income 82.55 Service/ Trade (ex. MSME) 0 NBFC 0 Fees & commission income 0 nbfc 0 Gain from derecognition of financial instrument 13.23 Dividend Income 0 Agri/ Allied Activities 0 MSME 0 Others 4.22
Location Wise Break-Up	Location Wise Break-Up Gujarat 29.0 Uttar Pradesh 23.0 Madhya Pradesh 16.0 Rajasthan 11.0 Bihar 9.0 Maharashtra 5.0 Rest of the World 0 India 0 Punjab 0 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Assam 0 Chhattisgarh 0 Jharkhand 0 Haryana 0 West Bengal 0 NCR 0 Others 7.0	Location Wise Break-Up Rest of the World 0 India 100.0 Rajasthan 0 Gujarat 0 Haryana 0 NCR 0 Punjab 0 Tamil Nadu 0 Jharkhand 0 Maharashtra 0 Assam 0 Tripura 0 Pondicherry 0 West Bengal 0 Bihar 0 Karnataka 0 Chhattisgarh 0 Madhya Pradesh 0 Uttar Pradesh 0	Location Wise Break-Up Rest of the World 0 India 0 Rajasthan 5.7 Gujarat 0 Haryana 3.6 NCR 5.6 Punjab 6.6 Tamil Nadu 0 Jharkhand 0 Maharashtra 0 Assam 3.9 Tripura 0 Pondicherry 0 West Bengal 6.2 Bihar 14.6 Karnataka 0 Chhattisgarh 0 Madhya Pradesh 6.6 Uttar Pradesh 26.9 Others 20.3
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 33.9 D A 29.7 NCD 20.3 NBFC / FI 11.8 DFIs (NABARD, MUDRA & SIDBI) 4.3 Securitization 0 ECB 0 0 Working Capital Loans From Banks 0	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Microfinance Services 76.92 Small & Medium Enterprises (SME) loans 17.98 2 Wheeler Loans 3.63 Housing Finance 0 Business Correspondence 0 SFL 0 TFSL - Business Correspondence 0 MSME 0 Product Financing 0 MFI Lending 0 Others 1.47	-	AUM Break-Up - NBFC SFL 0 MFI Lending 87.09 MSME 5.43 Product Financing 0 TFSL - Business Correspondence 0 Housing Finance 7.19 2 Wheeler Loans 0 Microfinance Services 0 Small & Medium Enterprises (SME) loans 0 Business Correspondence 0.29

Arman Financial Services Ltd.

Arman Financial Services Ltd.

SIGN UP FOR FREE