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Aryaman Financial Services Ltd.

•
afsl.co.inBSE: -NSE: ARYAMAN
Market Cap₹ 760 Cr.
Current Price
High / Low₹ 675 / 570
Stock P/E25.6
Book Value₹ 143
Price to Book4.58
Dividend Yield0.00 %
ROCE30.1 %
ROE26.4 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has a good return on equity (ROE) track record: 3 Years ROE 38.0%
  • Company has a healthy return on capital (ROCE) of 35.1%
  • Solid return on assets for a lender - ROA of 12.4%
  • Company has consistently been profitable over the last 5 years
  • Operating margins have improved to 53.4% from 13.9%

CONS

  • Recent results are weak - TTM profit is down 18.1% versus prior year
  • Company's sales have been declining over the last five years
  • Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Investment
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJAJFINSV1924.0030.39308236.600.086296.6718.1542036.9092.2211.8840.79
2.AIIL512.3520.7443510.070.0011082.201075.1914695.401109.3713.8588.91
3.CHOLAHLDNG1525.8510.7428652.020.091788.9942.0411113.5742.9210.5257.53
4.TVSHLTD13146.6013.5026598.340.651173.5873.7717076.1840.0119.3916.25
5.CGCL272.2523.2326194.640.07353.38102.041576.4762.1211.6868.54
6.MAHSCOOTER13098.5053.7514969.711.683.32-90.615.41-81.521.0684.10
7.JSWHL11436.5592.4112694.140.0024.54-92.7434.5814.970.5892.45
8.JMFINANCIL127.3511.7212186.882.55368.57-19.661200.539.6911.9158.30
9.TSFINV441.1520.139798.112.53124.95-92.11305.57102.233.4753.35
10.RELIGARE258.30162.108904.470.00-46.98-674.862353.401051.764.71-2.08
11.KAMAHOLD2288.707.897344.571.81584.0210.804657.567.0720.8622.01
12.ARYAMAN620.5025.62759.930.0014.096.5619.9319.5030.1180.20
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
1261219850017140020
10108541611291471064
Operating Profit12181792611151210516
OPM %98.51%82.93%67.25%5.66%89.73%162.55%——90.41%82.93%——80.20%
Other Income1111111212211
Interest1111111110000
Depreciation0000000000000
12182792612161312617
Tax %24.77%13.01%16.16%16.34%14.57%23.61%16.24%13.05%15.42%21.99%23.73%7.10%16.85%
Net Profit000067221113109614
1166156189118751

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
283986891378454661137834
25358285134744634603627
Operating Profit444431073253427
OPM %12.67%10.53%5.00%3.97%2.38%12.01%13.91%48.62%46.67%53.43%21.09%
01111124566
Interest01233234410
Depreciation00000000000
Profit before Tax342118632544748
Tax %24.37%22.02%26.17%28.80%21.81%10.62%18.54%14.39%16.52%18.25%18.67%
Net Profit232118528453839
EPS0.000.000.000.000.713.993.3615.1125.7724.14—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
19%
5 Years:
-11%
3 Years:
13%

COMPOUNDED PROFIT GROWTH

10 Years:
47%
5 Years:
108%
3 Years:
96%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
—

RETURN ON EQUITY

10 Years:
18%
5 Years:
29%
3 Years:
38%
Last Year:
26%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital12121212121212121212
Minority Interest7131312172128345261
1417191824314461116148
318323328314246280
Trade Payables0320001011
142234671514
Total Liabilities376779778399133160225237
3222222223
243528213039586297134
011313728211716160
Cash & Bank61113122033527310481
57554346520
Total Assets376779778399133160225237

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
7-5-16-5141711265034
Cash from Investing-11-7862-31-6-12-28
Cash from Financing51412-2-8072-8-29
002-2814192130-23

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
62.1762.1762.1763.9263.9263.9263.9263.9263.92
FIIs0.000.000.000.000.000.000.000.000.00
0.010.010.010.010.010.010.010.010.01
Government0.000.000.000.000.000.000.000.000.00
37.8237.8237.8236.0836.0836.0836.0836.0836.08

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

No announcements filed.

News

Recent coverage and analyst commentary for ARYAMAN

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