Aryaman Financial Services Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Solid return on assets for a lender - ROA of 12.4%
- Company has delivered good sales growth of 45.0% CAGR over last 5 years
- Latest quarter profit grew 48.9% YoY, showing strong momentum
- Operating margins have improved to 48.1% from 34.9%
- Company generates healthy free cash flow
CONS
- Recent results are weak - TTM profit is down 55.2% versus prior year
- Stock is trading at 12.9x its book value
- 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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1917.30 | 30.28 | 307163.22 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 546.65 | 22.13 | 46422.91 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1525.75 | 10.74 | 28650.15 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13000.05 | 13.35 | 26301.84 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 266.10 | 22.71 | 25602.92 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13002.55 | 53.35 | 14860.05 | 1.69 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11435.95 | 92.40 | 12693.48 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 124.75 | 11.48 | 11938.08 | 2.61 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 437.25 | 19.95 | 9711.49 | 2.55 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 256.95 | 161.25 | 8857.93 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2282.95 | 7.87 | 7326.12 | 1.82 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| ARYAMAN | 615.20 | 25.40 | 753.44 | 0.00 | 14.09 | 6.56 | 19.93 | 19.50 | 30.11 | 80.20 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 6 | 7 | 1 | 2 | 4 | 0 | 0 | 2 | 7 | 0 | 0 | 6 | |
| 1 | 5 | 4 | 1 | 1 | 3 | 2 | 7 | 1 | 5 | 1 | 1 | 3 | |
| Operating Profit | 1 | 1 | 2 | 0 | 1 | 1 | 1 | 4 | 2 | 3 | 2 | 1 | 2 |
| OPM % | 51.22% | 22.48% | 33.59% | 8.96% | 46.46% | 24.37% | — | — | 62.10% | 39.30% | — | — | 40.26% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 1 | 2 | 2 | 0 | 1 | 1 | 1 | 5 | 2 | 3 | 2 | 2 | 3 | |
| Tax % | 25.64% | 24.67% | 25.21% | 24.32% | 25.44% | 25.41% | 25.74% | 25.51% | 25.14% | 25.44% | 24.70% | 26.88% | 25.17% |
| Net Profit | 1 | 1 | 2 | 0 | 1 | 1 | 1 | 4 | 1 | 3 | 2 | 1 | 2 |
| 0 | 1 | 2 | 0 | 1 | 1 | 1 | 3 | 1 | 2 | 2 | 1 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 11 | 8 | 4 | 2 | 5 | 6 | 15 | 20 | 16 | 13 | |
| 3 | 8 | 6 | 3 | 2 | 3 | 4 | 11 | 13 | 8 | 11 | |
| Operating Profit | 2 | 3 | 2 | 1 | 0 | 2 | 2 | 4 | 7 | 8 | 3 |
| OPM % | 31.90% | 29.85% | 23.46% | 21.80% | 18.24% | 33.04% | 34.92% | 28.59% | 35.44% | 48.12% | 19.00% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 | 2 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 1 | 3 | 2 | 1 | 1 | 2 | 3 | 5 | 8 | 9 | 10 |
| Tax % | 28.71% | 25.58% | 25.59% | 30.46% | 17.29% | 24.64% | 25.17% | 25.17% | 25.60% | 25.35% | 25.42% |
| Net Profit | 1 | 2 | 2 | 1 | 1 | 1 | 2 | 4 | 6 | 7 | 8 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.49 | 1.15 | 1.62 | 3.25 | 5.00 | 5.63 | — |
| 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:
- 20%
- 5 Years:
- 45%
- 3 Years:
- 37%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 29%
- 5 Years:
- 64%
- 3 Years:
- 54%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 9%
- 5 Years:
- 11%
- 3 Years:
- 14%
- Last Year:
- 13%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 |
| 6 | 8 | 10 | 11 | 12 | 13 | 15 | 19 | 38 | 45 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | |
| Trade Payables | 0 | 3 | 2 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | |
| Total Liabilities | 19 | 25 | 25 | 24 | 24 | 25 | 28 | 31 | 52 | 59 |
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| 13 | 14 | 13 | 13 | 13 | 13 | 13 | 13 | 24 | 31 | |
| Cash & Bank | 1 | 7 | 7 | 6 | 7 | 8 | 11 | 12 | 24 | 24 |
| 3 | 3 | 4 | 3 | 3 | 3 | 3 | 5 | 3 | 3 | |
| Total Assets | 19 | 25 | 25 | 24 | 24 | 25 | 28 | 31 | 52 | 59 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2 | 7 | -0 | -1 | 1 | 2 | 2 | 0 | 8 | 6 | |
| Cash from Investing | -3 | -6 | 1 | 0 | 0 | 0 | 0 | 1 | -10 | -5 |
| Cash from Financing | 1 | -0 | 0 | -0 | -0 | -0 | -0 | -0 | 14 | -0 |
| -0 | 0 | -0 | -1 | 1 | 1 | 3 | 1 | 12 | 0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
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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Aryaman Financial Services Ltd.
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