Arman Financial Services Intrinsic Value
ARMANFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹483.21 | ₹386.57 - ₹579.85 | -70.0% | EPS: ₹30.48, Sector P/E: 12x |
| Book Value Method | asset | ₹635.64 | ₹572.08 - ₹699.20 | -60.5% | Book Value/Share: ₹794.55, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹578.18 | ₹520.36 - ₹636.00 | -64.1% | Revenue/Share: ₹578.18, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1095.00 | ₹985.50 - ₹1204.50 | -32.0% | EBITDA: ₹272.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹4026.75 | ₹3221.40 - ₹4832.10 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹483.21 | ₹434.89 - ₹531.53 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹483.21 | ₹434.89 - ₹531.53 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹738.17 | ₹664.35 - ₹811.99 | -54.2% | EPS: ₹30.48, BVPS: ₹794.55 |
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Valuation Comparison Chart
ARMANFIN Intrinsic Value Analysis
What is the intrinsic value of ARMANFIN?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Arman Financial Services (ARMANFIN) is ₹635.64 (median value). With the current market price of ₹1610.70, this represents a -60.5% variance from our estimated fair value.
The valuation range spans from ₹483.21 to ₹4026.75, indicating ₹483.21 - ₹4026.75.
Is ARMANFIN undervalued or overvalued?
Based on our multi-method analysis, Arman Financial Services (ARMANFIN) appears to be trading above calculated value by approximately 60.5%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.38 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 2.55 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 3.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 43.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.29x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Arman Financial Services
Additional stock information and data for ARMANFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹493 Cr | ₹469 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-302 Cr | ₹-302 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-718 Cr | ₹-725 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-281 Cr | ₹-282 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹6 Cr | ₹6 Cr | Positive Free Cash Flow | 8/10 |