Arman Financial Services Intrinsic Value
Arman Financial Services (ARMANFIN) median intrinsic value is ₹635.64 from 8 valuation models (range ₹575–₹4793), vs current price ₹1917.30 — -66.8% downside (Trading Above Calculated Value), margin of safety -100.0%. Analyse Arman Financial Services ownership pattern to track promoter, FII and institutional holdings.
ARMANFIN Valuation Methods Summary — DCF, Graham Number & P/E
Arman Financial Services intrinsic value across 8 models vs current price ₹1917.30 — upside/downside and value range per method. For current market price and key ratios, visit Arman Financial Services share price today.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹575.19 | ₹460.15 - ₹690.23 | -70.0% | EPS: ₹30.48, Sector P/E: 12x |
| Book Value Method | asset | ₹635.64 | ₹572.08 - ₹699.20 | -66.8% | Book Value/Share: ₹794.55, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹578.18 | ₹520.36 - ₹636.00 | -69.8% | Revenue/Share: ₹578.18, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1236.36 | ₹1112.72 - ₹1360.00 | -35.5% | EBITDA: ₹272.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹4793.25 | ₹3834.60 - ₹5751.90 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹575.19 | ₹517.67 - ₹632.71 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹575.19 | ₹517.67 - ₹632.71 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹738.17 | ₹664.35 - ₹811.99 | -61.5% | EPS: ₹30.48, BVPS: ₹794.55 |
ARMANFIN Intrinsic Value vs Market Price — All Valuation Models
Arman Financial Services fair value range ₹575–₹4793 vs current market price ₹1917.30 across 8 valuation models. Read Arman Financial Services dividend payments for the complete payout history and dividend yield track record.
ARMANFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Arman Financial Services median intrinsic value ₹635.64, current price ₹1917.30 — Trading Above Calculated Value by 66.8%, margin of safety -100.0%.
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 ₹1917.30, this represents a -66.8% variance from our estimated fair value.
The valuation range spans from ₹575.19 to ₹4793.25, indicating ₹575.19 - ₹4793.25.
Is ARMANFIN undervalued or overvalued?
Based on our multi-method analysis, Arman Financial Services (ARMANFIN) appears to be trading above calculated value by approximately 66.8%.
ARMANFIN Financial Health — Key Ratios vs Industry Benchmarks
Arman Financial Services financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| 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 |
ARMANFIN Cash Flow Quality — Operating & Free Cash Flow
Arman Financial Services operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |