Aryaman Financial Services Intrinsic Value
Aryaman Financial Services (ARYAMAN) median intrinsic value is ₹276.86 from 9 valuation models (range ₹122–₹533), vs current price ₹609.40 — -54.6% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit ARYAMAN company profile.
ARYAMAN Valuation Methods Summary — DCF, Graham Number & P/E
Aryaman Financial Services intrinsic value across 9 models vs current price ₹609.40 — upside/downside and value range per method. Browse ARYAMAN complete financial for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹403.20 | ₹322.56 - ₹483.84 | -33.8% | EPS: ₹33.60, Sector P/E: 12x |
| Book Value Method | asset | ₹121.88 | ₹109.69 - ₹134.07 | -80.0% | Book Value/Share: ₹150.83, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹182.82 | ₹164.54 - ₹201.10 | -70.0% | Revenue/Share: ₹70.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹243.76 | ₹219.38 - ₹268.14 | -60.0% | EBITDA: ₹56.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹520.69 | ₹416.55 - ₹624.83 | -14.6% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹215.04 | ₹193.54 - ₹236.54 | -64.7% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹276.86 | ₹249.17 - ₹304.55 | -54.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹533.33 | ₹480.00 - ₹586.66 | -12.5% | ROE: 22.1%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹301.67 | ₹271.50 - ₹331.84 | -50.5% | EPS: ₹33.60, BVPS: ₹150.83 |
ARYAMAN Intrinsic Value vs Market Price — All Valuation Models
Aryaman Financial Services fair value range ₹122–₹533 vs current market price ₹609.40 across 9 valuation models. Compare with ARYAMAN stock valuation models to assess whether the stock is under or overvalued.
ARYAMAN Intrinsic Value Analysis — Undervalued or Overvalued?
Aryaman Financial Services median intrinsic value ₹276.86, current price ₹609.40 — Trading Above Calculated Value by 54.6%, margin of safety -100.0%.
What is the intrinsic value of ARYAMAN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Aryaman Financial Services (ARYAMAN) is ₹276.86 (median value). With the current market price of ₹609.40, this represents a -54.6% variance from our estimated fair value.
The valuation range spans from ₹121.88 to ₹533.33, indicating ₹121.88 - ₹533.33.
Is ARYAMAN undervalued or overvalued?
Based on our multi-method analysis, Aryaman Financial Services (ARYAMAN) appears to be trading above calculated value by approximately 54.6%.
ARYAMAN Financial Health — Key Ratios vs Industry Benchmarks
Aryaman 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 | 3.47 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 22.1% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 62.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.37x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
ARYAMAN Cash Flow Quality — Operating & Free Cash Flow
Aryaman 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 | ₹46 Cr | ₹40 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹26 Cr | ₹23 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹11 Cr | ₹11 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹17 Cr | ₹16 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹14 Cr | ₹14 Cr | Positive Free Cash Flow | 8/10 |