Aryaman Financial Services Intrinsic Value
Aryaman Financial Services (ARYAMAN) median intrinsic value is ₹225.60 from 9 valuation models (range ₹148–₹385), vs current price ₹629.25 — -64.1% downside (Trading Above Calculated Value), margin of safety -100.0%. Check ARYAMAN company valuation to track the company's total market size over time.
ARYAMAN Valuation Methods Summary — DCF, Graham Number & P/E
Aryaman Financial Services intrinsic value across 9 models vs current price ₹629.25 — upside/downside and value range per method. See ARYAMAN book value comparison to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹225.60 | ₹180.48 - ₹270.72 | -64.1% | EPS: ₹18.80, Sector P/E: 12x |
| Book Value Method | asset | ₹148.00 | ₹133.20 - ₹162.80 | -76.5% | Book Value/Share: ₹185.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹188.78 | ₹169.90 - ₹207.66 | -70.0% | Revenue/Share: ₹40.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹251.70 | ₹226.53 - ₹276.87 | -60.0% | EBITDA: ₹24.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹384.86 | ₹307.89 - ₹461.83 | -38.8% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹188.78 | ₹169.90 - ₹207.66 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹188.78 | ₹169.90 - ₹207.66 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹314.62 | ₹283.16 - ₹346.08 | -50.0% | ROE: 10.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹279.74 | ₹251.77 - ₹307.71 | -55.5% | EPS: ₹18.80, BVPS: ₹185.00 |
ARYAMAN Intrinsic Value vs Market Price — All Valuation Models
Aryaman Financial Services fair value range ₹148–₹385 vs current market price ₹629.25 across 9 valuation models. For current market price and key ratios, visit Aryaman Financial Services screener.
ARYAMAN Intrinsic Value Analysis — Undervalued or Overvalued?
Aryaman Financial Services median intrinsic value ₹225.60, current price ₹629.25 — Trading Above Calculated Value by 64.1%, 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 ₹225.60 (median value). With the current market price of ₹629.25, this represents a -64.1% variance from our estimated fair value.
The valuation range spans from ₹148.00 to ₹384.86, indicating ₹148.00 - ₹384.86.
Is ARYAMAN undervalued or overvalued?
Based on our multi-method analysis, Aryaman Financial Services (ARYAMAN) appears to be trading above calculated value by approximately 64.1%.
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 | 8.70 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 10.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 46.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.20x | 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 2026 | ₹34 Cr | ₹20 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹50 Cr | ₹44 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 |