Aryaman Financial Services Intrinsic Value
Aryaman Financial Services (ARYAMAN) median intrinsic value is ₹225.60 from 9 valuation models (range ₹118–₹521), vs current price ₹590.20 — -61.8% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit Aryaman Financial Services screener.
ARYAMAN Valuation Methods Summary — DCF, Graham Number & P/E
Aryaman Financial Services intrinsic value across 9 models vs current price ₹590.20 — upside/downside and value range per method. Read Aryaman Financial Services dividend payments for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹225.60 | ₹180.48 - ₹270.72 | -61.8% | EPS: ₹18.80, Sector P/E: 12x |
| Book Value Method | asset | ₹118.04 | ₹106.24 - ₹129.84 | -80.0% | Book Value/Share: ₹133.33, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹177.06 | ₹159.35 - ₹194.77 | -70.0% | Revenue/Share: ₹40.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹236.08 | ₹212.47 - ₹259.69 | -60.0% | EBITDA: ₹24.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹520.69 | ₹416.55 - ₹624.83 | -11.8% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹177.06 | ₹159.35 - ₹194.77 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹177.06 | ₹159.35 - ₹194.77 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹295.10 | ₹265.59 - ₹324.61 | -50.0% | ROE: 15.0%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹237.49 | ₹213.74 - ₹261.24 | -59.8% | EPS: ₹18.80, BVPS: ₹133.33 |
ARYAMAN Intrinsic Value vs Market Price — All Valuation Models
Aryaman Financial Services fair value range ₹118–₹521 vs current market price ₹590.20 across 9 valuation models. Analyse ARYAMAN promoter holding to track promoter, FII and institutional holdings.
ARYAMAN Intrinsic Value Analysis — Undervalued or Overvalued?
Aryaman Financial Services median intrinsic value ₹225.60, current price ₹590.20 — Trading Above Calculated Value by 61.8%, 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 ₹590.20, this represents a -61.8% variance from our estimated fair value.
The valuation range spans from ₹118.04 to ₹520.69, indicating ₹118.04 - ₹520.69.
Is ARYAMAN undervalued or overvalued?
Based on our multi-method analysis, Aryaman Financial Services (ARYAMAN) appears to be trading above calculated value by approximately 61.8%.
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 | 15.0% | Industry Standard: 15%+ | Above 15% | 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 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 |