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Arman Financial Services Limited (IN:ARMANFIN)
:ARMANFIN
India Market

Arman Financial Services Limited (ARMANFIN) Ratios

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Arman Financial Services Limited Ratios

IN:ARMANFIN's free cash flow for Q3 2025 was ₹0.45. For the 2025 fiscal year, IN:ARMANFIN's free cash flow was decreased by ₹ and operating cash flow was ₹0.38. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
1.85 1.85 1.85 316.53 1.31
Quick Ratio
1.85 1.85 1.85 -1.80 1.29
Cash Ratio
0.10 0.10 0.10 4.22 0.11
Solvency Ratio
0.10 0.10 0.10 0.14 0.13
Operating Cash Flow Ratio
-0.25 -0.25 -0.25 -114.74 -0.41
Short-Term Operating Cash Flow Coverage
-0.27 -0.27 -0.27 0.00 -0.43
Net Current Asset Value
₹ -1.01B₹ 3.89B₹ 3.89B₹ 2.95B₹ -1.33B
Leverage Ratios
Debt-to-Assets Ratio
0.65 0.65 0.65 0.79 0.80
Debt-to-Equity Ratio
2.12 2.12 2.12 4.39 4.65
Debt-to-Capital Ratio
0.68 0.68 0.68 0.81 0.82
Long-Term Debt-to-Capital Ratio
0.43 0.43 0.43 0.81 0.62
Financial Leverage Ratio
3.24 3.24 3.24 5.57 5.84
Debt Service Coverage Ratio
0.16 0.16 0.16 0.91 0.08
Interest Coverage Ratio
0.00 0.00 0.00 1.10 626.28
Debt to Market Cap
0.99 0.99 0.99 1.42 1.18
Interest Debt Per Share
1.94K 1.94K 1.94K 2.07K 1.17K
Net Debt to EBITDA
11.98 7.00 7.00 9.07 14.33
Profitability Margins
Gross Profit Margin
80.06%80.06%80.06%43.78%42.97%
EBIT Margin
65.40%65.40%65.40%36.94%20.48%
EBITDA Margin
65.81%65.81%65.81%43.17%28.62%
Operating Profit Margin
78.34%78.34%78.34%42.88%33.39%
Pretax Profit Margin
65.38%65.38%65.38%31.00%20.43%
Net Profit Margin
49.75%49.75%49.75%23.27%14.24%
Continuous Operations Profit Margin
49.75%49.75%49.75%23.27%14.24%
Net Income Per EBT
76.10%76.10%76.10%75.08%69.69%
EBT Per EBIT
83.46%83.46%83.46%72.29%61.18%
Return on Assets (ROA)
3.05%6.59%6.59%4.60%2.56%
Return on Equity (ROE)
26.93%21.36%21.36%25.65%14.92%
Return on Capital Employed (ROCE)
11.57%18.99%18.99%8.51%13.39%
Return on Invested Capital (ROIC)
4.09%8.18%8.18%6.39%4.31%
Return on Tangible Assets
3.05%6.59%6.59%4.60%2.56%
Earnings Yield
6.61%10.00%10.00%8.31%3.77%
Efficiency Ratios
Receivables Turnover
0.00 0.21 0.00 0.00 0.00
Payables Turnover
35.03 35.03 35.03 140.01 82.05
Inventory Turnover
0.00 0.00 0.00 0.11 14.55
Fixed Asset Turnover
47.35 47.35 47.35 69.95 49.33
Asset Turnover
0.13 0.13 0.13 0.20 0.18
Working Capital Turnover Ratio
0.23 0.42 0.23 0.37 1.01
Cash Conversion Cycle
2.02K 1.72K -10.42 3.18K 20.64
Days of Sales Outstanding
0.00 1.73K 0.00 0.00 0.00
Days of Inventory Outstanding
2.02K 0.00 0.00 3.19K 25.09
Days of Payables Outstanding
0.00 10.42 10.42 2.61 4.45
Operating Cycle
2.02K 1.73K 0.00 3.19K 25.09
Cash Flow Ratios
Operating Cash Flow Per Share
-339.74 -339.74 -339.74 -839.54 -330.63
Free Cash Flow Per Share
-342.41 -342.41 -342.41 -842.32 -331.66
CapEx Per Share
2.67 2.67 2.67 2.78 1.03
Free Cash Flow to Operating Cash Flow
1.01 1.01 1.01 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
-127.35 -127.35 -127.35 -302.00 -321.21
Capital Expenditure Coverage Ratio
-127.35 -127.35 -127.35 -302.00 -321.21
Operating Cash Flow Coverage Ratio
-0.18 -0.18 -0.18 -0.44 -0.28
Operating Cash Flow to Sales Ratio
-0.87 -0.87 -0.87 -1.77 -1.26
Free Cash Flow Yield
-31.33%-17.55%-17.55%-63.36%-33.47%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.00 10.00 10.00 12.04 26.52
Price-to-Sales (P/S) Ratio
4.98 4.98 4.98 2.80 3.78
Price-to-Book (P/B) Ratio
2.14 2.14 2.14 3.09 3.96
Price-to-Free Cash Flow (P/FCF) Ratio
-5.70 -5.70 -5.70 -1.58 -2.99
Price-to-Operating Cash Flow Ratio
-5.74 -5.74 -5.74 -1.58 -3.00
Price-to-Earnings Growth (PEG) Ratio
0.13 0.13 0.13 0.06 0.13
Price-to-Fair Value
2.14 2.14 2.14 3.09 3.96
Enterprise Value Multiple
14.56 14.56 14.56 15.56 27.52
Enterprise Value
8.61B 33.43B 33.43B 27.07B 17.55B
EV to EBITDA
19.17 14.56 14.56 15.56 27.52
EV to Sales
6.16 9.58 9.58 6.72 7.88
EV to Free Cash Flow
-8.51 -10.97 -10.97 -3.78 -6.23
EV to Operating Cash Flow
-8.67 -11.05 -11.05 -3.80 -6.25
Tangible Book Value Per Share
912.70 912.70 912.70 430.18 250.48
Shareholders’ Equity Per Share
913.03 913.03 913.03 430.58 250.51
Tax and Other Ratios
Effective Tax Rate
0.24 0.24 0.24 0.25 0.30
Revenue Per Share
391.94 391.94 391.94 474.65 262.48
Net Income Per Share
195.00 195.00 195.00 110.46 37.36
Tax Burden
0.70 0.76 0.76 0.75 0.70
Interest Burden
0.69 1.00 1.00 0.84 1.00
Research & Development to Revenue
<0.01 0.00 0.00 <0.01 <0.01
SG&A to Revenue
0.02 0.22 0.22 0.14 0.02
Stock-Based Compensation to Revenue
<0.01 0.02 0.02 <0.01 <0.01
Income Quality
-3.24 -1.33 -1.33 -5.71 -6.17
Currency in INR
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