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Aryaman Fin Service

₹282.7 13.5 | 5%

Market Cap ₹330 Cr.

Stock P/E 22.7

P/B 4.4

Current Price ₹282.7

Book Value ₹ 64.5

Face Value 10

52W High ₹285

Dividend Yield 0%

52W Low ₹ 121.6

Aryaman Fin Service Research see more...

Overview Inc. Year: 1994Industry: Finance - Investment

Aryaman Financial Services Ltd is a dynamic financial institution renowned for its comprehensive range of financial solutions. Established with a vision to empower individuals and businesses alike, Aryaman Financial Services has consistently delivered excellence in the world of finance. Specializing in investment advisory, wealth management, and financial planning, Aryaman caters to a diverse clientele, from seasoned investors to newcomers seeking expert guidance. With a team of experienced professionals, they provide personalized strategies to meet specific financial goals. Aryaman Financial Services is also committed to staying at the forefront of market trends and innovations, ensuring their clients benefit from the latest financial insights. Their reputation for integrity, transparency, and excellence makes them a trusted partner for anyone looking to secure their financial future.

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Aryaman Fin Service Share Price

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Aryaman Fin Service Quarterly Results

#(Fig in Cr.) Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 13 8 24 9 7 25 13 11 32 17
Other Income 0 0 0 0 0 1 1 1 1 1
Total Income 13 8 25 10 7 25 13 12 33 18
Total Expenditure 11 8 24 8 5 18 15 10 10 8
Operating Profit 2 1 1 2 2 8 -2 2 22 9
Interest Expense 1 1 1 1 1 1 1 1 1 1
Depreciation 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 2 -0 0 1 1 7 -3 1 21 8
Provision for Tax -0 0 0 0 0 1 -0 0 3 1
Profit After Tax 2 -0 -0 1 1 6 -3 1 18 7
Adjustments -1 0 0 -0 -0 -2 1 -0 -8 -2
Profit After Adjustments 1 0 -0 1 1 4 -2 1 11 5
Adjusted Earnings Per Share 1 0.1 -0.1 0.7 0.8 3.7 -1.8 0.6 9.2 4.4

Aryaman Fin Service Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Operating Revenue 4 6 9 14 28 39 86 89 137 84 54 73
Other Income 0 0 0 0 0 1 1 1 1 1 2 4
Total Income 4 6 9 14 28 39 87 89 138 85 56 76
Total Expenditure 3 5 8 13 25 35 82 85 134 74 46 43
Operating Profit 1 1 1 1 4 5 5 4 4 11 10 31
Interest Expense 0 0 0 0 0 1 2 3 3 2 3 4
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 1 1 1 1 3 4 2 1 1 8 6 27
Provision for Tax 0 0 0 0 1 1 1 0 0 1 1 4
Profit After Tax 0 0 0 1 2 3 2 1 1 8 5 23
Adjustments 0 0 -0 -0 -0 -0 -0 -0 -0 -3 -1 -9
Profit After Adjustments 0 0 0 1 2 3 2 1 1 5 4 15
Adjusted Earnings Per Share 0.4 0.4 0.3 0.6 1.7 2.4 1.5 0.8 0.7 4 3.4 12.4

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -36% -15% 7% 30%
Operating Profit CAGR -9% 36% 15% 26%
PAT CAGR -38% 71% 11% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 109% 89% 43% 34%
ROE Average 10% 11% 8% 7%
ROCE Average 11% 11% 10% 9%

Aryaman Fin Service Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 14 14 15 17 26 29 31 30 35 42 56
Minority's Interest 0 0 3 4 7 13 13 12 17 21 28
Borrowings 0 0 0 0 0 18 32 33 28 31 41
Current Liability 1 2 2 1 4 5 3 1 2 2 3
Other Liabilities & Provisions 0 0 0 0 0 2 1 1 2 3 5
Total Liabilities 15 17 21 22 37 67 79 77 83 99 133
Loans 0 0 0 0 0 0 0 0 0 0 0
Investments 4 5 7 6 24 35 28 21 30 39 58
Fixed Assets 2 2 2 2 3 2 2 2 2 2 2
Other Loans 3 4 4 4 4 2 4 1 0 0 0
Other Non Current Assets 0 0 0 0 0 0 0 0 0 0 0
Current Assets 6 6 8 9 7 27 45 53 51 57 72
Total Assets 15 17 21 22 37 67 79 77 83 99 133

Aryaman Fin Service Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 1 2 3 4 0 0 11 13 12 20 33
Cash Flow from Operating Activities 1 -1 1 -0 6 -7 -17 -5 14 17 11
Cash Flow from Investing Activities -0 -3 -2 2 -11 -7 8 6 2 -3 1
Cash Flow from Financing Activities 0 4 3 -1 5 14 12 -2 -8 0 7
Net Cash Inflow / Outflow 1 0 1 1 0 0 2 -2 8 14 19
Closing Cash & Cash Equivalent 2 3 4 4 0 1 13 12 20 33 52

Aryaman Fin Service Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 0.41 0.43 0.31 0.58 1.74 2.41 1.52 0.78 0.66 3.99 3.36
CEPS(Rs) 0.42 0.43 0.38 0.73 2.19 2.67 1.71 0.92 0.83 6.55 4.53
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 12.68 13.12 14.12 15.51 22.13 24.97 26.22 25.68 30.32 36.11 48.02
Net Profit Margin 11.21 8.56 4.26 4.83 8.41 7.68 2.09 1.05 0.61 8.97 9.6
Operating Margin 16.62 13.46 7.8 6.56 12.2 11.5 5.68 4.67 2.81 12.94 17.68
PBT Margin 13.88 10.86 5.65 6.37 11.11 9.85 2.82 1.48 0.77 10.04 11.79
ROA(%) 3.08 3.01 2.03 3.09 7.98 5.74 2.46 1.2 1.04 8.27 4.45
ROE(%) 3.26 3.36 2.55 4.12 11.13 10.85 6 3.08 2.54 19.39 10.46
ROCE(%) 4.78 4.99 4.33 5.37 14.97 11.78 8.89 6.59 6.1 15.88 11.13
Price/Earnings(x) 38.7 36.3 49.82 33.08 15.76 17.82 31.96 57.95 65.48 12.9 33.64
Price/Book(x) 1.24 1.2 1.1 1.24 1.24 1.72 1.85 1.75 1.41 1.42 2.35
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 3.87 2.87 1.61 1.25 1.04 1.46 0.88 0.83 0.43 0.68 2.26
EV/Core EBITDA(x) 22.63 21.32 19.69 16.69 8.12 12.33 14.8 17.24 14.65 5.23 12.57
Interest Earned Growth(%) 167.35 39.68 60.95 55.07 104.4 37.03 121.03 3.18 54.85 -38.95 -36.17
Net Profit Growth 9.24 6.62 -19.93 75.82 255.85 25.16 -39.97 -47.96 -10.82 804.42 -31.68
EPS Growth(%) 9.24 6.61 -28.3 87.05 199.27 38.59 -37.12 -48.84 -15.62 508.55 -15.75
Interest Coverage(x) % 6.07 5.18 3.63 34.47 11.27 6.95 1.99 1.46 1.38 4.46 3

Aryaman Fin Service Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 62.17 62.17 62.17 62.17 62.17 62.17 62.17 62.17 62.17 62.17
FII 0 0 0 0 0 0 0 0 0 0
DII 0.01 0.01 0.01 0.41 0.01 0.01 0.01 0.01 0.01 0.01
Public 37.82 37.82 37.82 37.42 37.82 37.82 37.82 37.82 37.82 37.82
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Company has a low return on equity of 11% over the last 3 years.
  • Debtor days have increased from 1.59 to 2.86days.
  • Stock is trading at 4.4 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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