ARMAN FINANCIAL SE chart

Last update: 2022-06-03
Key statistics and financials
Revenue per share 165.04
Dividend & YieldN/A₹ (N/A)
Beta 0.91
Market capitalization 8.71B
Operating cash flow N/A
ESG Scores unknown

Company description

Arman Financial Services Limited, together with its subsidiary, Namra Finance Limited, operates as a non-banking finance company in India. It offers financing for the purchase of two and three wheelers. The company also provides loans to micro, small, and medium enterprises; and group based microfinance services. It operates through a network of 239 branches and approximately 55 dealer touchpoints. The company was incorporated in 1992 and is headquartered in Ahmedabad, India.

Sector: Financial Services - Industry: Credit Services

Financial data

Financial Statements

Cashflow Statement 2018-03-31 2019-03-31 2020-03-31 2021-03-31
Change To Liabilities 7.03M -1.89M -191k
Total Cashflows From Investing Activities -122.45M -6.3M 18.99M 15.2M
Net Borrowings 2.44B 2.52B 949.41M 220.36M
Total Cash From Financing Activities 2.05B 2.52B 938.18M 221.97M
Change To Operating Activities -2.48B -2.51B -1.23B -345.16M
Issuance Of Stock 1.38M 1.38M 1.49M 1.87M
Net Income 72.96M 264.31M 415.2M 106.16M
Change In Cash -94.15M 303.4M 199.69M 296.28M
Effect Of Exchange Rate
Total Cash From Operating Activities -2.03B -2.21B -757.47M 59.12M
Depreciation 3.73M 4.84M 7.98M 8.1M
Change To Account Receivables
Other Cashflows From Financing Activities -320.34M -1.15M -1.15M
Change To Netincome 380.16M 22.18M 47.73M 290.21M
Capital Expenditures -8.14M -17.68M -8.48M -4.41M

Income Statement 2018-03-31 2019-03-31 2020-03-31 2021-03-31
Research Development
Income Before Tax 97.93M 362.29M 537.76M 117.64M
Net Income 72.96M 264.31M 415.2M 106.16M
Selling General Administrative 176.25M 287.1M 402.19M 385.11M
Gross Profit 460.24M 828.71M 1.32B 1.19B
Ebit
Operating Income 97.81M 426.8M 737.85M 663.56M
Interest Expense
Income Tax Expense 24.97M 97.97M 122.56M 11.47M
Total Revenue 461.2M 829.71M 1.32B 1.19B
Cost Of Revenue 959.73k 999k 1.44M 2.58M
Total Other Income ExpenseNet 121.55k -64.51M -200.09M -545.92M
Net Income From Continuing Ops 72.96M 264.31M 415.2M 106.16M
Net Income Applicable To Common Shares 70.71M 264.31M 415.2M 106.16M

Balance Sheet Statement 2018-03-31 2019-03-31 2020-03-31 2021-03-31
Total Liabilities 4.08B 6.3B 7.24B 7.53B
Total Stockholder Equity 569.02M 1.23B 1.72B 1.87B
Other Current Liabilities 55.04M 55.24M 18.75M 65.43M
Total Assets 4.65B 7.53B 8.96B 9.4B
Common Stock 69.25M 69.52M 84.51M 84.88M
Other Current Assets 24.47M 376.91M 482.21M 802.76M
Retained Earnings 380.65M 606.56M 950.54M 1.06B
Treasury Stock 431.95M 5.91M 37.41M
Cash 188.55M 383.2M 582.89M 879.18M
Total Current Liabilities 1.85B 3.41B 3.24B 4.33B
Other Stockholder Equity 431.95M 5.91M 37.41M
Property, Plant, and Equipment 25.91M 32.5M 42.69M 38.52M
Total Current Assets 4.45B 7.47B 8.87B 9.23B
Net Tangible Assets 566.78M 1.23B 1.72B 1.87B
Net Receivables 4.24B 6.71B 7.8B 7.54B
Accounts Payable


Insider Transactions

Here are the insider transactions of stock shares related to ARMAN FINANCIAL SE:

Filer Name Transaction Text Ownership Date Filer Relation Shares
Gadhavi (Chandrabhanbhai Bhurubhai)Gift at price 0.00 per share.D2021-12-29UNREPORTED800
Patel (Atulkumar M)Gift at price 0.00 per share.D2021-11-30UNREPORTED900
Patel (Atulkumar M)Gift at price 0.00 per share.D2021-11-29UNREPORTED1.1k
Manakiwala (Himaniben Amit)Sale at price 8.53 per share.D2020-11-23Promoter3.31k
Patel (Aakash J.)D2020-03-18Director (Non-Executive)248.93k
Manakiwala (Himaniben Amit)D2019-12-18Promoter500
Manakiwala (Himaniben Amit)D2019-12-18Promoter1.5k
Manakiwala (Himaniben Amit)D2019-12-17Promoter2.04k
Manakiwala (Himaniben Amit)D2019-12-16Promoter845
Manakiwala (Himaniben Amit)D2019-12-16Promoter1.54k
Namra Holding & Consultancy Services Pvt LtdD2019-12-12Promoter782.91k
Manakiwala (Himaniben Amit)D2018-06-08Promoter817
Manakiwala (Himaniben Amit)D2018-06-08Promoter4.99k
Manakiwala (Himaniben Amit)D2018-06-07Promoter37
Manakiwala (Himaniben Amit)D2018-02-15Promoter1.57k
Manakiwala (Himaniben Amit)D2018-02-14Promoter3k
Manakiwala (Himaniben Amit)D2017-11-21Promoter5k
Manakiwala (Himaniben Amit)D2017-11-20Promoter3.15k
Manakiwala (Himaniben Amit)D2017-11-20Promoter1.64k
Manakiwala (Amit Rajnikant)D2017-11-16Director (Executive)5.47k
Manakiwala (Amit Rajnikant)D2017-08-18Director (Executive)300
Manakiwala (Amit Rajnikant)D2017-08-18Director (Executive)2.18k
Manakiwala (Amit Rajnikant)D2017-08-17Director (Executive)1.05k
Manakiwala (Amit Rajnikant)D2017-08-17Director (Executive)3.73k
Manakiwala (Amit Rajnikant)D2017-08-09Director (Executive)50
Manakiwala (Amit Rajnikant)D2017-08-09Director (Executive)11.27k
Manakiwala (Amit Rajnikant)D2017-08-08Director (Executive)217
Manakiwala (Amit Rajnikant)D2017-08-08Director (Executive)4.44k
Manakiwala (Amit Rajnikant)D2017-06-06Director (Executive)4.4k
Manakiwala (Amit Rajnikant)D2017-03-02Director (Executive)1.59k
Manakiwala (Amit Rajnikant)D2017-03-02Director (Executive)5.01k
Manakiwala (Amit Rajnikant)D2017-02-17Director (Executive)7.09k
Manakiwala (Amit Rajnikant)D2017-02-15Director (Executive)3.91k
Patel (Jayendra Bhailalbhai)D2016-12-20Vice Chairman511
Patel (Jayendra Bhailalbhai)D2016-11-23Vice Chairman1k
Patel (Jayendra Bhailalbhai)D2016-11-17Vice Chairman1.1k
Manakiwala (Amit Rajnikant)D2016-09-01Director (Executive)2.11k
Manakiwala (Amit Rajnikant)D2016-08-31Director (Executive)1.04k
Manakiwala (Amit Rajnikant)D2016-08-25Director (Executive)7.58k
Manakiwala (Amit Rajnikant)D2016-08-18Director (Executive)5.08k
Manakiwala (Amit Rajnikant)D2016-08-18Director (Executive)14.64k
Manakiwala (Amit Rajnikant)D2016-08-17Director (Executive)5k
Manakiwala (Amit Rajnikant)D2016-08-16Director (Executive)581
Manakiwala (Amit Rajnikant)D2016-08-16Director (Executive)110
Manakiwala (Amit Rajnikant)D2016-05-30Director (Executive)10.2k
Manakiwala (Amit Rajnikant)D2016-05-26Director (Executive)20.75k
Manakiwala (Amit Rajnikant)D2016-05-25Director (Executive)5.37k
Manakiwala (Amit Rajnikant)D2016-05-23Director (Executive)4.29k
Manakiwala (Amit Rajnikant)D2016-03-31Director (Executive)2.64k
Patel (Aalok Jayendra)D2016-03-31Director (Executive)50
Patel (Jayendra Bhailalbhai)D2016-03-08Vice Chairman155

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to ARMAN FINANCIAL SE. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on ARMAN FINANCIAL SE

Here is the result of two systematic investment strategies applied to ARMAN FINANCIAL SE. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on ARMAN FINANCIAL SE

The following chart shows the equity curve of the two systematic investment strategies applied to ARMAN FINANCIAL SE:

ARMAN FINANCIAL SE automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 58.2% on the backtest period.

Performance at glance

Performance

58.2 %

Latent gain

3524.85 ₹

Invested capital

6056.15 ₹

Annualized return

13.79 %
Build your Trading System
Automated Trading using Prorealtime ebook

Momentum strategy results on ARMAN FINANCIAL SE

This is the result of two momentum investment strategies applied to ARMAN FINANCIAL SE. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on ARMAN FINANCIAL SE

The following chart shows all the entries opened by the momentum investment system on ARMAN FINANCIAL SE:

ARMAN FINANCIAL SE momentum entries
  • The first momentum investment strategy would give 89.02% of return on ARMAN FINANCIAL SE. That represents 6768.4₹ of latent gain with 7603.1₹ of employed capital.
  • The second momentum investment strategy would give 97.7% of return on ARMAN FINANCIAL SE. That represents 3787.8₹ of latent gain with 3877.0₹ of employed capital.
Performance at glance (1Q Momentum)

Performance

89.02 %

Latent gain

6768.4 ₹

Invested capital

7603.1 ₹

Annualized return

0.0 %
Performance at glance (2Q Momentum)

Performance

97.7 %

Latent gain

3787.8 ₹

Invested capital

3877.0 ₹

Annualized return

26.12 %

Momentum equity curve on ARMAN FINANCIAL SE

The following chart shows the equity curve of the two momentum strategies applied to ARMAN FINANCIAL SE:

ARMAN FINANCIAL SE momentum equity

Note: the dividends potentially given by ARMAN FINANCIAL SE are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on ARMAN FINANCIAL SE

The following chart shows the employed capital evolution of the two momentum strategies on ARMAN FINANCIAL SE since the beginning:

ARMAN FINANCIAL SE

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250₹, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000₹.


Buy the dip strategy result on ARMAN FINANCIAL SE

Buy the dip entry openings on ARMAN FINANCIAL SE

ARMAN FINANCIAL SE

The performance achieved by the robo-advisor on ARMAN FINANCIAL SE is 0%. That represents 0.0$ of latent gain with 0.0₹ of employed capital. The following chart shows ARMAN FINANCIAL SE stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of ARMAN FINANCIAL SE, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

0 %

Latent gain

0.0 ₹

Invested capital

0.0 ₹

Annualized return

0.0 %

Equity curve of the strategy applied to ARMAN FINANCIAL SE

The following chart shows the result of the investment strategy applied to ARMAN FINANCIAL SE:

ARMAN FINANCIAL SE

Note: the dividends potentially given by ARMAN FINANCIAL SE are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on ARMAN FINANCIAL SE

The following chart shows the employed capital evolution since the beginning of the investment strategy on ARMAN FINANCIAL SE:

ARMAN FINANCIAL SE

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on ARMAN FINANCIAL SE

In this section, I will compare the three previous investment strategies applied to ARMAN FINANCIAL SE.

Equity curve comparison on ARMAN FINANCIAL SE

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

ARMAN FINANCIAL SE investment strategy comparison

Employed capital comparison on ARMAN FINANCIAL SE

ARMAN FINANCIAL SE investment comparison

Performance comparison on ARMAN FINANCIAL SE

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 58.2% 3524.85₹ 6056.15₹ 13.79%
Momentum 1 quarter 89.02% 6768.4₹ 7603.1₹ 22.37%
Momentum 2 quarters 97.7% 3787.8₹ 3877.0₹ 26.12%
Non-directional 0% 0.0₹ 0.0₹ 0.0%
Annualized return comparison

Automatic investment

13.79 %

Momentum 1Q

26.12 %

Momentum 2Q

26.12 %

Non-directional

0.0 %

Correlated stocks

Here are the most positively and negatively correlated stocks with ARMAN FINANCIAL SE:

Positive correlations

Most correlated stocks this year


Most correlated stocks last 3 months

Negative correlation

Most negatively correlated stocks this year


Most negatively correlated stocks last 3 months

Note: The algorithm computes the probability of correlation between ARMAN FINANCIAL SE and the other stocks. There may be false positives or some missing correlated stocks. If the price of ARMAN FINANCIAL SE does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name ARMAN FINANCIAL SE
Country India
City Ahmedabad
Address 502-503, Sakar III
Phone 91 79 4050 7000
Website www.armanindia.com
FullTime employees 489
Industry Credit Services
Sector Financial Services
Exchange XNSE
Ticker ARMANFIN.XNSE
Market

ARMAN FINANCIAL SE ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0
Peer Environment Performance unknown
Environment Percentile unknown
Palm Oil unknown
Nuclear unknown
Fur Leather unknown
GMO unknown
Coal unknown
Pesticides unknown
Animal Testing unknown

Social scores

Social ESG Factors Scores
Social Score 0
Peer Social Performance unknown
Social Percentile unknown
Highest Controversy unknown
Peer Highest Controversy Performance unknown
Adult unknown
Gambling unknown
Alcoholic unknown
Tobacco unknown
Catholic unknown
Controversial Weapons unknown
Small Arms unknown
Military Contract unknown
Peer Count unknown

Related Controversy:


Governance scores

Governance ESG Factors Scores
Governance Score 0
Peer Governance Performance unknown
Governance Percentile unknown

ESG at glance
Total ESG Scores: unknown
Environment Score: 0
Social Score: 0
Governance Score: 0

ESG Performance: unknown

Peer Group: unknown

Peer Esg Score Performance: unknown

Rating Year: unknown

Rating Month: unknown

Max Age: unknown

Percentile: unknown