ARMANFIN
1 call
Concalls & earnings callsArman Financial Services Limited
Every summarised call, newest first. Latest is Q1 FY26, held 13 Aug 2026.
Latest quarter
Q1 FY26 snapshot
Open full brief →Strong quarter of profitability and asset quality improvement, but management remains cautious on the macroeconomic environment and is prioritizing disciplined growth over volumes.
| Metric | This quarter | Change | Five-quarter trend |
|---|---|---|---|
| Consolidated AUM | ₹2,925 Cr | 36% YoY | |
| Consolidated Disbursements | ₹686 Cr | 76% YoY | |
| Consolidated GNPA | 2.76% | — | |
| Consolidated NNPA | 0.84% | — |
Latest guidance
- Aim to reduce opex ratio to 7% by end of FY27.
- Continue to recalibrate growth based on collections, early delinquencies, borrower cash flows, and macroeconomic conditions.
- Credit cost may be around 3%, but no formal guidance given.
Said on the Q1 FY26 call.
Filed results
Reported quarterly history
From filed quarterly results. YoY and QoQ compare each metric on the same accounting basis.
| Quarter | Revenue | Net profit (PAT) | Basic EPS |
|---|---|---|---|
| Q3 FY25 | ₹164.77 Cr-2.4% YoY-9.2% QoQ | ₹-7.26 CrTurned loss-making YoYTurned loss-making QoQ | ₹-6.94Turned negative YoYTurned negative QoQ |
| Q2 FY25 | ₹181.49 Cr+13.2% YoY-1.6% QoQ | ₹15.27 Cr-62.6% YoY-51.2% QoQ | ₹14.56-69.7% YoY-51.3% QoQ |
| Q1 FY25 | ₹184.43 Cr+23.4% YoY+0.9% QoQ | ₹31.30 Cr-21.6% YoY-38.4% QoQ | ₹29.88-36.5% YoY-42.8% QoQ |
| Q4 FY24 | ₹182.85 Cr+22.5% YoY+8.3% QoQ | ₹50.82 Cr+40.4% YoY+21% QoQ | ₹52.23+22.5% YoY+9.5% QoQ |
| Q3 FY24 | ₹168.76 Cr+66.1% YoY+5.3% QoQ | ₹42.00 Cr+91.1% YoY+2.9% QoQ | ₹47.71+84.4% YoY-0.7% QoQ |
Call history
- Q1 FY26Cautious tone
Strong quarter of profitability and asset quality improvement, but management remains cautious on the macroeconomic environment and is prioritizing disciplined growth over volumes.
- Consolidated AUM
- ₹2,925 Cr36% YoY
- Consolidated Disbursements
- ₹686 Cr76% YoY