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Arman Financial Services Limited Q3 FY26 earnings call summary

NSE: ARMANFIN · BSE: 531179

Earnings call of 16 Feb 2026, summarised by AI from the filing.

Arman Financial Q3 FY26 PAT ₹22 cr, AUM ₹2,274 cr; guides FY27 growth at least 25%.

Key takeaways

  1. Guidance FY27 AUM growth at least 25%.
  2. Change Namra returned to profitability after four quarters of losses with PAT ₹13 cr.
  3. Risk Borrower cash flows remain subdued.

Original filing on BSE

Arman Financial Services Limited Q1 FY27 results

As filed: Revenue ₹202 cr (+34% year on year), EBITDA ₹122 cr (+197% year on year), PAT ₹45.2 cr, EBITDA margin 60.4% (+1,000 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹176 cr (−12% year on year), EBITDA ₹95.2 cr (+47% year on year), PAT ₹41.0 cr (+215% year on year), EBITDA margin 54.2% (+1,000 bps). Score 57 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA and profit growth were well above it. EBITDA margin rose 1000 bps year on year. Tax rate 3%. Consolidated profit +215% but standalone -24%. Share price after the results: −7.5% in 29 days (Nifty 500: +0.6%).
  • Q3 FY26: Revenue ₹160 cr (−3% year on year), EBITDA ₹79.7 cr (+59% year on year), PAT ₹22.2 cr, EBITDA margin 49.8% (+1,000 bps). Score 62 of 100, In line with trend. Revenue growth was below the company's own trend; EBITDA growth was well above it. EBITDA margin rose 1000 bps year on year. Share price after the results: −16.1% in 29 days (Nifty 500: −9.6%).
  • Q2 FY26: Revenue ₹159 cr (−12% year on year), EBITDA ₹68.0 cr (−22% year on year), PAT ₹8.0 cr (−47% year on year), EBITDA margin 42.8% (−530 bps). Score 28 of 100, Below trend. Revenue growth was well below the company's own trend; EBITDA and profit growth were below it. EBITDA margin fell 530 bps year on year. Tax rate 50%. Consolidated profit -47% but standalone +13%. Share price after the results: −8.8% in 29 days (Nifty 500: −0.4%).
  • Q1 FY26: Revenue ₹151 cr (−18% year on year), EBITDA ₹41.0 cr (−61% year on year), PAT −₹15.0 cr (−148% year on year), EBITDA margin 27.2% (−1,000 bps). Score 20 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 1000 bps year on year. Revenue fell 24% from last quarter. Share price after the results: +3.7% in 30 days (Nifty 500: +2.2%).
  • Q4 FY25: Revenue ₹199 cr (+9% year on year), EBITDA ₹65.0 cr (−49% year on year), PAT ₹13.0 cr (−75% year on year), EBITDA margin 32.7% (−1,000 bps). Score 23 of 100, Below trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin fell 1000 bps year on year. Tax rate 0%. Consolidated profit -75% but standalone +8%. Share price after the results: +14.2% in 29 days (Nifty 500: +3.7%).
  • Q3 FY25: Revenue ₹165 cr (−2% year on year), EBITDA ₹50.0 cr (−60% year on year), PAT −₹7.0 cr (−117% year on year), EBITDA margin 30.3% (−1,000 bps). Score 14 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 1000 bps year on year. Consolidated profit -117% but standalone +11%. Revenue fell 9% from last quarter.
  • Q2 FY25: Revenue ₹181 cr (+13% year on year), EBITDA ₹87.0 cr (−30% year on year), PAT ₹15.0 cr (−63% year on year), EBITDA margin 48.1% (−1,000 bps). Score 22 of 100, Below trend. EBITDA margin fell 1000 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 52% from last quarter.

Past price moves after results do not indicate future moves. Not a recommendation.

Arman Financial Services Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.