Arman Financial Services' Q3 FY 2025-26 Quarterly Results
- 13 Feb 2026
Result Summary
- Arman Financial Services Ltd reported a 0.5% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 2.9%.
- Its expenses for the quarter were up by 2.3% QoQ and 10.1% YoY.
- The net profit increased 177.6% QoQ and decreased 405.5% YoY.
- The earnings per share (EPS) of Arman Financial Services Ltd stood at 20.99 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 160.07 | 159.21 | 164.77 | 0.5% | -2.9% |
Total Expenses | 105.35 | 103.00 | 95.69 | 2.3% | 10.1% |
Profit Before Tax | 28.50 | 17.94 | -6.89 | 58.9% | -513.6% |
Tax | 6.32 | 9.94 | 0.37 | -36.4% | 1608.1% |
Profit After Tax | 22.18 | 7.99 | -7.26 | 177.6% | -405.5% |
Earnings Per Share | 20.99 | 7.55 | -6.88 | 178.0% | -405.1% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Arman Financial Services Ltd is a leading financial services company specializing in microfinance and small-to-medium enterprise (SME) financing. The company operates primarily in the financial services industry, focusing on providing financial solutions to underserved markets. Arman Financial Services has a diversified portfolio that includes microfinance loans, two-wheeler loans, and SME loans, catering to various customer segments. Over the years, the company has established a strong presence in the Indian financial services sector. However, specific information regarding recent major developments or strategic initiatives is not available in the provided data.
Revenue
In the third quarter of fiscal year 2026 (Q3FY26), Arman Financial Services Ltd reported a total income of ₹160.07 crores, which shows a slight quarter-over-quarter (QoQ) increase of 0.5% compared to ₹159.21 crores in the second quarter of fiscal year 2026 (Q2FY26). However, there was a year-over-year (YoY) decrease of 2.9% from ₹164.77 crores in the third quarter of fiscal year 2025 (Q3FY25). The company's revenue trends indicate stability over the quarter, but a decline on an annual basis.
Profitability
Arman Financial Services Ltd demonstrated significant improvements in profitability for Q3FY26. The profit before tax (PBT) was ₹28.50 crores, representing a substantial 58.9% increase QoQ from ₹17.94 crores in Q2FY26 and a remarkable turnaround from a loss of ₹6.89 crores in Q3FY25. The company's profit after tax (PAT) stood at ₹22.18 crores, which indicates a substantial QoQ growth of 177.6% from ₹7.99 crores in the previous quarter and a significant improvement from a loss of ₹7.26 crores YoY. The earnings per share (EPS) also reflected this positive trend, rising to ₹20.99 in Q3FY26 from ₹7.55 in Q2FY26 and a negative value of ₹6.88 in Q3FY25.
Operating Metrics
The company's total expenses for Q3FY26 were ₹105.35 crores, marking an increase of 2.3% QoQ from ₹103.00 crores in Q2FY26 and a YoY increase of 10.1% from ₹95.69 crores in Q3FY25. Tax expenses saw a QoQ decline of 36.4%, reducing from ₹9.94 crores in Q2FY26 to ₹6.32 crores in Q3FY26. On a YoY basis, the tax expense increased significantly by 1608.1% from ₹0.37 crores in Q3FY25. These variations in expenses and taxes are key factors affecting the company's financial performance for the quarter.