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Arman Financial Services (ARMANFIN) investor relations material
Arman Financial Services Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary14 Nov, 2025
Executive summary
Early signs of recovery in the microfinance sector after a challenging period of credit stress and regulatory reforms, with a focus on underserved rural and semi-urban retail markets across 11 states.
Asset quality has stabilized, with improved collection efficiencies and moderation in bad loan ratios, supported by structural reforms and disciplined execution.
H1FY26 saw a 13.6% year-over-year decline in AUM to INR 2,130 crore, with disbursements at INR 865 crore and a consolidated equity base of INR 872 crore.
The company maintains robust capital adequacy (CRAR: 38.73% standalone, 57.78% Namra) and a diversified product portfolio including microfinance, MSME, two-wheeler, and LAP loans.
Unaudited standalone and consolidated financial results for the quarter and half year ended September 30, 2025, were reviewed and approved by the Board and auditors, with no material misstatements identified.
Financial highlights
Consolidated AUM at INR 21.3 billion as of September 2025, lower year-on-year but showing stabilization; H1FY26 consolidated income from operations was INR 310.2 crore, down 15% YoY.
Impairment costs declined for three consecutive quarters, from INR 890 million in Q4 FY2025 to INR 380 million in Q2 FY2026.
H1 FY2026 disbursements at INR 8.65 billion, flat year-on-year; Q2 FY2026 disbursements up 26% YoY and 21% sequentially.
H1 FY2026 reported a loss of INR 6.6 crore; Q2 FY2026 profit of INR 8 crore versus INR 14.6 crore loss in Q1 FY2026; consolidated net profit for the half year was INR (659.00) lakhs.
Collection efficiency improved to 95.6% in September; GNPA at 3.69%, NNPA at 0.53% as of September 30.
Outlook and guidance
Expect continued stabilization in microfinance asset quality and further moderation in credit costs, with plans to grow AUM to over INR 5,000 crore by leveraging capital raised.
Anticipate strengthening momentum in H2 FY2026, with improvements becoming more visible and broad-based.
Strategic focus on increasing MSME portfolio share to 35% and reducing MFI share to ~60% over time.
The company continues to focus on its core financing business in India, with no separate reportable segments.
MFI growth strategy vs. past cycles
BCM structure: How does it enable new products?
MSME/LAP diversification: What are the risk controls?
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Next Arman Financial Services earnings date
Q3 25/2613 Feb, 2026
Next Arman Financial Services earnings date
Q3 25/2613 Feb, 2026
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Frequently asked questions
Arman Financial Services Limited, together with its subsidiary, Namra Finance Limited, operates as a non-banking finance company in India. The company provides micro-loans, motor vehicle loans, and small business loans. It offers educational loans; agriculutral loans; house construction/renovation and vehicle purchase loans; vendor micro-loans; hospitalization and insurance loans: two wheeler and three wheeler purchase loans; car purchase loans; working capital and small business loans; tractors and machinery purchase loans; gold financing for small business purpose, personal purposes, and for gold trading purposes; gold loan against pledged jewelry for personal and business purposes; construction equipment finance for purchase of new construction equipment or used equipment from authorized dealers.
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