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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Arman Financial Services
Arman Financial Services (ARMANFIN) investor relations material
Arman Financial Services Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary16 Feb, 2026
Executive summary
Leadership transition with founder moving to Whole Time Director and new appointments for Vice Chairman/MD and Executive Director/CFO, aiming for continuity and strategic growth.
Achieved consolidated AUM of INR 2,274 crore in 9MFY26, with 6.8% quarter-on-quarter growth and a diversified retail lending portfolio across microfinance, MSME, two-wheeler, and LAP segments.
Disbursements reached INR 1,482 crore, up 26.7% year-over-year, with a strong presence in 11 states and approximately 6.2 lakh active customers.
The company has navigated industry challenges, including over-leveraging, regulatory changes, and macroeconomic pressures, leading to stronger risk management and operational discipline.
Maintained high collection efficiency at 96% for 9MFY26, reflecting improved borrower repayment behavior and disciplined field execution.
Financial highlights
Consolidated AUM reached INR 2,274 crore, up 7% sequentially; disbursements rose 30% QoQ to INR 612 crore.
Income from operations for 9MFY26 was INR 470.3 crore, down 11% year-over-year; profit after tax for Q3FY26 was INR 22.2 crore, a significant turnaround from a loss in Q3FY25.
Pre-provision operating profit (PPOP) for Q3 FY26 was INR 55 crore; nine-month PPOP at INR 166 crore.
Impairment costs dropped from INR 76 crore in Q3 FY25 to INR 26 crore in Q3 FY26.
Cumulative provisions as of December 2025 were INR 74 crore, covering 3.2% of consolidated AUM.
Outlook and guidance
Management targets calibrated, sustainable growth, emphasizing risk controls and product innovation over aggressive expansion.
FY27 growth expected at around 25%, with non-JLG and non-MFI products projected to outpace JLG growth.
Targeting AUM growth to INR 5,000+ crore in the coming quarters, leveraging recent capital raises and diversified lending segments.
Plans to expand the SME portfolio to 35% of AUM and reduce microfinance share to ~60% over time.
MSME book growth to remain steady, with new products like micro LAP and solar loans being piloted for future expansion.
Capital deployment for AUM target & product mix shift?
Microfinance segment profitability turnaround plan?
Digital transformation's impact on key metrics?
Strategy for non-JLG growth and product innovation
CGFMU impact on MFI risk and financials
How to address MFI shrinking customer pool?
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Next Arman Financial Services earnings date
Q4 25/2626 May, 2026
Arman Financial Services
Next Arman Financial Services earnings date
Q4 25/2626 May, 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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