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Arman Financial Services (ARMANFIN) investor relations material
Arman Financial Services Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Consolidated AUM declined 17% year-over-year to INR 2,156 crore in Q1FY26, with a net loss of INR 15 crore, reflecting a deliberate slowdown in MFI lending and persistent regional stress.
Collection efficiency remained stable at 95.3% for Q1FY26, with an active customer base of approximately 6.8 lakh.
Non-MFI segments (MSME, two-wheeler, LAP) showed steady growth and better asset quality, offsetting some MFI headwinds.
Board approved unaudited financial results, reappointments of key directors, and granted 8,100 ESOPs to employees.
33rd Annual General Meeting scheduled for September 29, 2025, via video conference.
Financial highlights
Disbursements for the quarter were INR 387 crore, down from INR 459 crore year-over-year.
Gross total income was INR 151 crore; net total income was INR 99 crore, both lower due to reduced MFI volumes.
Pre-provisioning operating profit was INR 55 crore; provisions and write-offs surged to INR 66.5 crore.
Consolidated net loss for the quarter was ₹1,458.41 lakhs, compared to net profit of ₹3,130.38 lakhs year-over-year.
Standalone net profit for the quarter was ₹1,244.99 lakhs, compared to ₹1,257.79 lakhs year-over-year.
Outlook and guidance
Management expects MFI recovery to accelerate in the second half of the year as rural conditions improve.
Plans to leverage recent capital raises to target AUM growth to INR 5,000+ crore, focusing on MFI, MSME, two-wheeler, and LAP segments.
Strategic intent to increase MSME portfolio share to 35% and reduce MFI share to ~60% over time.
No specific growth guidance was provided due to ongoing uncertainty.
Board and auditors confirm compliance with SEBI regulations and financial covenants.
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