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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.Q1 25/26 earnings summary14 Aug, 2025
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.
What is the vesting schedule for the ESOP 2023?
What is the book value of loans assigned?
What is the standalone debt-equity ratio?
What indicators suggest stress is behind us?
How are you balancing AUM growth and safety?
How does separating credit/sales impact field force?
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Next Arman Financial Services earnings date
Q2 25/2613 Nov, 2025
Next Arman Financial Services earnings date
Q2 25/2613 Nov, 2025
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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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