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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Arman Financial Services
Arman Financial Services (ARMANFIN) investor relations material
Arman Financial Services Q1 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 26/27 earnings summary13 Aug, 2026
Executive summary
Q1 FY2027 began with encouraging trends, with consolidated AUM reaching INR 2,925 crore, up 36% year-on-year, and record Q1 disbursements at INR 686 crore, up 76% year-on-year.
Profit after tax was INR 45 crore, compared to a loss of INR 15 crore in Q1 FY2026, with total income rising to INR 202 crore.
Collection efficiency for the quarter was 96.6%, with an active customer base of approximately 6.3 lakh.
Focus remains on quality over quantity, with high rejection rates and a shift toward individualized credit assessment in microfinance.
Unaudited standalone and consolidated financial results for the quarter were approved and reviewed by the Board and Audit Committee.
Financial highlights
Gross total income for Q1 FY2027 was INR 202 crore, up 34% year-on-year; net total income at INR 138 crore.
Pre-provisioning operating profit (PPOP) rose to INR 77 crore from INR 59 crore in Q4 FY2026; profit after tax was INR 45 crore.
Consolidated NIM at 17.4%, annualized ROA at 6.4%, and ROE at 18.9%.
Capital adequacy at 33.6% (standalone) and 38.8% (Namra Finance); liquidity position healthy with INR 286 crore in cash and equivalents.
Net worth (consolidated) as of June 30, 2026, stood at INR 979 crore.
Outlook and guidance
Growth will remain calibrated and quality-focused, with ongoing monitoring of collections, early delinquencies, and macroeconomic conditions.
Credit cost expected to remain around 3%-3.5%, possibly improving to 2.5% if conditions are favorable.
OPEX targeted to reduce to 7% by March, with current trends showing improvement.
Focus on expanding MSME portfolio to 35% of AUM, while reducing microfinance share to ~60% over time.
Sufficient capital and liquidity to drive future growth, with a debt-to-equity ratio of 1.8x and INR 286 crore in cash and undrawn limits.
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Latest events from Arman Financial Services
- Income grew 18%, but profit more than halved amid provisions and lease-accounting changes.ARMANFIN
Q4 96/97 - Operating income held near Rs 1.65 crore, but FY99 profit after tax fell to Rs 8.56 lakh.ARMANFINQ4 98/99
- Earnings fell amid NBFC stress as focus shifted to two-wheeler financing.ARMANFINQ4 99/00
- Profit improved on stronger two-wheeler finance, but operating cash flow turned sharply negative.ARMANFINQ4 00/01
- Earnings and EPS improved, but no dividend was recommended amid subdued markets.ARMANFINQ4 01/02
- Profit rose on stronger lending performance, while bank competition kept pressure on NBFC spreads.ARMANFINQ4 02/03
- Higher profit and EPS; cautious lending amid intensifying bank competition.ARMANFINQ4 03/04
- Higher income and profit, with retail-finance growth balanced against credit and tax risks.ARMANFINQ4 04/05
- Revenue rose 19%; PAT hit Rs 4.07m, with no dividend and sharply higher borrowings.ARMANFINQ4 05/06
- FY07 income surged 60%, with microfinance expansion offset by higher funding costs.ARMANFINQ4 06/07
Next Arman Financial Services earnings date
Q2 26/2713 Nov, 2026
Arman Financial Services
Next Arman Financial Services earnings date
Q2 26/2713 Nov, 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.