Arman Financial Services Ltd.

Financial

	Arman Financial Serv	Finkurve Financial	Satin Creditcare
Operational Metrics
Banking Sector
Net Interest Margin	16.0 %	n/a	n/a
Yield On Advances	25.1 %	n/a	n/a
NBFC
Cost To Income Ratio	31.1 %	n/a	49.57 %
AUM - NBFC	2245.0 Crs	n/a	12499.0 Crs
Gross NPA	3.4 %	n/a	3.7 %
Net NPA	0.6 %	n/a	1.4 %
Unclassified
Average Ticket Size - NBFC	n/a	n/a	n/a
Financials
5 yr Average ROE	18.34 %	7.37 %	5.23 %
5yr average Equity Multiplier	5.06	4.01	4.77
5yr Average Asset Turnover Ratio	0.22	1.28	0.2
5yr Avg Net Profit Margin	17.39 %	13.72 %	5.49 %
5yr Avg Net Profit Margin	17.39 %	13.72 %	5.49 %
5yr CAGR Net Profit	33.12 %	58.52 %	n/a
5yr CAGR Sales	25.19 %	-28.16 %	13.58 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.65	9.57	0.61
P/E	232.87	83.5	12.29
Shareholdings
Promoter Holding	22.05 %	62.07 %	36.17 %
Share Pledged by Promoters	0.0	19.04 %	0.0
Change in Promoter Holding (3 Yrs)	-5.34 %	9.21 %	-0.52 %
Change in Mutual Fund Holding (3 Yrs)	2.08 %	0.0	-2.37 %

Business

	Arman Financial Serv	Finkurve Financial	Satin Creditcare
Product Wise Break-Up	Product Wise Break-Up NBFC 71.02 NBFC 18.43 NBFC 5.53 nbfc 0 Fee and Commission 0 Remittance Bank Charses Received 0 Income from forex services 0 0 0 Dividend Income 0 Interest income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Others 5.02	Product Wise Break-Up Service/ Trade (ex. MSME) 0 0 Agri/ Allied Activities 0 Production 0 Income from forex services 0 Interest income 0 NBFC 0 Fee and Commission 42.71 MSME 0 Dividend Income 0 nbfc 0 Interest Income 57.29 Remittance Bank Charses Received 0	Product Wise Break-Up Service/ Trade (ex. MSME) 0 Gain from derecognition of financial instrument 4.86 Agri/ Allied Activities 0 Production 0 Income from forex services 0 Interest income 93.6 NBFC 0 Fee and Commission 0 MSME 0 Dividend Income 0 nbfc 0 0 Remittance Bank Charses Received 0 Others 1.54
Location Wise Break-Up	Location Wise Break-Up Gujarat 29.0 Uttar Pradesh 23.0 Madhya Pradesh 16.0 Rajasthan 11.0 Bihar 10.0 Maharashtra 5.0 India 0 Punjab 0 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Assam 0 Chhattisgarh 0 Jharkhand 0 Haryana 0 West Bengal 0 NCR 0 Others 6.0	Location Wise Break-Up Karnataka 0 Chhattisgarh 0 Assam 0 Madhya Pradesh 0 India 100.0 Tripura 0 NCR 0 Maharashtra 0 Punjab 0 Jharkhand 0 Haryana 0 Bihar 0 Pondicherry 0 Tamil Nadu 0 Uttar Pradesh 0 Rajasthan 0 Gujarat 0 West Bengal 0	Location Wise Break-Up Karnataka 0 Chhattisgarh 0 Assam 3.9 Madhya Pradesh 6.6 India 0 Tripura 0 NCR 5.6 Maharashtra 0 Punjab 6.6 Jharkhand 0 Haryana 3.6 Bihar 14.6 Pondicherry 0 Tamil Nadu 0 Uttar Pradesh 26.9 Rajasthan 5.7 Gujarat 0 West Bengal 6.2 Others 20.3
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 32.2 D A 29.8 NCD 19.1 NBFC / FI 12.3 Securitization 2.9 DFIs (NABARD, MUDRA & SIDBI) 0 ECB 0 0 Working Capital Loans From Banks 0 Unsecured Loan 0 Loan from Body Corporates 0 Others 3.7	Borrowings Break-Up D A 0 NCD 0 Loan From Banks 0 0 Working Capital Loans From Banks 0 Loan from Body Corporates 0 NBFC / FI 0 ECB 0 DFIs (NABARD, MUDRA & SIDBI) 0 Securitization 0 Unsecured Loan 0 Others 100	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Microfinance Services 74.5 Small & Medium Enterprises (SME) loans 20.2 2 Wheeler Loans 3.5 Housing Finance 0 Business Correspondence 0 SFL 0 TFSL - Business Correspondence 0 MSME 0 Product Financing 0 MFI Lending 0 Others 1.8	-	AUM Break-Up - NBFC SFL 0 Microfinance Services 0 Small & Medium Enterprises (SME) loans 0 2 Wheeler Loans 0 Business Correspondence 0.25 MSME 5.7 Housing Finance 7.2 TFSL - Business Correspondence 0 MFI Lending 86.85 Product Financing 0

Arman Financial Services Ltd.

Arman Financial Services Ltd.

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