Arman Financial Services Ltd — earnings calls
2 quarters summarised from transcripts filed with the exchange, every statement cited. Newest first.
Arman Financial Services reported consolidated AUM of Rs 2,925 crores as of June 2026, up 36% year-on-year, with Q1 FY27 disbursements of Rs 686 crores, up 76% year-on-year. Consolidated profit after tax was Rs 45 crores compared with a loss of Rs 15 crores in Q1 FY26, supported by improving collection efficiency, moderating fresh delinquencies and a decline in cost to income to 44.3%. Management said asset quality continued to improve with consolidated GNPA at 2.76% and NNPA at 0.84%, while noting that the broader macroeconomic environment has not fully normalized.
Arman Financial Services reported record consolidated AUM of Rs 2,728 crores in FY26, up 22% year-on-year, with highest-ever quarterly disbursements of Rs 951 crores. Consolidated profit after tax for Q4 stood at Rs 41 crores, up 85% sequentially and 220% year-on-year, while full-year PAT was Rs 57 crores, up 9% year-on-year. Management attributed the improvement to separation of credit and recovery functions from branch operations and a shift toward individual-level credit evaluation, while noting elevated operating costs from the new underwriting model.