Arman Financial Services Ltd.

Financial

	Arman Financial Serv	Satin Creditcare	Finkurve Financial
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 %	64.09 %	n/a
AUM - NBFC	2245.0 Crs	12784.0 Crs	n/a
Gross NPA	3.4 %	3.7 %	n/a
Net NPA	0.6 %	1.4 %	n/a
Unclassified
Average Ticket Size - NBFC	n/a	n/a	n/a
Financials
5 yr Average ROE	18.34 %	5.91 %	7.37 %
5yr average Equity Multiplier	5.06	4.87	4.01
5yr Average Asset Turnover Ratio	0.22	0.19	1.28
5yr Avg Net Profit Margin	17.39 %	6.12 %	13.72 %
5yr Avg Net Profit Margin	17.39 %	6.12 %	13.72 %
5yr CAGR Net Profit	33.12 %	22.98 %	58.52 %
5yr CAGR Sales	25.19 %	8.42 %	-28.16 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.07	0.69	10.67
P/E	34.7	9.45	96.85
Shareholdings
Promoter Holding	22.06 %	36.17 %	62.07 %
Share Pledged by Promoters	0.0	0.0	19.04 %
Change in Promoter Holding (3 Yrs)	-5.39 %	-0.52 %	9.21 %
Change in Mutual Fund Holding (3 Yrs)	1.98 %	-2.42 %	0.0

Business

	Arman Financial Serv	Satin Creditcare	Finkurve Financial
Product Wise Break-Up	Product Wise Break-Up NBFC 90.04 NBFC 4.71 NBFC 3.68 nbfc 0 0 Dividend Income 0 Interest income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Fee and Commission 0 Remittance Bank Charses Received 0 Income from forex services 0 0 Others 1.57	Product Wise Break-Up Interest income 93.6 Service/ Trade (ex. MSME) 0 0 nbfc 0 Dividend Income 0 MSME 0 NBFC 0 Fee and Commission 0 Production 0 Income from forex services 0 Gain from derecognition of financial instrument 4.86 Remittance Bank Charses Received 0 Agri/ Allied Activities 0 Others 1.54	Product Wise Break-Up Interest income 0 Service/ Trade (ex. MSME) 0 Interest Income 52.06 nbfc 0 Dividend Income 0 MSME 0 NBFC 0 Fee and Commission 43.6 Production 0 Income from forex services 0 0 Remittance Bank Charses Received 0 Agri/ Allied Activities 0 Others 4.34
Location Wise Break-Up	Location Wise Break-Up Gujarat 29.0 Uttar Pradesh 23.0 Madhya Pradesh 16.0 Rajasthan 11.0 Bihar 9.0 Maharashtra 5.0 Punjab 0 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Assam 0 Chhattisgarh 0 Jharkhand 0 Haryana 0 West Bengal 0 NCR 0 India 0 Others 7.0	Location Wise Break-Up NCR 5.6 Pondicherry 0 Maharashtra 0 Punjab 6.6 West Bengal 6.2 Tripura 0 Chhattisgarh 0 Uttar Pradesh 26.9 Haryana 3.6 Bihar 14.6 Madhya Pradesh 6.6 Rajasthan 5.7 Gujarat 0 Tamil Nadu 0 Assam 3.9 Karnataka 0 India 0 Jharkhand 0 Others 20.3	Location Wise Break-Up NCR 0 Pondicherry 0 Maharashtra 0 Punjab 0 West Bengal 0 Tripura 0 Chhattisgarh 0 Uttar Pradesh 0 Haryana 0 Bihar 0 Madhya Pradesh 0 Rajasthan 0 Gujarat 0 Tamil Nadu 0 Assam 0 Karnataka 0 India 100.0 Jharkhand 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 33.9 D A 29.7 NCD 20.3 NBFC / FI 11.8 DFIs (NABARD, MUDRA & SIDBI) 4.3 Securitization 0 ECB 0 0 Working Capital Loans From Banks 0 Unsecured Loan 0 Loan from Body Corporates 0	-	Borrowings Break-Up NCD 0 Working Capital Loans From Banks 0 NBFC / FI 0 Loan from Body Corporates 0 D A 0 Loan From Banks 0 DFIs (NABARD, MUDRA & SIDBI) 0 Unsecured Loan 0 Securitization 0 ECB 0 0 Others 100
AUM Break-Up - NBFC	AUM Break-Up - NBFC Microfinance Services 76.92 Small & Medium Enterprises (SME) loans 17.98 2 Wheeler Loans 3.63 Housing Finance 0 Business Correspondence 0 SFL 0 TFSL - Business Correspondence 0 MSME 0 Product Financing 0 MFI Lending 0 Others 1.47	AUM Break-Up - NBFC 2 Wheeler Loans 0 Product Financing 0 Business Correspondence 0.25 Microfinance Services 0 MSME 5.7 TFSL - Business Correspondence 0 Small & Medium Enterprises (SME) loans 0 SFL 0 MFI Lending 86.85 Housing Finance 7.2	-

Arman Financial Services Ltd.

Arman Financial Services Ltd.

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