Arman Financial Services (BOM:531179) EBIT: ₹1,889 Mil (TTM As of Mar. 2026)


BOM:531179 Arman Financial Services Ltd BOM:531179
82 GF Score
Price ₹1,696.45
GF Value ₹1,679.41
Valuation Fairly Valued
! 6 Warning Signs
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What is Arman Financial Services EBIT?

Arman Financial Services BOM:531179 -0.07% 82 EBIT is ₹1,889 Mil as of Mar. 2026. GuruFocus rates BOM:531179 with a GF Score™ of 82/100 and a GF Value™ of ₹1,679.41 (Fairly Valued). The stock has 6 warning signs investors should review.

Arman Financial Services's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹500 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹1,889 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Arman Financial Services's annualized ROC % for the quarter that ended in Mar. 2026 was 8.46%. Arman Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 332.05%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Arman Financial Services's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 6.16%.


Arman Financial Services  (BOM:531179) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Arman Financial Services's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=2001.608 * ( 1 - 2.55% )/( (0 + 23045.617)/ 1 )
=1950.566996/23045.617
=8.46 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=27978.102 - 19.117 - ( 4913.368 - max(0, 19.117 - 27328.209+4913.368))
=23045.617

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Arman Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=2001.608/( ( (0 + max(0, 0)) + (341.81 + max(260.985, 0)) )/ 1 )
=2001.608/( ( 0 + 602.795 )/ 1 )
=2001.608/602.795
=332.05 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 280.102) - (19.117 + 0 + 0)
=260.985

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Arman Financial Services's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=1889.108/30681.623
=6.16 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Arman Financial Services EBIT Related Terms


Arman Financial Services EBIT Historical Data

* Premium members only.

The historical data trend for Arman Financial Services's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Arman Financial Services EBIT Chart

Arman Financial Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 456.37 1,250.54 2,281.71 2,476.30 1,889.11

Arman Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 509.82 505.88 419.57 463.26 500.40

BOM:531179 vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Arman Financial Services's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Arman Financial Services EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Arman Financial Services's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Arman Financial Services's EV-to-EBIT falls into.


BOM:531179
82GF Score
Arman Financial Services Ltd BOM:531179
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Arman Financial Services EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹1,889 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹1,889 Mil mean?
Arman Financial Services (BOM:531179) has a EBIT of ₹1,889 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Arman Financial Services.
Is Arman Financial Services' EBIT too high?
Arman Financial Services' current EBIT is ₹1,889 Mil. Overall, Arman Financial Services has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Arman Financial Services' EBIT compare to V and MA?
Arman Financial Services' EBIT of ₹1,889 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Arman Financial Services. Arman Financial Services's current EBIT is ₹1,889 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arman Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Arman Financial Services (BOM:531179) is currently considered Fairly Valued. The stock's GF Value™ is ₹1,679.41, compared to a current price of ₹1,696.45 — trading 1% above its estimated fair value. The current EBIT is ₹1,889 Mil. Arman Financial Services' overall GF Score™ is 82/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Arman Financial Services (BOM:531179), the current EBIT is ₹1,889 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Arman Financial Services (BOM:531179) Overvalued in 2026?

Based on GuruFocus' analysis, Arman Financial Services stock appears to be overvalued. The current stock price of ₹1,696.45 is trading 1% above its estimated GF Value™ of ₹1,679.41. GuruFocus considers Arman Financial Services to be Fairly Valued.

Key valuation signals for BOM:531179:

  • EBIT: ₹1,889 Mil
  • GF Value™: ₹1,679.41 vs. price of ₹1,696.45 (1% above fair value)
  • GF Score™: 82/100 with 6 warning signs

No single metric tells the full story. See the BOM:531179 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Arman Financial Services Business Description

Other Exchanges ARMANFIN:India
Address Off Ashram Road, 502-503, Sakar III, Opposite Old High Court, Ahmedabad, GJ, IND, 380014
Arman Financial Services Ltd is a Non-Banking Financial Company (NBFC-AFC) registered with the RBI. It specialises in financing two-wheeler purchases to MSMEs and extends microfinance services through its subsidiary focusing on women entrepreneurs. The Company has a presence in several Indian states, strategically focusing on rural and semi-urban areas. It serves the underserved informal sector with small-scale retail loans. The company generates the majority of its revenue from Interest Income. All the operations of the company are in India.
82GF Score

Get the complete analysis for BOM:531179

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,696.45
Price
₹1,679.41
GF Value