Arman Financial Services (NSE:ARMANFIN) LT-Debt-to-Total-Asset: 0.64 (As of Mar. 2026)

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NSE:ARMANFIN Arman Financial Services Ltd NSE:ARMANFIN
83 GF Score
Price ₹1,993.40
GF Value ₹1,691.07
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Arman Financial Services LT-Debt-to-Total-Asset?

Arman Financial Services NSE:ARMANFIN +3.97% 83 LT-Debt-to-Total-Asset is 0.64 as of Mar. 2026. GuruFocus rates NSE:ARMANFIN with a GF Score™ of 83/100 and a GF Value™ of ₹1,691.07 (Modestly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Arman Financial Services's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.64.

Arman Financial Services's long-term debt to total assets ratio increased from Mar. 2025 (0.17) to Mar. 2026 (0.64). It may suggest that Arman Financial Services is progressively becoming more dependent on debt to grow their business.

Arman Financial Services  (NSE:ARMANFIN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Arman Financial Services LT-Debt-to-Total-Asset Related Terms

Arman Financial Services LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Arman Financial Services's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Arman Financial Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.28 0.33 0.24 0.17 0.64

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
LT-Debt-to-Total-Asset 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 0.17 0.00 0.56 0.00 0.64
NSE:ARMANFIN
83GF Score
Arman Financial Services Ltd NSE:ARMANFIN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Arman Financial Services LT-Debt-to-Total-Asset Calculation

Arman Financial Services's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=17757.225/27978.102
=0.63

Arman Financial Services's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=17757.225/27978.102
=0.63

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.64 mean?
Arman Financial Services (NSE:ARMANFIN) has a LT-Debt-to-Total-Asset of 0.64 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Arman Financial Services and its competitors.
Is Arman Financial Services' LT-Debt-to-Total-Asset too high?
Arman Financial Services' current LT-Debt-to-Total-Asset is 0.64. Overall, Arman Financial Services has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arman Financial Services' LT-Debt-to-Total-Asset compare to V and MA?
Arman Financial Services' LT-Debt-to-Total-Asset of 0.64 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 LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Arman Financial Services and its competitors. Arman Financial Services's current LT-Debt-to-Total-Asset is 0.64. 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 (NSE:ARMANFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹1,691.07, compared to a current price of ₹1,993.40 — trading 17.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.64. Arman Financial Services' overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Arman Financial Services (NSE:ARMANFIN), the current LT-Debt-to-Total-Asset is 0.64 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 (NSE:ARMANFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Arman Financial Services stock appears to be overvalued. The current stock price of ₹1,993.40 is trading 17.9% above its estimated GF Value™ of ₹1,691.07. GuruFocus considers Arman Financial Services to be Modestly Overvalued.

Key valuation signals for NSE:ARMANFIN:

  • LT-Debt-to-Total-Asset: 0.64
  • GF Value™: ₹1,691.07 vs. price of ₹1,993.40 (17.9% above fair value)
  • GF Score™: 83/100 with 7 warning signs

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

Arman Financial Services Business Description

Other Exchanges 531179: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.
83GF Score

Get the complete analysis for NSE:ARMANFIN

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,993.40
Price
₹1,691.07
GF Value