Arman Financial Services (NSE:ARMANFIN) Moat Score: 0/10 (As of Jul. 27, 2026)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:ARMANFIN Arman Financial Services Ltd NSE:ARMANFIN
83 GF Score
Price ₹1,993.40
GF Value ₹1,690.65
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Arman Financial Services Moat Score?

Arman Financial Services has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Arman Financial Services has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Arman Financial Services might have No Moat - No discernible moat.

Arman Financial Services  (NSE:ARMANFIN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Arman Financial Services Moat Score Related Terms

NSE:ARMANFIN
83GF Score
Arman Financial Services Ltd NSE:ARMANFIN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 ₹1,690.65. GuruFocus considers Arman Financial Services to be Modestly Overvalued.

Key valuation signals for NSE:ARMANFIN:

  • Moat Score: 0
  • GF Value™: ₹1,690.65 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

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

₹1,993.40
Price
₹1,690.65
GF Value