The historical rank and industry rank for Arman Financial Services's Net Margin % or its related term are showing as below:
BOM:531179'
s Net Margin % Range Over the Past 10 Years
Min: 5.65 Med: 13.02 Max: 29.59
Current: 9.29
BOM:531179's Net Margin % is ranked worse than 61.73% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs BOM:531179: 9.29
Arman Financial Services (BOM:531179) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Arman Financial Services Net Margin % Related Terms
Arman Financial Services Net Margin % Historical Data
* 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.
For the Credit Services subindustry, Arman Financial Services's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Arman Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Arman Financial Services's Net Margin % falls into.
* 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 (BOM:531179) has a Net Margin % of 24.66% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Arman Financial Services and its competitors. This is 89% above median its historical median of 13.02. Over the past decade, Arman Financial Services' Net Margin % has ranged from 5.65 to 29.59. According to the industry distribution chart, Arman Financial Services ranks #329 out of 533 companies in the Credit Services industry, placing it in the top 61.7%.
Is Arman Financial Services' Net Margin % too high?
Arman Financial Services' current Net Margin % of 24.66% is 89% above median its 10-year median of 13.02. Over the past 10 years, this metric has ranged from a low of 5.65 to a high of 29.59. The Credit Services industry median Net Margin % is 14.54. Arman Financial Services' value of 24.66% is 69.6% above this industry median. Based on the distribution chart, Arman Financial Services ranks #329 out of 533 companies in the Credit Services industry, which is below the industry midpoint. 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' Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Arman Financial Services ranks #329 out of 533 companies for Net Margin %. This places Arman Financial Services in the lower half of its industry. The industry median Net Margin % is 14.54. Arman Financial Services' value of 24.66% is 69.6% above this benchmark. Historically, Arman Financial Services' own Net Margin % has ranged from 5.65 to 29.59 over the past decade. While the company's 10-year median is 13.02 vs. the industry median of 14.54, Arman Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arman Financial Services's current Net Margin % of 24.66% is 69.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Arman Financial Services and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arman Financial Services's current Net Margin % is 24.66%, which is 89% above median its own 10-year median of 13.02. 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 Net Margin % is 24.66%, which is 89% above median its 10-year median of 13.02 and 69.6% above the Credit Services industry median of 14.54. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Arman Financial Services (BOM:531179), the current Net Margin % is 24.66% 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:
Net Margin %: 24.66% (89% above median its 10-year median of 13.02)
GF Value™: ₹1,679.41 vs. price of ₹1,696.45 (1% above fair value)
Industry Position: 69.6% above the Credit Services median (#329 of 533)
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 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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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