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* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Arman Financial Services's PEG Ratio or its related term are showing as below:
NSE:ARMANFIN'
s PEG Ratio Range Over the Past 10 Years
Min: 0.12 Med: 0.75 Max: 8.84
Current: 0.23
During the past 13 years, Arman Financial Services's highest PEG Ratio was 8.84. The lowest was 0.12. And the median was 0.75.
NSE:ARMANFIN's PEG Ratio is ranked better than 82.83% of 233
companies
in the Credit Services industry
Industry Median: 0.92
vs NSE:ARMANFIN: 0.23
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Arman Financial Services (NSE:ARMANFIN) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Arman Financial Services PEG Ratio Related Terms
Arman Financial Services PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Arman Financial Services's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Arman Financial Services's PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Arman Financial Services (NSE:ARMANFIN) has a PEG Ratio of 0.23 as of Jul. 25, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Arman Financial Services and its competitors. This is 69% below median its historical median of 0.75. Over the past decade, Arman Financial Services' PEG Ratio has ranged from 0.12 to 8.84. According to the industry distribution chart, Arman Financial Services ranks #40 out of 233 companies in the Credit Services industry, placing it in the top 17.2%.
Is Arman Financial Services' PEG Ratio too high?
Arman Financial Services' current PEG Ratio of 0.23 is 69% below median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 8.84. The Credit Services industry median PEG Ratio is 0.92. Arman Financial Services' value of 0.23 is 75% below this industry median. Based on the distribution chart, Arman Financial Services ranks #40 out of 233 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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' PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Arman Financial Services ranks #40 out of 233 companies for PEG Ratio. This places Arman Financial Services in the top 17% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 0.92. Arman Financial Services' value of 0.23 is 75% below this benchmark. Historically, Arman Financial Services' own PEG Ratio has ranged from 0.12 to 8.84 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.92, Arman Financial Services has consistently been below 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.92, based on 233 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arman Financial Services's current PEG Ratio of 0.23 is 75% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Arman Financial Services and its competitors. For the Credit Services industry, the median PEG Ratio is 0.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arman Financial Services's current PEG Ratio is 0.23, which is 69% below median its own 10-year median of 0.75. 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 ₹1,689.81, compared to a current price of ₹1,917.30 — trading 13.5% above its estimated fair value. The current PEG Ratio is 0.23, which is 69% below median its 10-year median of 0.75 and 75% below the Credit Services industry median of 0.92. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Arman Financial Services (NSE:ARMANFIN), the current PEG Ratio is 0.23 as of Jul. 25, 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 ₹1,917.30 is trading 13.5% above its estimated GF Value™ of ₹1,689.81.
GuruFocus considers Arman Financial Services to be Modestly Overvalued.
Key valuation signals for NSE:ARMANFIN:
PEG Ratio: 0.23 (69% below median its 10-year median of 0.75)
GF Value™: ₹1,689.81 vs. price of ₹1,917.30 (13.5% above fair value)
Industry Position: 75% below the Credit Services median (#40 of 233)
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 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
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