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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Arman Financial Services's share price is ₹2049.80.
Arman Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹577.21. Hence, Arman Financial Services's PS Ratio for today is 3.55.
Warning Sign:
Arman Financial Services Ltd stock PS Ratio (=3.32) is close to 2-year high of 3.4.
The historical rank and industry rank for Arman Financial Services's PS Ratio or its related term are showing as below:
NSE:ARMANFIN'
s PS Ratio Range Over the Past 10 Years
Min: 1.23 Med: 2.9 Max: 4.93
Current: 3.48
During the past 13 years, Arman Financial Services's highest PS Ratio was 4.93. The lowest was 1.23. And the median was 2.90.
NSE:ARMANFIN's PS Ratio is ranked worse than 55.92% of 524
companies
in the Credit Services industry
Industry Median: 2.875
vs NSE:ARMANFIN: 3.48
Arman Financial Services Ltd revenue per share is in decline over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of Arman Financial Services was -5.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 9.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 24.60% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 27.90% per year.
During the past 13 years, Arman Financial Services's highest 3-Year average Revenue per Share Growth Rate was 52.30% per year. The lowest was 9.40% per year. And the median was 29.60% per year.
Arman Financial Services (NSE:ARMANFIN) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Arman Financial Services's PS Ratio distribution charts can be found below:
* The bar in red indicates where Arman Financial Services's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Arman Financial Services's Share Price of today is ₹2049.80. Arman Financial Services's Revenue per Share 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 ₹577.21.
* 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.
It can also be calculated from the numbers for the whole company:
Arman Financial Services (NSE:ARMANFIN) has a PS Ratio of 3.55 as of Aug. 06, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Arman Financial Services and its competitors. This is 22% above median its historical median of 2.90. Over the past decade, Arman Financial Services' PS Ratio has ranged from 1.23 to 4.93. According to the industry distribution chart, Arman Financial Services ranks #293 out of 524 companies in the Credit Services industry, placing it in the top 55.9%.
Is Arman Financial Services' PS Ratio too high?
Arman Financial Services' current PS Ratio of 3.55 is 22% above median its 10-year median of 2.90. Over the past 10 years, this metric has ranged from a low of 1.23 to a high of 4.93. The Credit Services industry median PS Ratio is 2.88. Arman Financial Services' value of 3.55 is 23.5% above this industry median. Based on the distribution chart, Arman Financial Services ranks #293 out of 524 companies in the Credit Services industry, which is below the industry midpoint. Overall, Arman Financial Services has a GF Score™ of 84/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arman Financial Services' PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Arman Financial Services ranks #293 out of 524 companies for PS Ratio. This places Arman Financial Services in the lower half of its industry. The industry median PS Ratio is 2.88. Arman Financial Services' value of 3.55 is 23.5% above this benchmark. Historically, Arman Financial Services' own PS Ratio has ranged from 1.23 to 4.93 over the past decade. While the company's 10-year median is 2.90 vs. the industry median of 2.88, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.88, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arman Financial Services's current PS Ratio of 3.55 is 23.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Arman Financial Services and its competitors. For the Credit Services industry, the median PS Ratio is 2.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arman Financial Services's current PS Ratio is 3.55, which is 22% above median its own 10-year median of 2.90. 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 ₹1,694.88, compared to a current price of ₹2,049.80 — trading 20.9% above its estimated fair value. The current PS Ratio is 3.55, which is 22% above median its 10-year median of 2.90 and 23.5% above the Credit Services industry median of 2.88. Arman Financial Services' overall GF Score™ is 84/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Arman Financial Services (NSE:ARMANFIN), the current PS Ratio is 3.55 as of Aug. 06, 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 ₹2,049.80 is trading 20.9% above its estimated GF Value™ of ₹1,694.88.
GuruFocus considers Arman Financial Services to be Modestly Overvalued.
Key valuation signals for NSE:ARMANFIN:
PS Ratio: 3.55 (22% above median its 10-year median of 2.90)
GF Value™: ₹1,694.88 vs. price of ₹2,049.80 (20.9% above fair value)
Industry Position: 23.5% above the Credit Services median (#293 of 524)
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.
84GF Score
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