Arman Financial Services (NSE:ARMANFIN) Retained Earnings: ₹0 Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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
80 GF Score
Price ₹1,918.10
GF Value ₹1,795.49
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Arman Financial Services Retained Earnings?

Arman Financial Services NSE:ARMANFIN -4.63% 80 Retained Earnings is ₹0 Mil as of Jun. 2026. GuruFocus rates NSE:ARMANFIN with a GF Score™ of 80/100 and a GF Value™ of ₹1,795.49 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Arman Financial Services's retained earnings for the quarter that ended in Jun. 2026 was ₹0 Mil.

Arman Financial Services's quarterly retained earnings increased from Dec. 2025 (₹0 Mil) to Mar. 2026 (₹4,044 Mil) but then declined from Mar. 2026 (₹4,044 Mil) to Jun. 2026 (₹0 Mil).

Arman Financial Services's annual retained earnings increased from Mar. 2024 (₹3,169 Mil) to Mar. 2025 (₹3,587 Mil) and increased from Mar. 2025 (₹3,587 Mil) to Mar. 2026 (₹4,044 Mil).


Arman Financial Services  (NSE:ARMANFIN) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Arman Financial Services Retained Earnings Historical Data

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The historical data trend for Arman Financial Services's Retained Earnings 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 Retained Earnings Chart

Arman Financial Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,041.17 1,786.98 3,169.11 3,586.64 4,044.49

Arman Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Retained Earnings 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 0.00 0.00 0.00 4,044.49 0.00
NSE:ARMANFIN
80GF Score
Arman Financial Services Ltd NSE:ARMANFIN
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Arman Financial Services Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of ₹0 Mil mean?
Arman Financial Services (NSE:ARMANFIN) has a Retained Earnings of ₹0 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Arman Financial Services and its competitors.
Is Arman Financial Services' Retained Earnings too high?
Arman Financial Services' current Retained Earnings is ₹0 Mil. Overall, Arman Financial Services has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arman Financial Services' Retained Earnings compare to V and MA?
Arman Financial Services' Retained Earnings of ₹0 Mil 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 Retained Earnings for a Credit Services company?
A good Retained Earnings depends on the Credit Services industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Arman Financial Services and its competitors. Arman Financial Services's current Retained Earnings is ₹0 Mil. 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 ₹1,795.49, compared to a current price of ₹1,918.10 — trading 6.8% above its estimated fair value. The current Retained Earnings is ₹0 Mil. Arman Financial Services' overall GF Score™ is 80/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Arman Financial Services (NSE:ARMANFIN), the current Retained Earnings is ₹0 Mil as of Jun. 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 ₹1,918.10 is trading 6.8% above its estimated GF Value™ of ₹1,795.49. GuruFocus considers Arman Financial Services to be Modestly Overvalued.

Key valuation signals for NSE:ARMANFIN:

  • Retained Earnings: ₹0 Mil
  • GF Value™: ₹1,795.49 vs. price of ₹1,918.10 (6.8% above fair value)
  • GF Score™: 80/100 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.
80GF Score

Get the complete analysis for NSE:ARMANFIN

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

₹1,918.10
Price
₹1,795.49
GF Value