NSE
BSEThe Quarter story
The two most recent quarterly results, compared side-by-side.
Arman Financial Services delivers a strong profitability turnaround and robust AUM growth, though rising leverage and early LAP stress require monitoring.
Microfinance Profit After Tax turned from -₹27.7 Cr in Q1 FY26 to ₹30.0 Cr in Q1 FY27 — core segment drives strong bottom-line recovery
Loan Against Property GNPA rose from 0.0% in Q1 FY26 to 1.5% in Q1 FY27 — rapid LAP growth is triggering early asset quality stress
Consolidated AUM grew from ₹2,156 Cr in Q1 FY26 to ₹2,925 Cr in Q1 FY27 — loan book expansion fuels top-line growth
Microfinance active customers fell from 5.5 Mn in Q1 FY26 to 4.86 Mn in Q1 FY27 — shrinking borrower base offsets higher ticket sizes
Gross NPA fell from 3.5% in Q1 FY26 to 2.8% in Q1 FY27 — portfolio credit health is steadily improving
Debt to Equity ratio climbed from 1.3x in Q1 FY26 to 1.8x in Q1 FY27 — aggressive borrowing is increasing financial leverage
Cost to Income ratio dropped from 50.1% in Q2 FY26 to 44.3% in Q1 FY27 — operational leverage is enhancing margins
Solar Loans disbursement dropped from ₹56 Cr in Q3 FY26 to ₹1 Cr in Q1 FY27 — green financing segment has lost momentum
Two-Wheeler Finance collection efficiency rose from 95.3% in Q1 FY26 to 97.7% in Q1 FY27 — recovery processes are highly effective
Finance costs rose from ₹12.0 Cr in Q1 FY26 to ₹19.8 Cr in Q1 FY27 — higher funding volumes are pushing interest expenses up