Arman Financial Services Limited
Arman Financial Services Limited, together with its subsidiary, operates as a non-banking finance company in India. The company offers micro, small, and medium enterprise loans; two wheeler loans; and micro finance loans as well as individual business loans and loan against property. The company was formerly known as Arman Lease and Finance Limited and changed its name to Arman Financial Services… Read more
Arman Financial Services Limited - Asset Resilience Ratio
Arman Financial Services Limited (ARMANFIN) has an Asset Resilience Ratio of 35.70% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2007–2025)
This chart shows how Arman Financial Services Limited's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Arman Financial Services Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ₹4.45 Billion | 20.67% |
| Short-term Investments | ₹3.24 Billion | 15.03% |
| Total Liquid Assets | ₹7.68 Billion | 35.70% |
Asset Resilience Insights
- Very High Liquidity: Arman Financial Services Limited maintains exceptional liquid asset reserves at 35.70% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
Arman Financial Services Limited Industry Peers by Asset Resilience Ratio
Compare Arman Financial Services Limited's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Yiren Digital Ltd
F:19YA |
Credit Services | 3.32% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
|
Genertec Universal Medical Group Company Limited
F:5UM |
Credit Services | 0.00% |
|
AVIC Capital Co Ltd
SHG:600705 |
Credit Services | 12.64% |
Annual Asset Resilience Ratio for Arman Financial Services Limited (2007–2025)
The table below shows the annual Asset Resilience Ratio data for Arman Financial Services Limited.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-03-31 | 17.25% | ₹3.84 Billion | ₹22.27 Billion | +1.57pp |
| 2024-03-31 | 15.68% | ₹4.13 Billion | ₹26.35 Billion | -23.97pp |
| 2023-03-31 | 39.64% | ₹8.08 Billion | ₹20.38 Billion | +28.94pp |
| 2022-03-31 | 10.70% | ₹1.33 Billion | ₹12.41 Billion | -4.93pp |
| 2021-03-31 | 15.63% | ₹1.47 Billion | ₹9.40 Billion | +6.08pp |
| 2020-03-31 | 9.55% | ₹856.22 Million | ₹8.96 Billion | +24.96pp |
| 2019-03-31 | -15.40% | ₹-1.08 Billion | ₹6.99 Billion | -2.82pp |
| 2018-03-31 | -12.59% | ₹-583.95 Million | ₹4.64 Billion | -10.04pp |
| 2017-03-31 | -2.54% | ₹-54.77 Million | ₹2.15 Billion | +10.90pp |
| 2016-03-31 | -13.45% | ₹-262.56 Million | ₹1.95 Billion | -13.60pp |
| 2012-03-31 | 0.15% | ₹1.00 Million | ₹651.81 Million | -3.05pp |
| 2007-03-31 | 3.21% | ₹4.94 Million | ₹154.13 Million | -- |