Arman Financial Services Limited (ARMANFIN) — Cash Flow-to-Debt Ratio
Arman Financial Services Limited (ARMANFIN) has a Cash Flow-to-Debt Ratio of 0.06x as of September 2025, meaning its operating cash flow of Rs808.79 Million could theoretically repay 0% of its total liabilities (Rs12.81 Billion) in one year. See how financially flexible is Arman Financial Services Limited to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Arman Financial Services Limited Cash Flow-to-Debt Ratio (2007–2026)
Historical debt coverage capacity for Arman Financial Services Limited across 20 annual periods. For the full cash flow conversion analysis, see ARMANFIN cash generation efficiency.
Annual Cash Flow-to-Debt Ratio for Arman Financial Services Limited (2007–2026)
Year-by-year debt coverage analysis for Arman Financial Services Limited. Check ARMANFIN operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2026 | -0.26x | Rs-4.76 Billion | Rs18.64 Billion | ▼ -170.1% |
| 2025 | 0.36x | Rs4.93 Billion | Rs13.53 Billion | ▲ +319.5% |
| 2024 | -0.17x | Rs-3.02 Billion | Rs18.22 Billion | ▲ +61.3% |
| 2023 | -0.43x | Rs-7.18 Billion | Rs16.72 Billion | ▼ -57.3% |
| 2022 | -0.27x | Rs-2.81 Billion | Rs10.29 Billion | ▼ -3577.2% |
| 2021 | 0.01x | Rs59.12 Million | Rs7.53 Billion | ▲ +107.5% |
| 2020 | -0.10x | Rs-754.50 Million | Rs7.24 Billion | ▲ +70.8% |
| 2019 | -0.36x | Rs-2.21 Billion | Rs6.19 Billion | ▲ +28.4% |
| 2018 | -0.50x | Rs-2.03 Billion | Rs4.07 Billion | ▼ -470.0% |
| 2017 | 0.13x | Rs214.21 Million | Rs1.59 Billion | ▲ +1997.5% |
| 2016 | -0.01x | Rs-10.26 Million | Rs1.45 Billion | ▼ -110.1% |
| 2015 | 0.07x | Rs68.73 Million | Rs979.09 Million | ▲ +187.7% |
| 2014 | -0.08x | Rs-62.31 Million | Rs778.76 Million | ▲ +80.5% |
| 2013 | -0.41x | Rs-244.31 Million | Rs596.85 Million | ▼ -622.7% |
| 2012 | 0.08x | Rs35.63 Million | Rs454.99 Million | ▲ +116.5% |
| 2011 | -0.48x | Rs-194.32 Million | Rs408.66 Million | ▼ -25.2% |
| 2010 | -0.38x | Rs-76.69 Million | Rs201.96 Million | ▼ -291.6% |
| 2009 | 0.20x | Rs20.18 Million | Rs101.81 Million | ▲ +255.7% |
| 2008 | -0.13x | Rs-15.96 Million | Rs125.33 Million | ▲ +79.0% |
| 2007 | -0.61x | Rs-57.19 Million | Rs94.42 Million | — |