Arman Financial Services Limited (ARMANFIN) — Financial Flexibility Index
Arman Financial Services Limited (ARMANFIN) has a Financial Flexibility Index of 0.06x as of September 2025. Free cash flow of Rs813.51 Million (operating CF Rs808.79 Million minus capex Rs4.72 Million) represents 0% of total liabilities (Rs12.81 Billion). Check strategic asset allocation of Arman Financial Services Limited to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Arman Financial Services Limited Financial Flexibility Index (2007–2025)
Historical Financial Flexibility Index trend for Arman Financial Services Limited across 19 annual periods. See ARMANFIN working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Arman Financial Services Limited (2007–2025)
Year-by-year free cash flow to debt coverage for Arman Financial Services Limited. For the full company profile including market capitalisation, see ARMANFIN market cap overview.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.38x | Rs5.18 Billion | Rs4.93 Billion | Rs13.53 Billion | ▲ +332.6% |
| 2024 | -0.16x | Rs-3.00 Billion | Rs-3.02 Billion | Rs18.22 Billion | ▲ +61.5% |
| 2023 | -0.43x | Rs-7.15 Billion | Rs-7.18 Billion | Rs16.72 Billion | ▼ -57.2% |
| 2022 | -0.27x | Rs-2.80 Billion | Rs-2.81 Billion | Rs10.29 Billion | ▼ -3325.7% |
| 2021 | 0.01x | Rs63.53 Million | Rs59.12 Million | Rs7.53 Billion | ▲ +108.2% |
| 2020 | -0.10x | Rs-746.02 Million | Rs-754.50 Million | Rs7.24 Billion | ▲ +70.9% |
| 2019 | -0.35x | Rs-2.19 Billion | Rs-2.21 Billion | Rs6.19 Billion | ▲ +28.7% |
| 2018 | -0.50x | Rs-2.02 Billion | Rs-2.03 Billion | Rs4.07 Billion | ▼ -451.4% |
| 2017 | 0.14x | Rs224.64 Million | Rs214.21 Million | Rs1.59 Billion | ▲ +4051.1% |
| 2016 | 0.00x | Rs-5.17 Million | Rs-10.26 Million | Rs1.45 Billion | ▼ -105.0% |
| 2015 | 0.07x | Rs70.13 Million | Rs68.73 Million | Rs979.09 Million | ▲ +204.5% |
| 2014 | -0.07x | Rs-53.39 Million | Rs-62.31 Million | Rs778.76 Million | ▲ +83.2% |
| 2013 | -0.41x | Rs-243.57 Million | Rs-244.31 Million | Rs596.85 Million | ▼ -608.7% |
| 2012 | 0.08x | Rs36.50 Million | Rs35.63 Million | Rs454.99 Million | ▲ +117.0% |
| 2011 | -0.47x | Rs-192.46 Million | Rs-194.32 Million | Rs408.66 Million | ▼ -29.4% |
| 2010 | -0.36x | Rs-73.51 Million | Rs-76.69 Million | Rs201.96 Million | ▼ -281.7% |
| 2009 | 0.20x | Rs20.39 Million | Rs20.18 Million | Rs101.81 Million | ▲ +277.2% |
| 2008 | -0.11x | Rs-14.17 Million | Rs-15.96 Million | Rs125.33 Million | ▲ +80.6% |
| 2007 | -0.58x | Rs-55.14 Million | Rs-57.19 Million | Rs94.42 Million | — |