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 ARMANFIN total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Arman Financial Services Limited Financial Flexibility Index (2007–2026)
Historical Financial Flexibility Index trend for Arman Financial Services Limited across 20 annual periods. For the full cash flow conversion analysis, see Arman Financial Services Limited operating cash flow efficiency.
Annual Financial Flexibility Index for Arman Financial Services Limited (2007–2026)
Year-by-year free cash flow to debt coverage for Arman Financial Services Limited. Explore cash flow to debt ratio of Arman Financial Services Limited to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | -0.25x | Rs-4.73 Billion | Rs-4.76 Billion | Rs18.64 Billion | ▼ -166.3% |
| 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 | — |