Arman Financial posts Rs 45.17 cr Q1 profit as operations drive earnings
Interest of Rs 64.28 cr was the main cost below operating profit; consolidated results were filed after market close.
Filed 12 Aug 2026, 19:27 IST · after market close · ARMANFIN (ARMANFIN)
Key takeaways
- Consolidated Q1FY27 profit of Rs 45.17 cr was generated mainly from operations, as other income was just Rs 0.04 cr against Rs 57.17 cr pre-tax profit.
- Interest of Rs 64.28 cr was the key cost below operating profit of Rs 121.88 cr, limiting conversion to pre-tax profit of Rs 57.17 cr.
- At a 20.98% tax rate, tax reduced consolidated pre-tax profit by Rs 12.00 cr, while operating margin was 60.4%.
Operating income, not other income, drove Q1 profit
Arman Financial's consolidated Q1FY27 earnings came from its operating business rather than non-operating gains: other income was only Rs 0.04 cr against Rs 57.17 cr of pre-tax profit. Operating profit was Rs 121.88 cr on revenue of Rs 201.78 cr, giving a 60.4% operating margin.
Interest was the main pressure on profit conversion
Interest expense of Rs 64.28 cr absorbed a substantial part of the Rs 121.88 cr operating profit before tax. Depreciation was Rs 0.47 cr, so financing cost was the main charge between operating profit and the Rs 57.17 cr pre-tax result. The 20.98% tax rate reduced profit by Rs 12.00 cr.
No quarter-on-quarter or market-reaction context yet
The results were filed after market close on 12 Aug 2026, so the stock response is not covered here. There is also no sequential, year-on-year or multi-quarter direction to assess from the reported comparison set.
Q1FY27 at a glance
Consolidated figures as filed with NSE — filed ahead of third-party databases, not yet independently cross-checked.
| Line item | Q1FY27 |
|---|---|
| Revenue | ₹202 cr |
| Other income | ₹0 cr |
| Expenses | ₹80 cr |
| Operating profit | ₹122 cr |
| Operating margin (%) | 60.40% |
| Interest | ₹64 cr |
| Depreciation | ₹0 cr |
| Profit before tax | ₹57 cr |
| Tax | ₹12 cr |
| Net profit | ₹45 cr |
| EPS (₹) | ₹42.96 |
What to watch
- Whether operating margin holds above 60.4%.
- Whether interest remains below Rs 64.28 cr.
- Whether other income stays at Rs 0.04 cr or remains immaterial to pre-tax profit.