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AROHAN FINANCIAL SERVICES LIMITED

  • www.arohan.in
  • Sector: Banks/NBFC/Payments
  • CHRYSEUM SCORE: 7.50/10.00
    ×

    AROHAN FINANCIAL SERVICES LIMITED

    • Sector: Banks/NBFC/Payments
    • CHRYSEUM SCORE: 7.50/10.00

    Description: Arohan Financial Services Limited is the leading NBFC-MFI having operations in low income states of India that are financially unpenetrated.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/B of Company

    1.80

    Avg P/B of Key Peers

    1.82

    P/B of Industry

    1.20

    Valuation Score

    1.00

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    23.33%

    PAT Growth

    21.62%

    BVPS Growth

    25.50%

    Growth Score

    3.50

    The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

    Key Metrics

    Max Score: 1.50

    ROA

    2.00

    Net NPA

    3.00

    Capital Adequacy

    3.00

    Key Metrics Score

    1.50

    The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹230.00 0.00 (0.00%)

As on 12 May, 2026
L 200.00 52 Week Range H 253.00
Company Description : Arohan Financial Services Limited is the leading NBFC-MFI having operations in low income states of India that are financially unpenetrated. It is the largest NBFC-MFI in eastern India
Company Overview
  • Name of Company AROHAN FINANCIAL SERVICES LIMITED
  • Sector Banks/NBFC/Payments
  • ISIN INE808K01017
  • Scrip Code AROHAN
  • CIN U74140WB1991PLC053189
  • Pan No AAECA6121D
  • Face Value 10
  • Price ₹ 230.00
  • No. of Shares outstanding 15.82 Cr.
  • Market Cap ₹ 3,638.88 Cr
Financials
  • Revenue from operations ₹ 1,691.74 Cr.
  • EBITDA ₹ 776.88 Cr.
  • EBITDA Margin % 45.92%
  • Profit After Tax ₹ 109.67 Cr.
  • PAT Margin % 6.47%
  • EPS 6.93
  • Stock P/E 33.19
  • Book Value Per Share 128.00
  • P/B 1.80
  • Debt/Equity 2.02
Other Key Statistics
  • 52 week High/Low 253.00/200.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 23.33%
  • EBITDA Growth - 3 years 16.56%
  • PAT Growth - 3 years 21.62%
  • EPS Growth - 3 years 21.64%
  • ROE 5.42%
  • ROCE 36.99%
  • Cash Equivalents 673.40
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY25
Company Name Arohan Financial Services Limited Credit Acess Grameen Satin Creditcare Network Ltd
Listing Status Unlisted Listed Listed
Total Revenue from Operations 1,691.74 5,752.33 2,594.69
Total Income 1,695.25 5,756.14 2,601.90
Finance Cost 631.95 1,947.56 1,048.60
Depreciation & Amortization 6.85 62.22 27.26
Total Expenses 1,557.17 5,047.27 2,366.14
EBITDA 776.88 2,718.65 1,311.62
PAT 109.67 531.40 186.12
No. of Shares Outstanding 15.82 15.97 11.05
EPS (in ₹) 6.93 33.27 16.85
Equity Share Capital 158.91 159.72 110.04
Total Net Worth 2,025.12 6,796.25 2,542.86
Total Assets 6,885.79 27,802.45 11,587.00
Borrowings 4,090.70 18,878.73 6,622.67
Key Metrics:
CMP* 230.00 1,184.00 160.00
Market Cap (In Cr.) 3,638.88 18,910.80 1,767.54
Market Cap/Sales 2.15 3.29 0.68
EPS (Earnings Per Share) 6.93 33.27 16.85
BVPS (Book Value Per Share) 128.00 425.51 230.18
P/E 33.19 35.59 9.50
P/BV 1.80 2.78 0.70
Debt-Equity 2.02 2.78 2.60
EBITDA Margin 45.92% 47.26% 50.55%
ROE 5.42% 7.82% 7.32%
ROA 1.59% 1.91% 1.61%
Capital Adeqacy Ratio 34.09% 25.42% 27.66%
*Market Price in ₹ as on 12 May, 2026

Profit Loss

FY25 FY24 FY23 FY22 FY21
Revenue from operations 1,691.74 1,628.69 1,069.45 901.73 986.19
Y-o-Y Revenue Growth 3.87% 52.29% 18.60% -8.56% 6.99%
Other Income 3.51 5.94 21.54 18.70 27.48
Total Income 1,695.25 1,634.63 1,090.99 920.43 1,013.67
Total Expenses (Excludes Interest and Depreciation) 918.37 624.29 527.64 429.86 756.80
Operating Profit (After deducting Depreciation) 766.52 998.72 537.05 466.01 222.70
OPM % 45.31 61.32 50.22 51.68 22.58
EBITDA 776.88 1,010.34 563.35 490.57 256.87
Depreciation 6.85 5.68 4.76 5.86 6.69
EBIT 770.03 1,004.66 558.59 484.71 250.18
Interest 631.95 592.23 468.64 401.76 467.99
EBT before Exceptional Items 138.08 412.43 89.95 82.95 -217.81
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 138.08 412.43 89.95 82.95 -217.81
Tax 28.41 98.72 19.24 21.99 -57.84
Net Profit 109.67 313.71 70.71 60.96 -159.97
EPS in Rs 6.93 19.83 4.47 3.85 -10.11
EPS Change % -65.04% 343.63% 16.00% -138.11% -226.15%
EBITDA Change % -23.11% 79.34% 14.84% 90.98% -53.84%
Profit growth -65.04% 343.63% 16.00% -138.11% -226.15%
ROCE 36.99% 50.61% 40.33% 45.52% 25.04%
ROE 5.42% 16.38% 5.28% 5.96% -16.69%
Debt / Equity Ratio 2.02 2.72 2.85 3.33 3.34
Sales growth 3Years 23.33%
Sales growth 5Years 12.91%
Dividend per share 0.00

Balance Sheet

FY25 FY24 FY23 FY22 FY21
Share Capital 158.91 157.41 150.39 120.18 120.18
Reserves 1,866.21 1,757.34 1,187.64 903.30 838.46
Total shareholders' funds 2,025.12 1,914.75 1,338.03 1,023.48 958.64
Borrowings 4,090.70 5,207.96 3,809.36 3,410.78 3,197.76
Other Liabilities 90.77 157.96 545.25 490.95 1,306.91
Total Liabilities 4,860.65 6,200.68 4,680.14 4,206.11 4,522.55
Fixed Assets 8.91 8.07 5.74 7.94 5.02
Capital WIP 0.00 0.00 0.00 0.00 0.00
Investments 363.34 90.16 78.77 0.05 0.00
Other Assets 29.87 52.20 75.97 61.16 30.19
Total Assets 6,885.79 8,115.44 6,018.17 5,229.22 5,481.19
Cash Equivalents 673.40 1,267.61 934.56 1,307.35 1,350.51
Total Current liability 4,804.30 6,130.27 4,632.95 4,164.39 4,482.21
Total Assets -Total Current liabilty 2,081.49 1,985.17 1,385.22 1,064.83 998.98

Cash Flow

FY25 FY24 FY23 FY22 FY21
Net Cash from / (used in) Operating Activity 1,013.05 -1,229.80 -923.18 224.61 113.72
Net Cash from / (used in) Investing Activity -210.56 -11.18 -106.82 -162.95 -2.01
Net Cash from / (used in) Financing Activity -1,304.97 1,623.38 632.93 -266.05 357.72
Net Inc/Dec In Cash And Cash Equivalents -502.48 382.40 -397.07 -204.39 469.43

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 4.06 25.89%
Non Promoters 11.61 74.11%

News

AROHAN FINANCIAL SERVICES LIMITED

  • www.arohan.in
  • Sector: Banks/NBFC/Payments
  • CHRYSEUM SCORE: 7.50/10.00
    ×

    AROHAN FINANCIAL SERVICES LIMITED

    • Sector: Banks/NBFC/Payments
    • CHRYSEUM SCORE: 7.50/10.00

    Description: Arohan Financial Services Limited is the leading NBFC-MFI having operations in low income states of India that are financially unpenetrated.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/B of Company

    1.80

    Avg P/B of Key Peers

    1.82

    P/B of Industry

    1.20

    Valuation Score

    1.00

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    23.33%

    PAT Growth

    21.62%

    BVPS Growth

    25.50%

    Growth Score

    3.50

    The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

    Key Metrics

    Max Score: 1.50

    ROA

    2.00

    Net NPA

    3.00

    Capital Adequacy

    3.00

    Key Metrics Score

    1.50

    The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹230.00 0.00 (0.00%)

As on 12 May, 2026
L 200.00 52 Week Range H 253.00
Company Description : Arohan Financial Services Limited is the leading NBFC-MFI having operations in low income states of India that are financially unpenetrated. It is the largest NBFC-MFI in eastern India
Company Overview
  • Name of Company AROHAN FINANCIAL SERVICES LIMITED
  • Sector Banks/NBFC/Payments
  • ISIN INE808K01017
  • Scrip Code AROHAN
  • CIN U74140WB1991PLC053189
  • Pan No AAECA6121D
  • Face Value 10
  • Price ₹ 230.00
  • No. of Shares outstanding 15.82 Cr.
  • Market Cap ₹ 3,638.88 Cr
Financials
  • Revenue from operations ₹ 1,691.74 Cr.
  • EBITDA ₹ 776.88 Cr.
  • EBITDA Margin % 45.92%
  • Profit After Tax ₹ 109.67 Cr.
  • PAT Margin % 6.47%
  • EPS 6.93
  • Stock P/E 33.19
  • Book Value Per Share 128.00
  • P/B 1.80
  • Debt/Equity 2.02
Other Key Statistics
  • 52 week High/Low 253.00/200.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 23.33%
  • EBITDA Growth - 3 years 16.56%
  • PAT Growth - 3 years 21.62%
  • EPS Growth - 3 years 21.64%
  • ROE 5.42%
  • ROCE 36.99%
  • Cash Equivalents 673.40
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY25
Company Name Arohan Financial Services Limited Credit Acess Grameen Satin Creditcare Network Ltd
Listing Status Unlisted Listed Listed
Total Revenue from Operations 1,691.74 5,752.33 2,594.69
Total Income 1,695.25 5,756.14 2,601.90
Finance Cost 631.95 1,947.56 1,048.60
Depreciation & Amortization 6.85 62.22 27.26
Total Expenses 1,557.17 5,047.27 2,366.14
EBITDA 776.88 2,718.65 1,311.62
PAT 109.67 531.40 186.12
No. of Shares Outstanding 15.82 15.97 11.05
EPS (in ₹) 6.93 33.27 16.85
Equity Share Capital 158.91 159.72 110.04
Total Net Worth 2,025.12 6,796.25 2,542.86
Total Assets 6,885.79 27,802.45 11,587.00
Borrowings 4,090.70 18,878.73 6,622.67
Key Metrics:
CMP* 230.00 1,184.00 160.00
Market Cap (In Cr.) 3,638.88 18,910.80 1,767.54
Market Cap/Sales 2.15 3.29 0.68
EPS (Earnings Per Share) 6.93 33.27 16.85
BVPS (Book Value Per Share) 128.00 425.51 230.18
P/E 33.19 35.59 9.50
P/BV 1.80 2.78 0.70
Debt-Equity 2.02 2.78 2.60
EBITDA Margin 45.92% 47.26% 50.55%
ROE 5.42% 7.82% 7.32%
ROA 1.59% 1.91% 1.61%
Capital Adeqacy Ratio 34.09% 25.42% 27.66%
*Market Price in ₹ as on 12 May, 2026

Profit Loss

FY25 FY24 FY23 FY22 FY21
Revenue from operations 1,691.74 1,628.69 1,069.45 901.73 986.19
Y-o-Y Revenue Growth 3.87% 52.29% 18.60% -8.56% 6.99%
Other Income 3.51 5.94 21.54 18.70 27.48
Total Income 1,695.25 1,634.63 1,090.99 920.43 1,013.67
Total Expenses (Excludes Interest and Depreciation) 918.37 624.29 527.64 429.86 756.80
Operating Profit (After deducting Depreciation) 766.52 998.72 537.05 466.01 222.70
OPM % 45.31 61.32 50.22 51.68 22.58
EBITDA 776.88 1,010.34 563.35 490.57 256.87
Depreciation 6.85 5.68 4.76 5.86 6.69
EBIT 770.03 1,004.66 558.59 484.71 250.18
Interest 631.95 592.23 468.64 401.76 467.99
EBT before Exceptional Items 138.08 412.43 89.95 82.95 -217.81
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 138.08 412.43 89.95 82.95 -217.81
Tax 28.41 98.72 19.24 21.99 -57.84
Net Profit 109.67 313.71 70.71 60.96 -159.97
EPS in Rs 6.93 19.83 4.47 3.85 -10.11
EPS Change % -65.04% 343.63% 16.00% -138.11% -226.15%
EBITDA Change % -23.11% 79.34% 14.84% 90.98% -53.84%
Profit growth -65.04% 343.63% 16.00% -138.11% -226.15%
ROCE 36.99% 50.61% 40.33% 45.52% 25.04%
ROE 5.42% 16.38% 5.28% 5.96% -16.69%
Debt / Equity Ratio 2.02 2.72 2.85 3.33 3.34
Sales growth 3Years 23.33%
Sales growth 5Years 12.91%
Dividend per share 0.00

Balance Sheet

FY25 FY24 FY23 FY22 FY21
Share Capital 158.91 157.41 150.39 120.18 120.18
Reserves 1,866.21 1,757.34 1,187.64 903.30 838.46
Total shareholders' funds 2,025.12 1,914.75 1,338.03 1,023.48 958.64
Borrowings 4,090.70 5,207.96 3,809.36 3,410.78 3,197.76
Other Liabilities 90.77 157.96 545.25 490.95 1,306.91
Total Liabilities 4,860.65 6,200.68 4,680.14 4,206.11 4,522.55
Fixed Assets 8.91 8.07 5.74 7.94 5.02
Capital WIP 0.00 0.00 0.00 0.00 0.00
Investments 363.34 90.16 78.77 0.05 0.00
Other Assets 29.87 52.20 75.97 61.16 30.19
Total Assets 6,885.79 8,115.44 6,018.17 5,229.22 5,481.19
Cash Equivalents 673.40 1,267.61 934.56 1,307.35 1,350.51
Total Current liability 4,804.30 6,130.27 4,632.95 4,164.39 4,482.21
Total Assets -Total Current liabilty 2,081.49 1,985.17 1,385.22 1,064.83 998.98

Cash Flow

FY25 FY24 FY23 FY22 FY21
Net Cash from / (used in) Operating Activity 1,013.05 -1,229.80 -923.18 224.61 113.72
Net Cash from / (used in) Investing Activity -210.56 -11.18 -106.82 -162.95 -2.01
Net Cash from / (used in) Financing Activity -1,304.97 1,623.38 632.93 -266.05 357.72
Net Inc/Dec In Cash And Cash Equivalents -502.48 382.40 -397.07 -204.39 469.43

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 4.06 25.89%
Non Promoters 11.61 74.11%

News

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