Smart Finsec
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Smart Finsec share price

Smart Finsec Ltd.

BSE: 539494 SECTOR: Finance - NBFC  20k   39   2

20.05
-2.22 (-9.97%)
BSE: 14 Nov 4:00 PM

Price Summary

Today's High

₹ 21.99

Today's Low

₹ 20.05

52 Week High

₹ 27.21

52 Week Low

₹ 8.12

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 60.15 Cr.

Advances

₹ 0 Cr.

No. of Shares

3 Cr.

P/E

21.58

P/B

4.06

Face Value

₹ 1

Div. Yield

0 %

Book Value (TTM)

₹  4.94

Operating Revenue

₹ 25.83 Cr.

Net Profit

₹ 2.37 Cr.

Promoter Holding

74.99 %

EPS (TTM)

₹  0.93

Sales Growth

-16.07

ROE

17.75 %

ROCE

22.02%

Profit Growth

67.45 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year-16.07%
3 Year-6.85%
5 Year40.12%

Profit Growth

1 Year67.45%
3 Year74.2%
5 Year32.39%

ROE%

1 Year17.75%
3 Year22.86%
5 Year16.02%

ROCE %

1 Year22.02%
3 Year22.35%
5 Year15.06%

ROA%

16.8194

PEG Ratio

0.32

PAT Margin (%)

9.1557

EPS Growth(%)

67.4596

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 74.99 0.00
Jun 2024 74.99 0.00
Mar 2024 74.99 0.00
Dec 2023 74.99 0.00
Sep 2023 72.13 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 4.5666%.
  • Company has maintained a good ROA of 16.85081411491% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 22.8630755718919%.
  • TThe company has been maintaining a healthy ROCE of 22.354967258235% since last 3 years.
  • Promoters shareholding is 74.99%.

 Limitations

  • The company has delivered poor profit growth of -6.85090853688419% over past 3 years
  • The company has delivered poor Operating Income growth of -6.85090853688419% over past 3 years.
  • Provision and contingencies have increased by 1297.27272727273%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024
Operating Revenue 5.14 7.79 11.18 0.84 0.61
Other Income 0 0.06 0.07 0 0
Interest Expended 0 0 0 0 0
Operating Expenses 5.25 5.76 10.76 0.16 0.22
Total Provisions 0 0 0 0 0
Depreciation 0.01 0.01 0.01 0.01 0.01
Profit Before Tax -0.12 2.07 0.47 0.67 0.38
Tax 0 0.48 0.1 0.14 0.08
Net Profit -0.12 1.59 0.37 0.53 0.3
Adjusted EPS (RS) -0.04 0.53 0.12 0.18 0.1

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 9.64 31.96 52.82 30.78 25.83
Other Income 0 0 0 0 0
Interest 0.12 0.1 0 0 0
Operating Expenses 9.13 22.68 46.21 28.83 21.98
Total Provisions 0.01 8.75 2.06 0.03 0.77
Exceptional Items 0 0 0 0 0
Profit Before Tax 0.39 0.44 4.55 1.92 3.09
Tax 0.05 0 1.09 0.51 0.72
Profit After Tax 0.34 0.45 3.46 1.41 2.37
Adjusted EPS (Rs.) 0.11 0.15 1.15 0.47 0.79

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 3 3 3 3 3
Total Reserves 3.83 4.24 7.73 9.14 11.51
Borrowings 4.8 9.05 2.6 1.4 0
Other N/C liabilities -0.02 -0.02 -0.02 -0.03 -0.04
Current liabilities 0.3 0.14 0.05 0.05 0.09
Total Liabilities 11.91 16.41 13.35 13.57 14.56
Assets
Loans 0 0 0 0 0
Net Block 1.57 1.51 1.46 1.4 1.35
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 0 0 0 0 0
Other Loans 0.09 0.06 0.06 0 0.02
Other N/C Assets 0 0 0 0 0
Current Assets 10.26 14.84 11.84 12.17 13.18
Total Assets 11.91 16.41 13.35 13.57 14.56
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 72.13 74.99 74.99 74.99 74.99
arun khera 27.95 27.95 27.95 27.95 27.95
arun khera (huf) 12.42 12.42 12.42 12.42 12.42
raman khera 28.51 28.51 28.51 28.51 28.51
sachit khera 3.00 3.00 3.00 3.00 3.00
sunaina khera 0.25 3.11 3.11 3.11 3.11
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 27.87 25.01 25.01 25.01 25.01
1 to 15316 - - - - 23.09
1 to 13541 - - - 24.01 -
1 to 13945 - - 24.00 - -
1 to 12724 - 23.64 - - -
1 to 8241 18.62 - - - -
alisha makhija 3.30 - - - -
asha gambhir 2.75 - - - -
jogesh sachdeva 1.61 - - - -

Annual Reports

Ratings & Research Reports

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Company Presentations

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Company News

Smart Finsec informs about certificate 15 Oct, 9:28 AM Smart Finsec - Quaterly Results 13 Aug, 5:33 PM Smart Finsec informs about disclosure 19 Jun, 4:49 PM Smart Finsec - Quaterly Results 21 May, 5:41 PM Smart Finsec - Quaterly Results 21 May, 5:41 PM Smart Finsec - Quaterly Results 21 May, 5:41 PM Smart Finsec informs about press release 9 Feb, 3:10 PM Smart Finsec - Quaterly Results 8 Feb, 5:01 PM Smart Finsec - Quaterly Results 8 Feb, 5:01 PM Smart Finsec - Quaterly Results 8 Feb, 5:01 PM Smart Finsec informs about disclosure 29 Nov, 5:23 PM Smart Finsec - Quaterly Results 8 Nov, 4:47 PM Smart Finsec informs about alteration of MoA 27 Sep, 5:12 PM Smart Finsec informs about AGM and cut-off date for e-voting 4 Sep, 11:05 AM Smart Finsec - Quaterly Results 10 Aug, 3:49 PM Smart Finsec - Quaterly Results 10 Aug, 3:49 PM Smart Finsec informs about disclosure 3 May, 4:57 PM Smart Fintec informs about disclosure 2 May, 4:46 PM Smart Finsec informs about non-applicability of large corporate entity 24 Apr, 4:34 PM Smart Finsec informs about compliance certificate 19 Apr, 4:41 PM Smart Finsec informs about compliance certificate 19 Apr, 4:30 PM Smart Finsec - Quaterly Results 7 Feb, 3:38 PM Smart Finsec - Quaterly Results 7 Feb, 3:38 PM Smart Finsec - Quaterly Results 7 Feb, 3:38 PM Smart Finsec informs about trading window closure 31 Dec, 1:51 PM Smart Finsec informs about board meeting 26 Aug, 4:13 PM Smart Finsec - Quaterly Results 10 Aug, 3:40 PM Smart Finsec - Quaterly Results 10 Aug, 3:40 PM Smart Finsec - Quaterly Results 27 May, 4:18 PM Smart Finsec informs about board meeting 17 May, 12:23 PM Smart Finsec informs about -applicability of annual secretarial compliance report 9 May, 9:34 AM Smart Finsec informs about closure of trading window 1 Apr, 12:49 PM Smart Finsec informs about certificate 17 Jan, 10:03 AM Smart Finsec informs about outcomes of board meeting 11 Jan, 4:32 PM Smart Finsec informs about board meeting 26 Aug, 5:22 PM Smart Finsec informs about certificate for non-applicability of annual secretarial compliance report 26 Apr, 12:55 PM Smart Finsec informs about board meeting 6 Feb, 10:25 AM Smart Finsec informs about board meeting 27 Nov, 10:29 AM

Smart Finsec Stock Price Analysis and Quick Research Report. Is Smart Finsec an attractive stock to invest in?

Around 2% of India's total population invests in financial assets. The mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

Smart Finsec stock price today is Rs 20.05. To understand the functions of the Smart Finsec better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Smart Finsec is Rs 2.3653 Cr and the compounded growth of profit in the past 3 years is 74.1969807969538 %. The PAT margin of Smart Finsec is 9.1557 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Smart Finsec , the EPS grew by 67.4596 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Smart Finsec has a average ROE track record. The ROE of Smart Finsec is at 17.7477 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Smart Finsec is worth at the current levels at Rs 20.05. The stock is trading at a current P/E ratio of 17.4531 and the average historical P/E for the last 5 years was 26.6648211502737.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Smart Finsec is trading at a P/B of 4.0614 . The average historical P/B of Smart Finsec for the last 5 years was 2.32203852796955. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Smart Finsec is Rs 20.05. One can use valuation calculators of ticker to know if Smart Finsec share price is undervalued or overvalued.

Last Updated on:
Brief about Smart Finsec
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