Smart Finsec
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Smart Finsec share price

Smart Finsec Ltd.

BSE: 539494 SECTOR: Finance - NBFC  23.17 K   41   2

12.78
-0.20 (-1.54%)
BSE: 08 Sep 04:01 PM

Price Summary

Today's High

₹ 13.3

Today's Low

₹ 12.76

52 Week High

₹ 27.21

52 Week Low

₹ 9.36

FinStar is Suspended!

The FinStar rating for this company is currently unavailable due to limited data disclosure. As a micro-cap company, it may carry higher risk and limited transparency. We will update the FinStar rating once more reliable data becomes available.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 38.34 Cr.

Advances

₹ 0 Cr.

No. of Shares

3 Cr.

P/E

33.19

P/B

2.4

Face Value

₹ 1

Div. Yield

0 %

Book Value (TTM)

₹  5.32

Operating Revenue

₹ 25.83 Cr.

Net Profit

₹ 2.37 Cr.

Promoter Holding

74.99 %

EPS (TTM)

₹  0.39

Sales Growth

-16.07

ROE

17.75 %

ROCE

22.02%

Profit Growth

67.45 %

Add Your Ratio

* 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

View Full Peer Comparison
* 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

0.49

PAT Margin (%)

9.1557

EPS Growth(%)

67.4596

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 74.99 0.00
Mar 2025 74.99 0.00
Dec 2024 74.99 0.00
Sep 2024 74.99 0.00
Jun 2024 74.99 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 16.8508% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 22.8630666666667%.
  • TThe company has been maintaining a healthy ROCE of 22.3549666666667% 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 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 0.61 0.73 0.58 0.44 0.55
Other Income 0 0 0 0 0
Interest Expended 0 0.01 0 0 0
Operating Expenses 0.22 0.24 0.17 0.18 0.18
Total Provisions 0 0 0 0 0
Depreciation 0.01 0.01 0.01 0.01 0.01
Profit Before Tax 0.38 0.47 0.4 0.25 0.35
Tax 0.08 0.11 0.09 0.04 0.07
Net Profit 0.3 0.37 0.3 0.2 0.28
Adjusted EPS (RS) 0.1 0.12 0.1 0.07 0.09

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 Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 74.99 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 3.11 3.11 3.11 3.11 3.11
PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
investors 25.01 25.01 25.01 25.01 25.01
1 to 18843 - - - - 24.04
1 to 15316 - - - 23.09 -
1 to 13541 - - 24.01 - -
1 to 13945 - 24.00 - - -
1 to 12724 23.64 - - - -

Annual Reports

Title Link
Title Link
Annual Report 2021
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Concalls & Presentations

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Company News

Smart Finsec - Quaterly Results 12 Aug, 5:10 PM Smart Finsec - Quaterly Results 12 Aug, 5:10 PM Smart Finsec - Quaterly Results 12 Aug, 5:10 PM Smart Finsec - Quaterly Results 26 May, 5:24 PM Smart Finsec - Quaterly Results 26 May, 5:24 PM Smart Finsec - Quaterly Results 26 May, 5:24 PM Smart Finsec - Quaterly Results 3 Feb, 12:00 PM Smart Finsec - Quaterly Results 3 Feb, 12:00 PM Smart Finsec - Quaterly Results 3 Feb, 12:00 PM 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?

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse Smart Finsec. 

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 12.78. Smart Finsec is trading at a current P/E ratio of 17.4531 and the average historical P/E for the last 5 years was 26.6648297276505.
  • P/B ratio can be one of the best metrics to value such companies. Currently, Smart Finsec is trading at a P/B of 2.40135287485908. The average historical P/B for the last 5 years was 2.32204448607058. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of Smart Finsec in Ticker for free. Also, one can get the intrinsic value of Smart Finsec by using Valuation Calculators, which are available with a Finology ONE subscription. 

Smart Finsec FAQs

Q1. What is Smart Finsec share price today?
Ans: The current share price of Smart Finsec is Rs 12.78.

Q2. What is the market capitalisation of Smart Finsec?
Ans: Smart Finsec has a market capitalisation of Rs 38.34 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Smart Finsec?
Ans: The PE ratio of Smart Finsec is 33.1948051948052 and the P/B ratio of Smart Finsec is 2.40135287485908, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Smart Finsec share?
Ans: The 52-week high share price of Smart Finsec is Rs 27.21, and the 52-week low share price of Smart Finsec is Rs 9.36.

Q5. Does Smart Finsec pay dividends?
Ans: Currently, Smart Finsec does not pay dividends. Dividend yield of Smart Finsec is around 0%.

Q6. What are the face value and book value of Smart Finsec shares?
Ans: The face value of Smart Finsec shares is Rs 1, while the book value per share of Smart Finsec is around Rs 5.322. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of Smart Finsec?
Ans: The ROE of Smart Finsec is 17.7477% and ROCE of Smart Finsec is 22.017%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Smart Finsec a good buy for the long term?
Ans: The Smart Finsec long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Smart Finsec undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Smart Finsec appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Smart Finsec’s financials?
Ans: You can review Smart Finsec’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about Smart Finsec
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