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Smart Finsec

SMARTFINSECLTD NSE

Key Fundamentals

MicrocapNBFCFinancial Services
Market Cap
₹24.24 Cr
Volatility
Moderate
P/E Ratio
21.9
EBITDA
₹1.40 Cr
Return on Equity
5.86%
Debt to Equity
0
Book Value
₹5.56
EPS
₹0.79
52W High
₹13.25
52W Low
₹6.3

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

1
  • Company is almost debt free.

Weaknesses

4
  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of -39.0% over past five years.
  • Company has a low return on equity of 10.1% over last 3 years.
  • Working capital days have increased from 1,159 days to 1,942 days

Growth Rate

Revenue Growth
-16.67% higher than 3Y
Net Income Growth
-16.67% lower than 3Y
Cash Flow Change
-120% level than 3Y
ROE
-21.66% lower than 3Y
ROCE
-15.63% higher than 3Y
EBITDA Margin (Avg.)
4.15% lower than 3Y

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
5.14
7.85
11.25
0.84
0.61
0.73
0.58
0.44
0.55
0.41
0.51
0.5
0.69
Expenses
5.25
5.76
10.76
0.16
0.21
0.23
0.17
0.18
0.19
0.14
0.12
0.17
0.13
Financing Profit
-0.11
2.09
0.49
0.68
0.4
0.49
0.41
0.26
0.36
0.27
0.38
0.32
0.55
Fin. Margin %
-2.14%
26.62%
4.36%
80.95%
65.57%
67.12%
70.69%
59.09%
65.45%
65.85%
74.51%
64%
79.71%
Other Income
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
0
0
0
0
0
0.01
0
0
0
0
0.01
0.01
0.01
Depreciation
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0
-0.02
0
0
PBT
-0.12
2.08
0.48
0.67
0.39
0.48
0.4
0.25
0.35
0.27
0.4
0.32
0.55
Tax %
0%
23.08%
20.83%
20.9%
20.51%
22.92%
22.5%
16%
20%
22.22%
20%
46.88%
21.82%
Net Profit
-0.12
1.59
0.37
0.53
0.3
0.37
0.3
0.2
0.28
0.21
0.32
0.17
0.43
EPS in Rs
-0.04
0.53
0.12
0.18
0.1
0.12
0.1
0.07
0.09
0.07
0.11
0.06
0.14
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
0.74
-0.03
1.3
15.54
4.69
9.64
23.22
50.82
30.75
25.07
2.37
1.97
2.11
Expenses
0.8
0.25
0.14
14.5
3.87
9.08
22.62
46.22
28.78
21.93
0.8
0.61
0.56
Financing Profit
-0.06
-0.28
1.16
1.04
0.82
0.44
0.5
4.6
1.97
3.14
1.56
1.34
1.52
Fin. Margin %
-8.11%
933.33%
89.23%
6.69%
17.48%
4.56%
2.15%
9.05%
6.41%
12.52%
65.82%
68.02%
72.04%
Other Income
0.14
0.15
0.33
0
0
0
0
0
0
0
0
0
0
Interest
0
0
0
0
0
0.12
0.1
0
0
0
0.01
0.02
0.03
Depreciation
0
0.06
0.06
0.06
0.06
0.05
0.05
0.05
0.05
0.06
0.06
0
-0.02
PBT
0.08
-0.19
1.43
0.98
0.76
0.39
0.45
4.55
1.92
3.08
1.5
1.34
1.54
Tax %
-12.5%
-57.89%
22.38%
13.27%
19.74%
12.82%
0%
23.96%
26.04%
23.7%
21.33%
26.87%
—
Net Profit
0.08
-0.08
1.11
0.86
0.61
0.34
0.45
3.46
1.41
2.37
1.17
0.98
1.13
EPS in Rs
0.03
-0.03
0.37
0.29
0.2
0.11
0.15
1.15
0.47
0.79
0.39
0.33
0.38
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
3
3
3
3
3
3
3
3
3
3
3
3
Reserves
0.9
0.83
1.94
2.8
3.41
3.83
4.24
7.73
9.14
11.51
12.68
13.67
Borrowing
0
1.5
4.8
4.8
4.8
4.8
9.05
2.6
1.4
0
0
0
Other Liabilities
0.11
0.1
0.32
0.23
1.4
0.3
0.14
0.05
0.05
0.09
0.1
0.14
Total Liabilities
4.01
5.43
10.06
10.83
12.61
11.93
16.43
13.38
13.59
14.6
15.78
16.81
Fixed Assets
1.85
1.8
1.74
1.68
1.62
1.57
1.51
1.46
1.4
1.35
1.3
1.3
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
1.46
1.46
5.33
5.81
5.65
4.3
4.54
2.71
1.06
1.77
1.9
2
Other Assets
0.7
2.17
2.99
3.34
5.34
6.06
10.38
9.21
11.13
11.48
12.58
13.51
Total Assets
4.01
5.43
10.06
10.83
12.61
11.93
16.43
13.38
13.59
14.6
15.78
16.81
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-0.07
-1.08
-0.74
-0.16
0.02
-0.79
-4.87
4.68
-0.5
2.66
2.67
-0.54
Investing
-0.07
0.13
-3.49
0
0
0
0
1.83
1.62
-0.6
-2.5
-0.12
Financing
0.02
1.96
3.3
0
0
0
4.25
-6.45
-1.2
-1.4
0
0
Net Cash Flow
-0.12
1.01
-0.93
-0.16
0.02
-0.79
-0.61
0.06
-0.09
0.66
0.17
-0.66
Free Cash Flow
-1.06
-1.08
-0.74
-0.16
0.02
-0.79
-4.87
4.68
-0.5
2.65
2.67
-0.53
CFO/OP
117
386
-64
-15
2
-141
-812
102
-25
85
170
-40
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
2.33%
-2.07%
25.31%
16.01%
9.99%
5.14%
6.4%
38.51%
12.33%
17.79%
7.75%
6.06%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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57 extracted metrics + investor summaries across FY11–FY26.

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Shareholding Pattern

Promot.74.99%Others0.89%Public24.12%As ofJun 2026

Documents

Frequently Asked Questions about Smart Finsec

What does Smart Finsec Ltd do?
Incorporated in 1994, Smart Finsec Ltd is in the business of lending small loans and investments in stocks, securities, and bonds.[1]
Where is Smart Finsec Ltd (539494) listed?
Smart Finsec Ltd trades as SMARTFINSECLTD on the NSE and under code 539494 on the BSE.
Which sector does Smart Finsec Ltd belong to?
Smart Finsec Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Smart Finsec Ltd?
Smart Finsec Ltd has a market capitalisation of ₹24.24 Cr, which places it in the Small Cap band.
What is the PE ratio of Smart Finsec Ltd?
Smart Finsec Ltd trades at a PE ratio of 21.90, on earnings per share of ₹0.79, against a book value of ₹5.56 per share.
What is the 52-week high and low of Smart Finsec Ltd?
Over the last 52 weeks Smart Finsec Ltd has traded between ₹6.3 and ₹13.25.
What is the Return on Equity (ROE) of Smart Finsec Ltd?
Smart Finsec Ltd reported a return on equity of 5.86%. Its debt-to-equity ratio is 0.00.

Company Information

Incorporated in 1994, Smart Finsec Ltd is in the business of lending small loans and investments in stocks, securities, and bonds.[1]

Website smartfinsec.com
Listed 2016-01-07
Face Value ₹ 1

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