Smart Finsec

BSE: SMARTFIN · Non Banking Financial Company (NBFC)

52W Range₹6 ₹14

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Snapshot

Unlock Smart Finsec's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Smart Finsec Limited is an Indian non-banking financial company focused on investment and financing activities. The firm provides financial services such as inter-corporate deposits, short-term loans, and equity investments.

Business Model

The company generates revenue by leveraging its capital to provide strategic lending and managing a portfolio of equity shares and securities. It focuses on identifying credit opportunities and managing liquidity within the domestic corporate market.

Growth Outlook

Growth is driven by the company's ability to identify credit opportunities and manage its investment portfolio within the Indian corporate landscape.

Key Risks

  • Credit Risk. The company faces potential losses if borrowers default on short-term loans or inter-corporate deposits.
  • Market Risk. Fluctuations in the equity markets can significantly impact the value of the company's investment portfolio.
  • Regulatory Risk. As an NBFC, the company is subject to evolving regulations from the Reserve Bank of India which may impact operational flexibility.
  • Liquidity Risk. The firm's reliance on short-term lending and market investments may lead to liquidity constraints during periods of financial market volatility.

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Key Metrics

REVENUE

₹2 Cr

TTM · standalone

-16.5%YoY

NET PROFIT

₹0.98 Cr

TTM · standalone

-16.2%YoY

EPS

₹0.33

TTM · standalone

-15.4%YoY

RETURN ON EQUITY

6.2%

TTM · standalone

-1.7 ppYoY

P/E

24.5x

Q4 FY26 · standalone

24.5 vs 18.9x5Y avg

NET PROFIT MARGIN

34.0%

Q4 FY26 · standalone

-11.5 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Smart FinsecSMARTFIN
₹25 Cr25.42-16.5%6.2%-33.0%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials