Smart Finsec

how big is Smart Finsec?

As of Jun 06, Smart Finsec Ltd has a market capitalization of 38.40 Cr, classifying it as a Micro Cap company, with recent net sales of 2.36 Cr and net profit of 1.17 Cr over the last four quarters. Shareholder's funds are reported at 14.51 Cr, with total assets of 14.56 Cr as of the latest annual period ending in Mar 24.

Market Cap: <BR>As of Jun 06, Smart Finsec Ltd has a market capitalization of 38.40 Cr, which classifies it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: <BR>For the latest 4 quarters, Smart Finsec reported a sum of Net Sales of 2.36 Cr and a sum of Net Profit of 1.17 Cr. This data is based on Standalone financials.<BR><BR>Balance Sheet Snapshot: <BR>The Balance Sheet data is also Standalone and pertains to the latest annual period ending in Mar 24. Shareholder's Funds are reported at 14.51 Cr, while Total Assets stand at 14.56 Cr.

Who are in the management team of Smart Finsec?

As of March 2019, the management team of Smart Finsec includes Arun Khera (Chairman & Managing Director), Sangita Jain and Arjun Pahwa (Independent Directors), Vimmi Sachdev and Sachit Khera (Directors), and Rajvinder Kaur (Company Secretary & Compliance Officer). These individuals are responsible for the company's governance and management.

As of March 2019, the management team of Smart Finsec includes the following individuals:<BR><BR>1. Arun Khera - Chairman & Managing Director<BR>2. Sangita Jain - Independent Director<BR>3. Vimmi Sachdev - Director<BR>4. Arjun Pahwa - Independent Director<BR>5. Sachit Khera - Director<BR>6. Rajvinder Kaur - Company Secretary & Compliance Officer<BR><BR>These members play key roles in the governance and management of the company.

What does Smart Finsec do?

Smart Finsec Ltd is a Non Banking Financial Company (NBFC) focused on the micro-cap market, with recent quarterly results showing net sales and profit of 0 Cr, and a market cap of Rs 39 Cr. Key metrics include a P/E ratio of 33.00 and a return on equity of 8.06%.

Overview:<BR>Smart Finsec Ltd is a Non Banking Financial Company (NBFC) operating in the micro-cap market segment.<BR><BR>History:<BR>Smart Finsec Ltd was originally incorporated as Kevalin Securities Private Limited in 1994 and later converted into a Public Limited Company in 1995 as Kevalin Securities Limited. The latest quarterly results reported net sales and net profit of 0 Cr for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 0 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 39 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 33.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.00 <BR>Return on Equity: 8.06% <BR>Price to Book: 2.68 <BR><BR>Contact Details:<BR>Address: FC-02 4th Floor TDI Mall, Vishal Enclave Rajouri Garden New Delhi New Delhi : 110027 <BR>Tel: 91-11-25167071/45004425/28161627 <BR>Email: info@smartfinsec.com <BR>Website: http://www.smartfinsec.com

Has Smart Finsec declared dividend?

No Dividend History Available

Who are the peers of the Smart Finsec?

Smart Finsec's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Anupam Finserv, Nalin Lease Fin., Arman Holdings, and Ashirwad Cap. In terms of management risk, Smart Finsec is rated below average, with a 1-year return of 6.51%, higher than Jio Financial's -20.26% but lower than Anupam Finserv's 30.20%.

Peers: The peers of Smart Finsec are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Anupam Finserv, Nalin Lease Fin., Arman Holdings, and Ashirwad Cap.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, and the rest. Average management risk is found at Jio Financial and Shriram Finance, while Good management risk is noted at Shriram Finance. Below Average management risk is seen at Anupam Finserv, Nalin Lease Fin., Smart Finsec, Arman Holdings, and Ashirwad Cap. Growth is Excellent at Jio Financial, Good at Bajaj Finance and Cholaman.Inv.&Fn, Average at Ashirwad Cap., and Below Average at Anupam Finserv, Nalin Lease Fin., Smart Finsec, Arman Holdings, and the rest. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Anupam Finserv, Nalin Lease Fin., Smart Finsec, and Ashirwad Cap., while Good is noted at Cholaman.Inv.&Fn and Arman Holdings.<BR><BR>Return Snapshot: Anupam Finserv has the highest 1-year return at 30.20%, while Jio Financial has the lowest at -20.26%. Smart Finsec's 1-year return is 6.51%, which is higher than Jio Financial but lower than Anupam Finserv. Additionally, Jio Financial, Nalin Lease Fin., and Ashirwad Cap. have negative six-month returns.

What is the technical trend for Smart Finsec?

As of April 28, 2025, Smart Finsec's technical trend is mildly bearish, supported by bearish moving averages and Bollinger Bands, despite mixed signals from the MACD and KST indicators.

As of 28 April 2025, the technical trend for Smart Finsec has changed from sideways to mildly bearish. The weekly MACD is mildly bullish, but the monthly MACD is mildly bearish, indicating mixed signals. The Bollinger Bands are bearish on both weekly and monthly time frames, and the daily moving averages are also bearish, reinforcing the negative outlook. The KST shows a bullish signal on the weekly but is mildly bearish monthly, adding to the complexity. Dow Theory indicates a mildly bearish stance on the weekly, with no trend on the monthly. Overall, the current technical stance is mildly bearish, driven primarily by the bearish moving averages and Bollinger Bands.

Who are the top shareholders of the Smart Finsec?

The top shareholders of Smart Finsec are mainly promoters, with Raman Khera owning 28.51%. Individual investors hold 24.06%, and there are no pledged promoter holdings or significant public shareholders.

The top shareholders of Smart Finsec are primarily the promoters, with Raman Khera holding the largest share at 28.51%. There are no pledged promoter holdings, and the company does not have any mutual funds or foreign institutional investors (FIIs) holding shares. Additionally, individual investors collectively hold 24.06% of the shares. There are no significant public shareholders listed.

How has been the historical performance of Smart Finsec?

Smart Finsec has experienced significant revenue declines, with net sales dropping from 50.82 Cr in Mar'22 to 2.37 Cr in Mar'25, while maintaining positive book value per share and increasing total assets. Despite challenges in profitability, shareholder equity has grown from 6.83 Cr in Mar'20 to 15.68 Cr in Mar'25.

Answer:<BR>The historical performance of Smart Finsec shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>Smart Finsec's net sales have seen a dramatic decline from 50.82 Cr in Mar'22 to just 2.37 Cr in Mar'25, indicating a challenging revenue environment. Total operating income followed a similar trend, dropping from 50.82 Cr in Mar'22 to 2.37 Cr in Mar'25. The company's total expenditure, excluding depreciation, also decreased significantly from 46.22 Cr in Mar'22 to 0.81 Cr in Mar'25. Operating profit, which peaked at 4.60 Cr in Mar'22, fell to 1.56 Cr in Mar'25, while profit before tax decreased from 4.55 Cr in Mar'22 to 1.50 Cr in Mar'25. Profit after tax mirrored this decline, dropping from 3.46 Cr in Mar'22 to 1.17 Cr in Mar'25. Despite these challenges, the company has managed to maintain a positive book value per share, which increased from 2.275 in Mar'20 to 5.23 in Mar'25. Total assets rose from 11.91 Cr in Mar'20 to 15.73 Cr in Mar'25, while total liabilities remained relatively stable, leading to a shareholder's fund increase from 6.83 Cr in Mar'20 to 15.68 Cr in Mar'25. Cash flow from operating activities remained positive at 2.00 Cr in both Mar'24 and Mar'25, although cash flow from investing activities turned negative in Mar'25 at -2.00 Cr. Overall, Smart Finsec's financial performance reflects significant revenue challenges but some resilience in asset management and shareholder equity growth.

Is Smart Finsec overvalued or undervalued?

As of December 2, 2025, Smart Finsec is considered undervalued with an attractive valuation grade, featuring a PE Ratio of 26.91, significantly lower than its peers like Bajaj Finance and Bajaj Finserv, indicating potential for recovery and growth despite recent underperformance against the Sensex.

As of 2 December 2025, Smart Finsec's valuation grade has moved from fair to attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued, particularly when compared to its peers. Key ratios include a PE Ratio of 26.91, an EV to EBIT of 18.55, and a Price to Book Value of 1.65. <BR><BR>In the peer comparison, Smart Finsec's PE Ratio is significantly lower than that of Bajaj Finance at 34.88, which is categorized as very expensive, and it also fares better than Bajaj Finserv, which has a PE of 34.04. Notably, while Smart Finsec has a PEG Ratio of 0.00, indicating no growth expectations priced in, it contrasts sharply with Life Insurance, which is very attractive with a PEG of 0.48. Despite recent underperformance against the Sensex, Smart Finsec's attractive valuation suggests potential for recovery and growth.

When is the next results date for Smart Finsec Ltd?

The next results date for Smart Finsec Ltd is 06 February 2026.

The next results date for Smart Finsec Ltd is scheduled for 06 February 2026.

Are Smart Finsec Ltd latest results good or bad?

Smart Finsec Ltd's latest results are considered bad, with a 25% decline in net profit and sales quarter-on-quarter, and a significant year-on-year drop of over 43%. Despite maintaining a high operating margin, the persistent revenue contraction and underperformance compared to the broader sector raise serious concerns about the company's future prospects.

Smart Finsec Ltd's latest results indicate a challenging situation for the company. In the third quarter of FY26, the company reported a net profit of ₹0.21 crore, which represents a significant decline of 25% quarter-on-quarter and 43.24% year-on-year. Similarly, net sales fell to ₹0.41 crore, down 25.45% QoQ and 43.84% YoY. This consistent revenue contraction raises serious concerns about the company's operational viability.<BR><BR>Despite the sharp decline in revenue, Smart Finsec has managed to maintain a relatively high operating margin of 65.85%, which shows some resilience in cost management. However, the overall financial performance is overshadowed by the persistent drop in sales and net profit, leading to a deteriorating return on equity (ROE) of just 6.12%, down from an average of 14.23%.<BR><BR>The stock has also underperformed significantly, down 36.64% over the past year, contrasting sharply with the positive performance of the broader NBFC sector, which has seen gains of 19.84%. This underperformance, combined with a lack of institutional support and a bearish technical outlook, suggests a lack of confidence in the company's future prospects.<BR><BR>In summary, Smart Finsec's latest results are largely viewed as bad, reflecting ongoing operational difficulties and a concerning trend in revenue and profitability.

Should I buy, sell or hold Smart Finsec Ltd?

Why is Smart Finsec Ltd falling/rising?

As of 23-Mar, Smart Finsec Ltd's stock price is at 7.55, down 1.95%, with a total decline of 2.58% over the last two days and 3.33% over the past month. The stock is currently facing challenges, including decreased investor participation and weaker performance relative to longer-term trends.

As of 23-Mar, Smart Finsec Ltd's stock price is currently at 7.55, reflecting a decrease of 0.15, or 1.95%. The stock has been experiencing a downward trend, having fallen for the last two consecutive days, resulting in a total decline of 2.58% during this period. Additionally, the stock's performance over the past month shows a decrease of 3.33%, while year-to-date, it has dropped by 8.26%. <BR><BR>In comparison to the broader market, Smart Finsec Ltd has outperformed the sector today by 1.85%, but overall, the finance/NBFC sector has seen a decline of 3.9%. The stock's moving averages indicate that it is currently higher than the 5-day moving average but lower than the 20-day, 50-day, 100-day, and 200-day moving averages, suggesting a weaker performance relative to longer-term trends. <BR><BR>Moreover, there has been a notable decrease in investor participation, with the delivery volume on March 20 falling by 37.47% compared to the 5-day average. This decline in trading activity may contribute to the stock's downward pressure. Overall, these factors indicate that Smart Finsec Ltd is currently facing challenges that are contributing to its falling stock price.

Why is Smart Finsec Ltd falling/rising?

As of 24-Mar, Smart Finsec Ltd's stock price is rising to 7.78, reflecting a 3.6% increase due to stronger sector performance, increased trading activity, and a reversal from recent declines. Despite short-term momentum, the stock remains below longer-term moving averages, indicating potential challenges ahead.

As of 24-Mar, Smart Finsec Ltd's stock price is rising, currently at 7.78, which reflects a change of 0.27 or 3.6% increase. This upward movement can be attributed to several factors. Firstly, the stock has outperformed its sector by 1.28%, indicating stronger performance relative to its peers. Additionally, there has been a trend reversal as the stock gained after two consecutive days of decline, suggesting a potential shift in market sentiment.<BR><BR>Moreover, the stock's delivery volume has significantly increased, with a rise of 293.97% against the 5-day average, indicating heightened investor interest and participation. The finance/NBFC sector has also seen a gain of 2.38%, which may contribute positively to the stock's performance. While the stock is currently above its 5-day and 20-day moving averages, it remains below its longer-term moving averages, which could suggest that while there is short-term momentum, there may still be challenges ahead.<BR><BR>Overall, the combination of improved sector performance, increased trading activity, and a reversal from recent declines are key factors contributing to the rise in Smart Finsec Ltd's stock price.

Why is Smart Finsec Ltd falling/rising?

As of 25-Mar, Smart Finsec Ltd's stock price is declining at 7.55, underperforming its sector by 4.23% and trading below all key moving averages. The stock has dropped 36.61% over the past year, contrasting with a 3.52% decrease in the benchmark Sensex, despite a significant increase in delivery volume.

As of 25-Mar, Smart Finsec Ltd's stock price is falling, currently at 7.55, which reflects a change of -0.1 or -1.31%. The stock has underperformed its sector by 4.23% today, indicating a weaker performance compared to the overall market. Additionally, Smart Finsec is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which suggests a bearish trend. <BR><BR>In terms of broader performance, the stock has seen a decline of 36.61% over the past year, while the benchmark Sensex has only decreased by 3.52% during the same period. Although there has been a significant increase in delivery volume, rising by 222.04% against the 5-day average, this has not translated into a positive price movement for the stock. Overall, these factors contribute to the current downward trend in Smart Finsec Ltd's stock price.

Which are the latest news on Smart Finsec?