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Smart Finsec Ltd
Smart Finsec Ltd Valuation Shifts to Very Attractive Amidst Market Challenges
Smart Finsec Ltd, a Non Banking Financial Company (NBFC), has seen a notable shift in its valuation parameters, moving from an attractive to a very attractive rating despite ongoing market headwinds. This change reflects a significant reappraisal of its price-to-earnings (P/E) and price-to-book value (P/BV) ratios relative to its historical averages and peer group, offering investors a fresh perspective on the stock’s price attractiveness.
Smart Finsec Ltd Declines 0.74%: Key Financial Struggles and Market Pressure
Smart Finsec Ltd’s shares declined by 0.74% over the week ending 6 February 2026, closing at Rs.8.05 against a 1.51% gain in the Sensex. The stock’s performance was weighed down by a fresh 52-week low early in the week and disappointing quarterly results announced on Friday, reflecting persistent operational challenges amid a recovering broader market.
Are Smart Finsec Ltd latest results good or bad?
Smart Finsec Ltd's latest results are concerning, with a 43.84% year-on-year decline in net sales and a significant drop in net profit, indicating ongoing operational challenges. Despite stable operating margins, the company's return on equity has decreased, and it has underperformed compared to the broader NBFC sector.
Smart Finsec Q3 FY26: Revenue Decline Deepens Amid Persistent Operational Headwinds
Smart Finsec Limited, a micro-cap non-banking financial company, reported a challenging third quarter for FY2026, with net sales declining 25.45% quarter-on-quarter to ₹0.41 crores and falling 43.84% year-on-year. Net profit for Q3 FY26 stood at ₹0.21 crores, down 25.00% from the previous quarter's ₹0.28 crores and 43.24% lower than the year-ago period's ₹0.37 crores. The Delhi-based NBFC, with a modest market capitalisation of ₹25.00 crores, continues to grapple with revenue generation challenges despite maintaining relatively stable profitability margins.
Smart Finsec Ltd Falls to 52-Week Low Amidst Continued Underperformance
Smart Finsec Ltd, a Non Banking Financial Company (NBFC), touched a fresh 52-week low of Rs.7.22 on 2 Feb 2026, marking a significant decline amid sustained underperformance relative to its sector and benchmark indices.
Smart Finsec Ltd Stock Falls to 52-Week Low of Rs.7.26 on 27 Jan 2026
Smart Finsec Ltd, a Non Banking Financial Company (NBFC), touched a fresh 52-week low of Rs.7.26 today, marking a significant decline in its share price amid a broader market downturn and persistent underperformance relative to its sector and benchmark indices.
Smart Finsec Ltd Falls to 52-Week Low Amid Continued Underperformance
Smart Finsec Ltd, a Non Banking Financial Company (NBFC), touched a fresh 52-week low of Rs.7.36 today, marking a significant decline in its share price amid ongoing challenges reflected in its financial and market performance.
Smart Finsec Ltd Stock Falls to 52-Week Low of Rs.7.66
Smart Finsec Ltd, a Non Banking Financial Company (NBFC), touched a fresh 52-week low of Rs.7.66 today, marking a significant decline amid a sustained downtrend that has seen the stock underperform both its sector and broader market indices over the past year.
Smart Finsec Ltd is Rated Strong Sell
Smart Finsec Ltd is rated Strong Sell by MarketsMOJO. This rating was last updated on 27 January 2025. However, the analysis and financial metrics discussed below reflect the stock’s current position as of 26 December 2025, providing investors with an up-to-date view of the company’s fundamentals, returns, and market performance.
Smart Finsec Falls to 52-Week Low of Rs.8 Amidst Continued Downtrend
Smart Finsec, a Non Banking Financial Company (NBFC), has reached a new 52-week low of Rs.8, marking a significant decline in its stock price amid ongoing downward momentum and underperformance relative to its sector and broader market indices.
Smart Finsec Sees Revision in Market Evaluation Amidst Challenging Financial Trends
Smart Finsec, a microcap player in the Non Banking Financial Company (NBFC) sector, has experienced a revision in its market evaluation reflecting ongoing challenges in its financial and technical outlook. This shift highlights the evolving investor sentiment and the company's current position within a competitive and volatile market environment.
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.
Smart Finsec Falls to 52-Week Low of Rs.8.52 Amidst Prolonged Downtrend
Smart Finsec, a Non Banking Financial Company (NBFC), recorded a fresh 52-week low of Rs.8.52 today, marking a significant milestone in its ongoing price decline. This new low reflects the stock’s continued underperformance relative to the broader market and its sector peers.
Smart Finsec Stock Falls to 52-Week Low of Rs.8.66 Amidst Prolonged Downtrend
Smart Finsec, a Non Banking Financial Company (NBFC), recorded a new 52-week low of Rs.8.66 today, marking a significant decline amid a sustained period of negative returns and underperformance relative to its sector and broader market indices.
Smart Finsec Falls to 52-Week Low of Rs.8.66 Amidst Prolonged Downtrend
Smart Finsec, a Non Banking Financial Company (NBFC), touched a new 52-week low of Rs.8.66 today, marking a significant milestone in its ongoing price decline. The stock has been on a downward trajectory for the past seven consecutive trading sessions, reflecting a cumulative return of -8.06% over this period.
Why is Smart Finsec falling/rising?
On 21-Nov, Smart Finsec Ltd recorded a 1.5% rise in its share price, closing at ₹9.46, marking a notable reversal after five consecutive days of decline despite its longer-term underperformance against the Sensex benchmark.
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.
How has been the historical performance of Smart Finsec?
Smart Finsec has experienced significant declines in net sales and profitability from March 2022 to March 2025, with net sales dropping from INR 50.82 crore to INR 2.37 crore, while total assets increased slightly. Despite reduced operational costs, the overall financial performance indicates a challenging period for the company.
Is Smart Finsec overvalued or undervalued?
As of November 10, 2025, Smart Finsec is fairly valued with a PE ratio of 25.62, but has underperformed the Sensex with a year-to-date return of -34.27%, raising concerns about its growth prospects compared to peers like Bajaj Finance and Life Insurance.
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