Smart Finsec

Market Cap: Micro Cap
Industry: Non Banking Financial Company (NBFC)
ISIN: INE766D01020
NSEID:
BSEID: 539494

INR

8.96

0.13 (1.47%)

BSENSE

Dec 05

BSE+NSE Vol: 1.69 k

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  "main_header": {
    "sid": 200714,
    "name": "Smart Finsec",
    "stock_name": "Smart Finsec",
    "full_name": "Smart Finsec Ltd",
    "name_url": "stocks-analysis/smart-finsec",
    "exchange": 0,
    "exchangecode": "",
    "country_id": 34,
    "currency": "INR",
    "cmp": "8.96",
    "chg": 0.13,
    "chgp": "1.47%",
    "dir": 1,
    "prev_price": "8.83",
    "mcapval": "27.00 Cr",
    "mcap": "Micro Cap",
    "scripcode": 539494,
    "symbol": "",
    "ind_name": "Non Banking Financial Company (NBFC)",
    "ind_code": 5,
    "indexname": "",
    "isin": "INE766D01020",
    "curr_date": "Dec 05",
    "curr_time": "",
    "bse_nse_vol": "1.69 k",
    "exc_status": "Active",
    "traded_date": "Dec 05, 2025",
    "traded_date_str": "2025 12 05",
    "score": "",
    "scoreText": "",
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  "news": {
    "results": [
      {
        "title": "Is Smart Finsec overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-smart-finsec-overvalued-or-undervalued-3742650",
        "imagepath": "",
        "date": "2025-12-03 08:07:06",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Current Valuation Metrics and Financial Performance</strong></p>\n<p>Smart Finsec’s price-to-earnings (PE) ratio stands at approximately 27, which is moderate within the NBFC space. Its price-to-book (P/B) value is 1.65, indicating the stock trades at a premium to its book value but not excessively so. The enterprise value to EBITDA (EV/EBITDA) ratio is around 18.1, suggesting the market values the company’s earnings before interest, taxes, depreciation, and amortisation at a reasonable multiple compared to some peers.</p>\n<p>Return on capital employed (ROCE) is reported at 9.77%, while return on equity (ROE) is 6.12%. These returns, although positive, are modest and reflect the company’s operational efficiency and profitability. The absence of a dividend yield may deter income-focused invest..."
      },
      {
        "title": "Smart Finsec Falls to 52-Week Low of Rs.8.52 Amidst Prolonged Downtrend",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/smart-finsec-stock-falls-to-52-week-low-of-rs852-amidst-weak-performance-3732965",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/SmartFinsec_priceRelatedfactors_3732965.png",
        "date": "2025-11-27 09:44:28",
        "description": "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."
      },
      {
        "title": "Smart Finsec Stock Falls to 52-Week Low of Rs.8.66 Amidst Prolonged Downtrend",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/smart-finsec-stock-falls-to-52-week-low-amidst-continued-downtrend-3724445",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/SmartFinsec_priceRelatedfactors_3724445.png",
        "date": "2025-11-24 10:16:33",
        "description": "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."
      },
      {
        "title": "Smart Finsec Falls to 52-Week Low of Rs.8.66 Amidst Prolonged Downtrend",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/smart-finsec-stock-falls-to-52-week-low-of-rs866-amidst-continued-downtrend-3724446",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/SmartFinsec_priceRelatedfactors_3724446.png",
        "date": "2025-11-24 10:16:24",
        "description": "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."
      },
      {
        "title": "Why is Smart Finsec falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-smart-finsec-fallingrising-3721826",
        "imagepath": "",
        "date": "2025-11-22 00:24:35",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Recent Price Movement and Market Context</strong></p>\n<p>Smart Finsec’s share price increase on 21 November comes after five consecutive days of losses, signalling a potential shift in investor sentiment. Despite this uptick, the stock remains below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating that the broader trend remains bearish. This technical positioning suggests that while the stock has shown short-term resilience, it continues to face downward pressure in the medium to long term.</p>\n<p>Comparatively, the stock has underperformed the broader market benchmarks significantly over multiple time horizons. Over the past week, Smart Finsec declined by 3.37%, whereas the Sensex gained 0.79%. The one-month performance shows a sharper ..."
      },
      {
        "title": "How has been the historical performance of Smart Finsec?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-smart-finsec-3702751",
        "imagepath": "",
        "date": "2025-11-14 23:31:48",
        "description": "Answer:\nThe historical performance of Smart Finsec shows significant fluctuations in key financial metrics over the years.\n\nBreakdown:\nSmart 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 Ma..."
      },
      {
        "title": "How has been the historical performance of Smart Finsec?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-smart-finsec-3698797",
        "imagepath": "",
        "date": "2025-11-13 23:12:07",
        "description": "Answer:\nThe historical performance of Smart Finsec has shown significant fluctuations over the years, particularly in net sales and profitability.\n\nBreakdown:\nSmart Finsec's net sales have experienced a notable decline from INR 50.82 crore in March 2022 to INR 2.37 crore in March 2025. This downward trend is reflected in total operating income, which also decreased from INR 50.82 crore in March 2022 to INR 2.37 crore in March 2025. The company's total expenditure, excluding depreciation, dropped significantly from INR 46.22 crore in March 2022 to INR 0.81 crore in March 2025, indicating a substantial reduction in operational costs. Operating profit (PBDIT) followed a similar pattern, peaking at INR 4.60 crore in March 2022 before falling to INR 1.56 crore in March 2025. Profit before tax also decreased from INR 4.55 crore in March 2022 to INR 1.50 crore in March 2025, while profit after tax saw a decline fr..."
      },
      {
        "title": "Is Smart Finsec overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-smart-finsec-overvalued-or-undervalued-3687508",
        "imagepath": "",
        "date": "2025-11-11 08:08:05",
        "description": "As of 10 November 2025, the valuation grade for Smart Finsec has moved from very expensive to fair. The company is currently fairly valued, with a PE ratio of 25.62, an EV to EBIT ratio of 16.42, and a ROCE of 29.73%. In comparison to peers, Bajaj Finance is considered very expensive with a PE ratio of 38.76, while Life Insurance is very attractive with a PE ratio of 11.14.\n\nDespite the recent downgrade in valuation, Smart Finsec's performance has lagged behind the Sensex, with a year-to-date return of -34.27% compared to the Sensex's 6.91%. This underperformance, along with the current valuations, suggests that while the company is fairly valued, there may be concerns regarding its growth prospects relative to its peers...."
      },
      {
        "title": "Is Smart Finsec overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-smart-finsec-overvalued-or-undervalued-3683820",
        "imagepath": "",
        "date": "2025-11-10 08:07:02",
        "description": "As of 7 November 2025, the valuation grade for Smart Finsec has moved from fair to very expensive, indicating a significant shift in its market perception. The company is currently considered overvalued. Key ratios include a PE ratio of 26.09, an EV to EBIT of 16.79, and a ROCE of 29.73%. \n\nIn comparison to its peers, Smart Finsec's valuation stands out as notably high, especially when contrasted with Bajaj Finance, which has a PE ratio of 38.09, and Life Insurance, which is valued attractively with a PE of 11.44. Additionally, Smart Finsec's stock has underperformed relative to the Sensex, with a year-to-date return of -33.07% compared to the Sensex's 6.50%, further reinforcing the perception of overvaluation in the current market environment...."
      }
    ],
    "total": 11736,
    "sid": "200714",
    "stock_news_url": "https://www.marketsmojo.com/news/smart-finsec-200714"
  },
  "announcements": [
    {
      "caption": "Announcement under Regulation 30 (LODR)-Newspaper Publication",
      "datetime": "14-Nov-2025",
      "details": "Newspaper Publication of Unaudited Financial Results for the quarter and half year ended September 30 2025",
      "source": "BSE"
    },
    {
      "caption": "Intimation Regarding Non-Applicability Of Disclosure Of Related Party Transactions Under Regulation 23 Of The SEBI (LODR) Regulations 2015",
      "datetime": "13-Nov-2025",
      "details": "Intimation for Non Applicability of Disclosure of Related Party Transactions under Regulation 23 of the SEBI (LODR) Regulations 2015",
      "source": "BSE"
    },
    {
      "caption": "Announcement under Regulation 30 (LODR)-Resignation of Director",
      "datetime": "13-Nov-2025",
      "details": "Intimation regarding Resignation of Director",
      "source": "BSE"
    }
  ],
  "corporate_actions": [
    {
      "img": "board-meeting.svg",
      "title": "BOARD MEETING",
      "msg": "<span>No</span> Upcoming Board Meetings",
      "data": []
    },
    {
      "img": "dividend.svg",
      "title": "DIVIDEND",
      "msg": "No <strong>Dividend</strong> history available",
      "data": []
    },
    {
      "img": "splits.svg",
      "title": "SPLITS",
      "msg": "",
      "data": [
        {
          "txt": "Smart Finsec Ltd has announced <strong>1:10</strong> stock split, ex-date: 30 Aug 21",
          "dt": "2021-08-30",
          "middle_text": "Split"
        }
      ]
    },
    {
      "img": "bonus.svg",
      "title": "BONUS",
      "msg": "No <strong>Bonus</strong> history available",
      "data": []
    },
    {
      "img": "rights-issues.svg",
      "title": "RIGHTS",
      "msg": "No <strong>Rights</strong> history available",
      "data": []
    }
  ]
}

News and Views

Is Smart Finsec overvalued or undervalued?

2025-12-03 08:07:06

Current Valuation Metrics and Financial Performance

Smart Finsec’s price-to-earnings (PE) ratio stands at approximately 27, which is moderate within the NBFC space. Its price-to-book (P/B) value is 1.65, indicating the stock trades at a premium to its book value but not excessively so. The enterprise value to EBITDA (EV/EBITDA) ratio is around 18.1, suggesting the market values the company’s earnings before interest, taxes, depreciation, and amortisation at a reasonable multiple compared to some peers.

Return on capital employed (ROCE) is reported at 9.77%, while return on equity (ROE) is 6.12%. These returns, although positive, are modest and reflect the company’s operational efficiency and profitability. The absence of a dividend yield may deter income-focused invest...

Smart Finsec Falls to 52-Week Low of Rs.8.52 Amidst Prolonged Downtrend

2025-11-27 09:44:28

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

2025-11-24 10:16:33

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

2025-11-24 10:16:24

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?

2025-11-22 00:24:35

Recent Price Movement and Market Context

Smart Finsec’s share price increase on 21 November comes after five consecutive days of losses, signalling a potential shift in investor sentiment. Despite this uptick, the stock remains below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating that the broader trend remains bearish. This technical positioning suggests that while the stock has shown short-term resilience, it continues to face downward pressure in the medium to long term.

Comparatively, the stock has underperformed the broader market benchmarks significantly over multiple time horizons. Over the past week, Smart Finsec declined by 3.37%, whereas the Sensex gained 0.79%. The one-month performance shows a sharper ...

How has been the historical performance of Smart Finsec?

2025-11-14 23:31:48

Answer: The historical performance of Smart Finsec shows significant fluctuations in key financial metrics over the years. Breakdown: 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 Ma...

How has been the historical performance of Smart Finsec?

2025-11-13 23:12:07

Answer: The historical performance of Smart Finsec has shown significant fluctuations over the years, particularly in net sales and profitability. Breakdown: Smart Finsec's net sales have experienced a notable decline from INR 50.82 crore in March 2022 to INR 2.37 crore in March 2025. This downward trend is reflected in total operating income, which also decreased from INR 50.82 crore in March 2022 to INR 2.37 crore in March 2025. The company's total expenditure, excluding depreciation, dropped significantly from INR 46.22 crore in March 2022 to INR 0.81 crore in March 2025, indicating a substantial reduction in operational costs. Operating profit (PBDIT) followed a similar pattern, peaking at INR 4.60 crore in March 2022 before falling to INR 1.56 crore in March 2025. Profit before tax also decreased from INR 4.55 crore in March 2022 to INR 1.50 crore in March 2025, while profit after tax saw a decline fr...

Is Smart Finsec overvalued or undervalued?

2025-11-11 08:08:05

As of 10 November 2025, the valuation grade for Smart Finsec has moved from very expensive to fair. The company is currently fairly valued, with a PE ratio of 25.62, an EV to EBIT ratio of 16.42, and a ROCE of 29.73%. In comparison to peers, Bajaj Finance is considered very expensive with a PE ratio of 38.76, while Life Insurance is very attractive with a PE ratio of 11.14. Despite the recent downgrade in valuation, Smart Finsec's performance has lagged behind the Sensex, with a year-to-date return of -34.27% compared to the Sensex's 6.91%. This underperformance, along with the current valuations, suggests that while the company is fairly valued, there may be concerns regarding its growth prospects relative to its peers....

Is Smart Finsec overvalued or undervalued?

2025-11-10 08:07:02

As of 7 November 2025, the valuation grade for Smart Finsec has moved from fair to very expensive, indicating a significant shift in its market perception. The company is currently considered overvalued. Key ratios include a PE ratio of 26.09, an EV to EBIT of 16.79, and a ROCE of 29.73%. In comparison to its peers, Smart Finsec's valuation stands out as notably high, especially when contrasted with Bajaj Finance, which has a PE ratio of 38.09, and Life Insurance, which is valued attractively with a PE of 11.44. Additionally, Smart Finsec's stock has underperformed relative to the Sensex, with a year-to-date return of -33.07% compared to the Sensex's 6.50%, further reinforcing the perception of overvaluation in the current market environment....

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