Smart Finsec

Why is Smart Finsec Ltd falling/rising?

As of 01-Sep, Smart Finsec Ltd's stock price is declining, currently at 8.19, with a total drop of -2.62% over the last two days and a significant underperformance of -34.90% over the past year. Weak financial fundamentals and reduced investor interest contribute to a classification of the stock as a strong sell.

As of 01-Sep, Smart Finsec Ltd's stock price is falling, currently at 8.19, reflecting a change of -0.09 or -1.09%. The stock has been on a downward trend, having lost value for the last two consecutive days, with a total decline of -2.62% during this period. This decline is compounded by a significant drop in investor participation, as evidenced by a delivery volume of 2.51k on August 31, which is down by -77.52% compared to the 5-day average. <BR><BR>In terms of performance relative to benchmarks, the stock has underperformed, with a -34.90% return over the past year, compared to a -4.26% return for the Sensex. Additionally, the stock's moving averages indicate a concerning trend, as it is lower than the 5-day, 20-day, 100-day, and 200-day moving averages, despite being higher than the 50-day moving average. <BR><BR>The company's fundamentals also suggest weaknesses, with a return on equity (ROE) of only 7 and a significant decline in net sales at an annual rate of -40.16%. These factors contribute to a perception of poor long-term growth potential, leading to a classification of the stock as a strong sell. Overall, the combination of declining stock performance, reduced investor interest, and weak financial fundamentals are driving the stock price down.

Which are the latest news on Smart Finsec?

Who are in the management team of Smart Finsec?

The management team of Smart Finsec consists of Arun Khera (Chairman & Managing Director), Sangita Jain (Independent Director), Vimmi Sachdev (Director), Arjun Pahwa (Independent Director), Sachit Khera (Director), and Rajvinder Kaur (Company Secretary & Compliance Officer).

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>If you have any more questions about Smart Finsec or its operations, feel free to ask!

What does Smart Finsec do?

Smart Finsec Ltd is a Non Banking Financial Company (NBFC) focused on the micro-cap market, reporting net sales of 1 Cr and a net profit of 0 Cr for June 2026, with a market cap of INR 24 Cr. Key metrics include a P/E ratio of 22.00 and a return on equity of 6.99%.

Overview:<BR>Smart Finsec Ltd operates as a Non Banking Financial Company (NBFC) within 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 to a Public Limited Company in 1995. The most recent quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 1 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 0 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 24 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 22.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.03 <BR>Return on Equity: 6.99% <BR>Price to Book: 1.55 <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

Who are the peers of the Smart Finsec?

Smart Finsec's peers include Longspur Intl, IndiaNivesh, Ashirwad Cap., Paragon Finance, Navigant Corp., Easun Capital Ma, and Vani Commercials. While Navigant Corp. shows excellent management risk, Smart Finsec has below-average growth and a 1-year return of -33.87%.

Peers: The peers of Smart Finsec are Longspur Intl, IndiaNivesh, Ashirwad Cap., Paragon Finance, Navigant Corp., Easun Capital Ma, and Vani Commercials.<BR><BR>Quality Snapshot: Excellent management risk is observed at Navigant Corp., while Below Average management risk is found at Longspur Intl, IndiaNivesh, Ashirwad Cap., Paragon Finance, Smart Finsec, Easun Capital Ma, and Vani Commercials. Growth is Excellent at IndiaNivesh, Good at Vani Commercials, Average at Longspur Intl, Ashirwad Cap., and Paragon Finance, while Below Average growth is noted at Smart Finsec and Easun Capital Ma. Capital Structure is Excellent at IndiaNivesh, Ashirwad Cap., Paragon Finance, Smart Finsec, Navigant Corp., Easun Capital Ma, and Vani Commercials.<BR><BR>Return Snapshot: Longspur Intl has the highest 1-year return at 15.93%, while IndiaNivesh has the lowest at -27.77%, and Smart Finsec's 1-year return of -33.87% is lower than both. Additionally, IndiaNivesh, Ashirwad Cap., and Vani Commercials have negative six-month returns.

How big is Smart Finsec?

As of 31st August, Smart Finsec Ltd has a market capitalization of 24.00 Cr, with recent net sales of 2.11 Cr and a net profit of 1.13 Cr. The balance sheet for March 2025 shows shareholder's funds of 15.68 Cr and total assets of 15.73 Cr.

As of 31st August, Smart Finsec Ltd has a market capitalization of 24.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest 4 quarters, Smart Finsec reported Net Sales of 2.11 Cr and a Net Profit of 1.13 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, showing Shareholder's Funds of 15.68 Cr and Total Assets of 15.73 Cr.

Should I buy, sell or hold Smart Finsec Ltd?

Are Smart Finsec Ltd latest results good or bad?

Smart Finsec Ltd's latest Q4 FY26 results are concerning, with a 46.88% decline in net profit and a significant increase in the effective tax rate, leading to a "Strong Sell" classification and underperformance compared to its peers. Overall, the company's financial health shows serious challenges and a negative outlook.

Smart Finsec Ltd's latest results for Q4 FY26 indicate a concerning performance. The company reported a net profit of ₹0.17 crores, which represents a significant decline of 46.88% compared to the previous quarter. Additionally, revenue decreased slightly by 1.96% to ₹0.50 crores, although this figure shows a year-on-year improvement of 13.64% from the same quarter last year.<BR><BR>However, the overall financial health of the company raises red flags. The effective tax rate surged to 46.88%, a drastic increase from 20% in the prior quarter, which severely impacted profitability. The profit after tax (PAT) margin fell to 34.0%, down from 62.75% in Q3 FY26, marking the lowest level since September 2024.<BR><BR>The company's performance has been classified as "Flat," and it has a Mojo Score of 28 out of 100, placing it firmly in the "Strong Sell" category. Furthermore, Smart Finsec has underperformed its NBFC peers significantly, with a stock decline of 37.91% over the past year, while the sector as a whole gained 8.38%.<BR><BR>In summary, the latest results are indicative of serious operational challenges, including high tax burdens and revenue volatility, leading to a negative outlook for the company's future performance.

When is the next results date for Smart Finsec Ltd?

The next results date for Smart Finsec Ltd is 25 May 2026.

The next results date for Smart Finsec Ltd is scheduled for 25 May 2026.

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.

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.

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.

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.

Has Smart Finsec declared dividend?

No Dividend History Available