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 25 May 2026.

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

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.

Should I buy, sell or hold Smart Finsec Ltd?

Why is Smart Finsec Ltd falling/rising?

As of 02-Jun, Smart Finsec Ltd's stock price is 8.25, down 0.36% and has fallen 4.61% over the last two days. The stock has significantly underperformed the Sensex over the past year, with a 39.11% decline, despite a recent increase in investor participation.

As of 02-Jun, Smart Finsec Ltd's stock price is currently at 8.25, reflecting a decrease of 0.03, or 0.36%. The stock has been experiencing a downward trend, having fallen consecutively for the last two days, resulting in a total decline of 4.61% during this period. Over the past week, the stock has underperformed the benchmark Sensex, with a loss of 2.71% compared to the Sensex's decline of 1.79%. <BR><BR>In terms of longer-term performance, the stock has seen a significant drop of 39.11% over the past year, while the Sensex has only decreased by 8.26%. Despite a year-to-date increase of 0.24%, the overall trend indicates a struggle for the stock, particularly in the one-month period where it has fallen by 8.54%, compared to the Sensex's decline of 2.94%. <BR><BR>On a more positive note, there has been a rise in investor participation, with delivery volume increasing by 66.06% on June 1st compared to the five-day average. However, this increase in participation has not yet translated into a positive price movement, as the stock remains lower than its 5-day, 20-day, and 200-day moving averages, although it is higher than the 50-day and 100-day moving averages. <BR><BR>Overall, the combination of recent consecutive declines, underperformance relative to the benchmark, and significant losses over the past year contribute to the current falling price of Smart Finsec Ltd's stock.

Which are the latest news on Smart Finsec?