Smart Finsec

₹13.2 0.2 | 1.6%

WEBSITE BSE:539494 NSE : SMARTFIN 18 May, 12:50

Market Cap ₹40 Cr.

Stock P/E 20.8

P/B 2.8

Current Price ₹13.2

Book Value ₹ 4.7

Face Value 1

52W High ₹22.4

Dividend Yield 0%

52W Low ₹ 6.8

Edit Ratio

Smart Finsec Research see more...

Overview Inc. Year: 1995Industry: Finance - NBFC

Smart Finsec Share Price

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

Show Value Show %

Peer Comparison

Smart Finsec Quarterly Results

#(Fig in Cr.)	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Operating Revenue	10	23	12	7	7	12	4	5	8	11
Other Income	0	0	0	0	0	0	0	0	0	0
Total Income	10	23	12	7	7	12	4	5	8	11
Total Expenditure	9	22	12	6	7	11	4	5	6	11
Operating Profit	2	1	-0	0	0	1	0	-0	2	0
Interest Expense	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	2	1	-0	0	0	1	0	-0	2	0
Provision for Tax	0	0	0	0	0	0	0	0	0	0
Profit After Tax	1	1	-0	0	0	1	0	-0	2	0
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1	1	-0	0	0	1	0	-0	2	0
Adjusted Earnings Per Share	0.4	0.3	-0.1	0.1	0.1	0.3	0	-0	0.5	0.1

Smart Finsec Profit & Loss

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	1	1	6	16	5	10	32	53	31	28
Other Income	0	0	0	0	0	0	0	0	0	0
Total Income	1	1	7	16	5	10	32	53	31	28
Total Expenditure	1	1	5	14	4	9	31	48	29	26
Operating Profit	0	-0	1	1	1	1	1	5	2	2
Interest Expense	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	0	-0	1	1	1	0	0	5	2	2
Provision for Tax	-0	-0	0	0	0	0	-0	1	1	0
Profit After Tax	0	-0	1	1	1	0	0	3	1	2
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	0	-0	1	1	1	0	0	3	1	2
Adjusted Earnings Per Share	0	-0	0.4	0.3	0.2	0.1	0.1	1.2	0.5	0.6

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-42%	46%	14%	0%
Operating Profit CAGR	-60%	26%	15%	0%
PAT CAGR	-67%	0%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	69%	37%	20%	NA%
ROE Average	12%	19%	14%	12%
ROCE Average	14%	16%	12%	9%

Smart Finsec Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	4	4	4	5	10	11	6	7	7	11	12
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	5	5	9	3	1
Current Liability	0	0	0	0	0	0	1	0	0	0	0
Other Liabilities & Provisions	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Total Liabilities	4	4	4	5	10	11	12	12	16	13	14
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	0	0	0	0	0	0	0	0	0	0	0
Fixed Assets	1	1	2	2	2	2	2	2	2	1	1
Other Loans	0	0	0	0	0	0	0	0	0	0	0
Other Non Current Assets	0	0	0	0	0	0	0	0	0	0	0
Current Assets	3	3	2	3	8	9	11	10	15	12	12
Total Assets	4	4	4	5	10	11	12	12	16	13	14

Smart Finsec Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	0	0	0	0	1	0	1	2	1	0	0
Cash Flow from Operating Activities	-0	0	-0	-1	-1	-0	-0	-1	-5	5	-1
Cash Flow from Investing Activities	0	0	-0	0	-3	0	1	0	0	2	2
Cash Flow from Financing Activities	0	-0	0	2	3	0	0	0	4	-6	-1
Net Cash Inflow / Outflow	-0	0	-0	1	-1	-0	0	-1	-1	0	-0
Closing Cash & Cash Equivalent	0	0	0	1	0	0	2	1	0	0	0

Smart Finsec Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0	0	0	-0.03	0.37	0.29	0.19	0.11	0.15	1.15	0.47
CEPS(Rs)	0.09	0.08	0.03	-0.01	0.39	0.31	0.21	0.13	0.17	1.17	0.49
DPS(Rs)	0	0	0	0	0	0	0	0	0	0	0
Book NAV/Share(Rs)	0	0	0	1.28	1.65	1.93	2.15	2.28	2.41	3.58	4.05
Net Profit Margin	128.84	121.65	11.09	-8.8	17.65	5.55	12.16	3.53	1.4	6.55	4.59
Operating Margin	133.92	127.95	10.51	-21.46	22.71	6.35	15.32	5.2	1.69	8.62	6.24
PBT Margin	133.89	127.93	10.51	-21.46	22.71	6.35	15.32	4	1.39	8.61	6.24
ROA(%)	7.22	5.77	2.07	-1.7	14.52	8.29	5.02	2.8	3.16	23.24	10.49
ROE(%)	7.47	5.96	2.11	-2.03	25.34	16.07	9.5	5.13	6.36	38.49	12.35
ROCE(%)	7.72	6.25	2	-4.15	18.97	9.7	6.71	4.38	3.87	30.75	14.3
Price/Earnings(x)	0	0	0	0	0	18.02	27.96	62.57	34.18	6.35	12.77
Price/Book(x)	0	0	0	2.37	0	2.68	2.52	3.12	2.11	2.05	1.48
Dividend Yield(%)	0	0	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	14.25	14.88	3.84	10.5	1.2	1.3	4.09	2.63	0.76	0.46	0.63
EV/Core EBITDA(x)	10.2	11.28	34.92	-70.59	5.07	19.39	24.71	45.62	40.73	5.29	9.78
Interest Earned Growth(%)	74.76	-9.66	305.06	21.24	604.47	147.05	-69.22	101.46	231.74	65.26	-41.73
Net Profit Growth	400.93	-14.7	-63.07	-196.15	1513.14	-22.3	-32.57	-41.47	31.45	672.88	-59.16
EPS Growth(%)	0	0	0	-196.16	1513.14	-22.3	-32.57	-41.47	31.49	672.65	-59.16
Interest Coverage(x) %	5133.8	6497.92	0	0	0	0	0	4.33	5.6	1092.02	779.54

Smart Finsec Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	72.13	72.13	72.13	72.13	72.13	72.13	72.13	72.13	74.99	74.99
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	27.87	27.87	27.87	27.87	27.87	27.87	27.87	27.87	25.01	25.01
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	2.16	2.16	2.16	2.16	2.16	2.16	2.16	2.16	2.25	2.25
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.75	0.75
Others	0	0	0	0	0	0	0	0	0	0
Total	3	3	3	3	3	3	3	3	3	3

Pros

Debtor days have improved from 0.66 to 0.37days.
Company has reduced debt.
Company is almost debt free.

Cons

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.