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Smart Finsec Key Ratios

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BSE: 539494

₹8.05

up-down-arrow ₹-0.04 (-0.49%)

As on 27-Aug-2026IST

Market cap

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₹25 Cr

Revenue (TTM)

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₹2 Cr

P/E Ratio

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22

P/B Ratio

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1.4

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 38.05 26.23 -8.25 -58.28 -40.15
EBIT 69.39 57.91 5.26 3.28 -7.07
Net Profit 154.44 52.48 -8.93 -58.49 -40.29
EPS 154.53 52.45 -2.72 0.43 -5.79
Book Value -- -- 8.09 13.48 18.10
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-25Mar-24
EBIT-Margin info 27.5118.5773.9663.9812.32
Net Margin info --1.4053.27----
Return on equity info 12.6216.556.857.7817.75
Return on Assets info 11.6912.296.907.7516.82

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
--
10.03
22.02
14.30
30.75
Peer Median
--
10.60
9.14
6.69
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

6.85

Lower than Peers by 2.37

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
6.85
7.78
17.75
12.35
38.49
Peer Median
9.22
10.78
8.66
3.91
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

6.90

Higher than Peers by 4.18

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
6.90
7.75
16.82
10.49
23.24
Peer Median
2.72
3.50
2.67
1.71
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

73.96

Higher than Peers by 3.75

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
73.96
63.98
12.32
6.24
8.62
Peer Median
70.21
61.18
97.28
57.74
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

53.27

Higher than Peers by 29.53

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
53.27
49.58
9.43
4.59
6.55
Peer Median
23.73
26.68
51.92
19.92
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
0.00
51.91
9.65
4.77
6.65
Peer Median
--
--
0.00
0.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-8.25

Lower than Peers by 27.06

Year on year growth in net sales

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
-8.25
-90.56
-18.55
-41.73
65.26
Peer Median
18.81
17.06
34.70
13.78
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

5.26

Lower than Peers by 12.33

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
5.26
-50.95
60.73
-57.80
743.05
Peer Median
17.59
15.67
38.04
29.81
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

-8.93

Lower than Peers by 27.56

Year on year growth in profit after tax

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
-8.93
-50.37
67.45
-59.16
672.88
Peer Median
18.63
11.48
49.18
49.38
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-2.72

Lower than Peers by 9.88

Year on year growth in earnings per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
-2.72
-50.37
67.46
-59.16
672.65
Peer Median
7.15
-3.51
50.00
46.43
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
--
8.09
19.48
13.16
48.30
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
--
--
--
0.12
0.24
Peer Median
--
2.00
1.60
0.41
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

217.42

Higher than Peers by 215.99

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
217.42
147.95
144.22
221.99
258.60
Peer Median
1.43
4.14
2.82
3.70
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

217.42

Higher than Peers by 216.00

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
217.42
147.93
144.22
147.05
83.99
Peer Median
1.43
1.54
1.36
1.66
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

48.81

Higher than Peers by 46.93

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
48.81
107.44
3,088.50
768.64
1,092.02
Peer Median
1.88
1.98
2.17
2.17
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

21.97

Lower than Peers by 0.76

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
21.97
29.75
17.45
12.77
6.35
Peer Median
22.73
20.09
19.35
28.54
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.45

Lower than Peers by 0.68

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
1.45
2.23
2.84
1.48
2.05
Peer Median
2.13
1.53
1.83
1.10
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
--
--
--
--
--
Peer Median
0.13
0.05
0.16
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

14.11

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
14.11
20.06
12.89
9.78
5.29
Peer Median
--
13.42
23.06
17.63
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

25

Lower than Peers by 9,096

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Smart Finsec
25
35
41
18
22
Peer Median
9,121
3,133
4,482
525
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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