Smart Finsec Peer Comparison

BSE: 539494

₹7.96

₹-0.11 (-1.36%)

As on 21-Sep-2026IST

Market cap

₹24 Cr

Revenue (TTM)

₹2 Cr

P/E Ratio

21.2

P/B Ratio

1.4

Div. Yield

0 %

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	Smart Finsec	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Market cap (₹ Cr)	24	34,428	29,645	25,839	22,370
Revenue (₹ Cr)	2	404	10,285	5,303	6,380
Net Profit (₹ Cr)	1.13	305.93	1,445.41	1,127.63	1,210.84
Net Margin (%)	53.27	74.72	14.02	21.20	18.97
RoE (%)	6.85	1.41	10.08	16.25	16.14
Price to Earnings	21.23	79.90	20.45	22.91	18.47
Price-To-Book	1.40	1.17	1.84	3.44	2.70

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement (₹ Cr)

	Smart Finsec	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Operating Income	2.11	403.54	10,284.59	5,303.14	6,379.52
Other Income	0.00	5.87	25.57	15.03	3.80
Total Income	2.37	306.22	10,031.14	3,250.99	5,756.14
Interest Expense	0.03	0.57	4,204.29	1,922.34	1,966.96
PBT & Exceptional Items	1.52	366.10	2,260.68	1,611.04	1,676.19
Operating Expenses	0.56	42.74	3,845.19	1,784.80	2,740.17
Exceptional Income/Expenses	0.00	0.00	0.00	0.00	0.00
Profit before Tax	1.53	362.26	1,950.48	1,497.38	1,612.11
Taxes	0.41	56.33	505.07	369.75	401.27
Profit after Tax	1.13	305.93	1,445.41	1,127.63	1,210.84
Minority Interest	0.00	0.00	4.05	0.00	0.00
Share of Associate	0.00	124.96	0.00	0.00	0.00
Consolidated Profit	1.12	430.89	1,449.46	1,127.63	1,210.84

Liabilities (₹ Cr)

	Smart Finsec	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Shareholder's Funds	16.67	29,221.16	16,050.74	7,203.48	7,842.25
Minority Interest	0.00	0.00	4.05	0.00	0.00
Non-Current Liabilities	0.07	3,407.06	141.91	115.58	137.71
Current Liabilities	0.07	23.91	58,360.20	25,356.94	23,950.27
Total Liabilities	15.78	35,100.39	54,550.48	21,485.87	29,334.64

Assets (₹ Cr)

	Smart Finsec	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Non-Current Assets	1.30	169.20	1,233.12	446.49	827.99
Current Assets	15.44	32,466.17	72,616.64	32,037.45	30,982.28
Total Assets	15.78	35,100.39	54,550.48	21,485.87	29,334.64
Contingent Liabilities	30.00	--	196.39	7.21	4.00

Cashflow (₹ Cr)

	Smart Finsec	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Cash From Operating Activities	2.67	206.21	-466.57	-4,312.62	1,125.24
Cash Flow from Investing Activities	-2.50	-165.99	-124.80	61.87	708.34
Cash from Financing Activities	--	-142.63	1,132.34	5,117.65	-1,669.38
Net Cash Inflow / Outflow	0.17	-102.41	540.97	866.90	164.20

Ratios

Profitability Ratios

	Smart Finsec	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
ROCE (%)	10.03	1.21	11.25	11.18	9.55
ROE (%)	6.85	1.41	10.08	16.25	16.14
ROA (%)	6.90	0.91	2.34	4.21	4.05
EBIT Margin (%)	73.96	88.46	59.60	64.20	56.04
Net Margin (%)	53.27	74.72	14.02	21.20	18.97
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

Growth Ratios

	Smart Finsec	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Revenue Growth (%)	-8.25	30.99	4.76	50.20	11.86
EBIT Growth (%)	5.26	33.57	33.65	58.09	64.71
Net Profit Growth (%)	-2.68	42.45	85.35	95.19	524.34
EPS Growth (%)	-2.68	-86.84	68.98	74.92	521.96
Book Value Growth (%)	8.09	3.76	7.66	12.13	5.63

Valuation Ratios

	Smart Finsec	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Price / Earnings	21.23	79.90	19.76	22.91	18.43
Price / Book Value	1.40	1.17	1.84	3.44	2.70
Dividend Yield (%)	0.00	0.50	0.63	0.07	0.00
EV/EBITDA	11.98	92.90	12.41	13.26	12.00
Market Cap (₹ Cr)	34.92	31,951.18	19,684.03	14,056.08	15,214.34

Solvency Ratios

	Smart Finsec	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Debt to Equity	0.00	0.00	2.85	0.00	0.00
Short term debt to equity ratio	--	--	2.89	0.98	1.50
Current Ratio	217.42	1,357.85	1.24	1.26	1.29
Quick Ratio	217.42	1,357.85	1.24	1.26	1.29
Interest Coverage	48.81	636.54	1.46	1.78	1.82

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Annual
Quarterly