Smart Finsec Peer Comparison

BSE: 539494

₹8.42

₹0.37 (4.60%)

As on 28-Aug-2026 10:26IST

Market cap

₹24 Cr

Revenue (TTM)

₹2 Cr

P/E Ratio

21.5

P/B Ratio

1.4

Div. Yield

0 %

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	Smart Finsec	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Market cap (₹ Cr)	24	32,689	32,432	22,808	22,692
Revenue (₹ Cr)	2	10,285	404	6,380	1,986
Net Profit (₹ Cr)	1.13	1,445.41	305.93	1,210.84	432.55
Net Margin (%)	53.27	14.02	74.72	18.97	21.13
RoE (%)	6.85	10.08	1.41	16.14	1.91
Price to Earnings	21.47	22.55	75.27	18.84	130.09
Price-To-Book	1.41	2.03	1.11	2.76	2.52

Income Statement (₹ Cr)

	Smart Finsec	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Operating Income	2.11	10,284.59	403.54	6,379.52	1,985.63
Other Income	0.00	25.57	5.87	3.80	61.51
Total Income	2.37	10,031.14	306.22	5,756.14	2,290.92
Interest Expense	0.03	4,204.29	0.57	1,966.96	415.66
PBT & Exceptional Items	1.52	2,260.68	366.10	1,676.19	593.37
Operating Expenses	0.56	3,845.19	42.74	2,740.17	1,021.21
Exceptional Income/Expenses	0.00	0.00	0.00	0.00	-8.45
Profit before Tax	1.53	1,950.48	362.26	1,612.11	517.31
Taxes	0.41	505.07	56.33	401.27	84.76
Profit after Tax	1.13	1,445.41	305.93	1,210.84	432.55
Minority Interest	0.00	4.05	0.00	0.00	-258.12
Share of Associate	0.00	0.00	124.96	0.00	0.00
Consolidated Profit	1.12	1,449.46	430.89	1,210.84	174.43

	Smart Finsec	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Shareholder's Funds	16.67	16,050.74	29,221.16	7,842.25	8,944.44
Minority Interest	0.00	4.05	0.00	0.00	-258.12
Non-Current Liabilities	0.07	141.91	3,407.06	137.71	1,951.04
Current Liabilities	0.07	58,360.20	23.91	23,950.27	9,114.80
Total Liabilities	15.78	54,550.48	35,100.39	29,334.64	25,723.77

	Smart Finsec	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Non-Current Assets	1.30	1,233.12	169.20	827.99	1,428.30
Current Assets	15.44	72,616.64	32,466.17	30,982.28	24,615.78
Total Assets	15.78	54,550.48	35,100.39	29,334.64	25,723.77
Contingent Liabilities	30.00	196.39	--	4.00	243.48

	Smart Finsec	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Cash From Operating Activities	2.67	-466.57	206.21	1,125.24	-983.74
Cash Flow from Investing Activities	-2.50	-124.80	-165.99	708.34	-69.73
Cash from Financing Activities	--	1,132.34	-142.63	-1,669.38	415.28
Net Cash Inflow / Outflow	0.17	540.97	-102.41	164.20	-638.19

	Smart Finsec	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
ROCE (%)	10.03	11.25	1.21	9.55	11.51
ROE (%)	6.85	10.08	1.41	16.14	1.91
ROA (%)	6.90	2.34	0.91	4.05	1.65
EBIT Margin (%)	73.96	59.60	88.46	56.04	44.31
Net Margin (%)	53.27	14.02	74.72	18.97	21.13
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

	Smart Finsec	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Revenue Growth (%)	-8.25	4.76	30.99	11.86	4.68
EBIT Growth (%)	5.26	33.65	33.57	64.71	-21.01
Net Profit Growth (%)	-2.68	85.35	42.45	524.34	-13.32
EPS Growth (%)	-2.68	68.98	-86.84	521.96	-47.26
Book Value Growth (%)	8.09	7.66	3.76	5.63	115.42

	Smart Finsec	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Price / Earnings	21.47	21.79	75.27	18.80	133.31
Price / Book Value	1.41	2.03	1.11	2.76	2.52
Dividend Yield (%)	0.00	0.57	0.53	0.00	0.00
EV/EBITDA	12.15	12.89	87.37	12.12	21.36
Market Cap (₹ Cr)	34.92	19,684.03	31,951.18	15,214.34	11,607.06

	Smart Finsec	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Debt to Equity	0.00	2.85	0.00	0.00	0.43
Short term debt to equity ratio	--	2.89	--	1.50	0.00
Current Ratio	217.42	1.24	1,357.85	1.29	2.70
Quick Ratio	217.42	1.24	1,357.85	1.29	2.70
Interest Coverage	48.81	1.46	636.54	1.82	2.24

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