Smart Finsec Ltd

SMARTFIN

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Market Cap

₹ 26 Cr

P/E

26.42

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Performance

UNDER PERFORMER

Valuation

OVERVALUED

Growth

SLUGGISH

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Smart Finsec Limited is a registered Non-Banking Finance Company (NBFC) in India, primarily engaged in lending small loans and investing in stocks, securities, and bonds.

The company underwent multiple name changes, beginning as Kevalin Securities Private Limited in 1994 and becoming Smart Finsec Limited in 2010.

Smart Finsec was registered as a NBFC with the Reserve Bank of India on May 19, 2014, marking its formal entry into the financial services sector.

Despite its comprehensive offerings in small loans and securities investments, further information on strategic directions or recent performance is unavailable due to missing presentations and transcripts.

Sector

Finance

Industry

NBFC-Others

Market Cap

26 Cr

Volatility

High Risk

P/E Ratio

26.4

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

1.6

52W High

17.58

52W Low

8.00

Sales CAGR

-90.55%

-64.02%

-24.47%

10Y

11.44%

Profit CAGR

-50.63%

-30.24%

28.09%

10Y

—

ROE

TTM

6.15%

11.70%

14.69%

10Y

11.76%

ROCE

TTM

7.65%

14.92%

15.84%

10Y

12.37%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
STANROS	68.80	27 Cr	—	0.68	0.00	-7.52	-7.39	-6.99
ACFL	—	27 Cr	13.22	0.26	0.00	1.96	2.72	1.94
BAZELINTER	69.00	27 Cr	23.55	0.43	0.00	2.04	3.80	1.11
INTECCAP	14.44	27 Cr	5.51	0.72	0.00	13.06	13.70	6.59
SMARTFIN	8.79	26 Cr	26.42	1.62	0.00	6.15	7.65	5.93
JINDCAP	35.88	26 Cr	32.62	2.23	0.00	6.80	9.83	3.45
INDIANVSH	6.66	25 Cr	—	0.00	0.00	24.53	1.00	-10.50

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	5.14	7.85	11	0.84	0.61	0.73	0.58	0.44	0.55	0.41
Expenses	5.26	5.77	11	0.16	0.22	0.24	0.18	0.18	0.19	0.14
Interest	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00
Financing Profit	-0.12	2.08	0.48	0.68	0.39	0.48	0.40	0.26	0.36	0.27
Financing Margin %	-2.33	26.50	4.27	80.95	63.93	65.75	68.97	59.09	65.45	65.85
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00
Profit Before Tax	-0.12	2.07	0.47	0.67	0.38	0.47	0.40	0.25	0.35	0.27
Tax %	0.00	23.19	21.28	20.90	21.05	23.40	22.50	16.00	20.00	22.22
Net Profit	-0.12	1.59	0.37	0.53	0.30	0.37	0.30	0.20	0.28	0.21
EPS in Rs	-0.04	0.53	0.12	0.18	0.10	0.12	0.10	0.07	0.09	0.07
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	6.29	16	4.63	9.64	23	51	31	25	2.37	2.30
Expenses	5.13	14	3.89	9.08	23	46	29	22	0.80	0.79
Interest	0.00	0.00	0.00	0.12	0.10	0.00	0.00	0.00	0.01	0.01
Financing Profit	1.16	1.04	0.74	0.44	0.50	4.60	1.97	3.14	1.56	1.50
Financing Margin %	18.42	6.72	15.94	4.57	2.15	9.06	6.42	12.53	65.71	65.22
Other Income	0.33	0.00	0.05	0.00	0.00	0.00	0.00	0.00	0.00	NaN
Depreciation	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.06	0.06	0.04
Profit Before Tax	1.43	0.99	0.73	0.39	0.44	4.55	1.92	3.09	1.50	1.47
Tax %	448.81	797.93	484.66	856.44	-11,731.39	416.94	378.82	427.51	459.10	21.77
Net Profit	1.11	0.86	0.58	0.34	0.45	3.46	1.41	2.37	1.17	1.15
EPS in Rs	0.37	0.29	0.21	0.11	0.15	4.78	0.47	0.79	0.39	0.33
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00
Reserves	0.83	1.94	2.80	3.45	3.83	4.24	7.73	9.14	12	13
Borrowings	0.00	0.00	0.00	4.80	4.80	9.05	2.60	1.40	0.00	0.00
Other Liabilities	1.60	5.12	5.03	1.12	0.30	0.14	0.05	0.05	0.09	0.10
Total Liabilities	5.43	10	11	12	12	16	13	14	15	16
Fixed Assets	1.80	1.74	1.68	1.62	1.57	1.51	1.46	1.40	1.35	1.30
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	4.28	4.30	4.54	2.71	1.06	1.77	1.90
Other Assets	3.63	8.31	9.14	6.47	6.07	10	9.21	11	11	13
Total Assets	5.43	10	11	12	12	16	13	14	15	16

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-1.08	-0.74	-0.16	-0.15	-0.79	-4.87	4.68	-0.50	2.66	2.67
Cash from Investing Activity	0.13	-3.49	0.00	0.51	0.00	0.00	1.83	1.62	-0.60	-2.50
Cash from Financing Activity	1.96	3.30	0.00	0.00	0.00	4.25	-6.45	-1.20	-1.40	0.00
Net Cash Flow	1.01	-0.93	-0.16	0.36	-0.79	-0.61	0.06	-0.09	0.66	0.17

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	72.13%	72.13%	72.13%	72.13%	74.99%	74.99%	74.99%	74.99%	74.99%	74.99%	74.99%	74.99%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	27.87%	27.87%	27.87%	27.87%	25.01%	25.01%	25.01%	25.01%	25.01%	25.01%	25.01%	25.01%
Total Shareholders	7,505	7,813	8,359	8,345	12,853	14,080	13,663	15,450	18,973	19,014	18,128	17,432

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Dec 19, 2023	Alisha makhija	Bulk	Sell	13.24	0.58 Cr	4,40,000	1.46
Dec 18, 2023	Alisha makhija	Bulk	Sell	13.18	0.59 Cr	4,50,000	1.5
May 02, 2023	Sachit khera	Insider - Promoter Group	Disposal	—	—	47,47,540	15.8
May 02, 2023	Raman khera	Insider - Promoter Group	Acquisition	—	—	46,15,270	15.3
May 02, 2023	Arun khera	Insider - Promoter Group	Acquisition	—	—	46,15,270	15.3
May 02, 2023	Sunaina khera	Insider - Promoter Group	Disposal	—	—	32,00,000	10.6
May 02, 2023	Upasana khera	Insider - Promoter Group	Disposal	—	—	12,83,000	4.28

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

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Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	5.14	7.85	11	0.84	0.61	0.73	0.58	0.44	0.55	0.41
Expenses	5.26	5.77	11	0.16	0.22	0.24	0.18	0.18	0.19	0.14
Interest	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00
Financing Profit	-0.12	2.08	0.48	0.68	0.39	0.48	0.40	0.26	0.36	0.27
Financing Margin %	-2.33	26.50	4.27	80.95	63.93	65.75	68.97	59.09	65.45	65.85
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00
Profit Before Tax	-0.12	2.07	0.47	0.67	0.38	0.47	0.40	0.25	0.35	0.27
Tax %	0.00	23.19	21.28	20.90	21.05	23.40	22.50	16.00	20.00	22.22
Net Profit	-0.12	1.59	0.37	0.53	0.30	0.37	0.30	0.20	0.28	0.21
EPS in Rs	-0.04	0.53	0.12	0.18	0.10	0.12	0.10	0.07	0.09	0.07
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	6.29	16	4.63	9.64	23	51	31	25	2.37	2.30
Expenses	5.13	14	3.89	9.08	23	46	29	22	0.80	0.79
Interest	0.00	0.00	0.00	0.12	0.10	0.00	0.00	0.00	0.01	0.01
Financing Profit	1.16	1.04	0.74	0.44	0.50	4.60	1.97	3.14	1.56	1.50
Financing Margin %	18.42	6.72	15.94	4.57	2.15	9.06	6.42	12.53	65.71	65.22
Other Income	0.33	0.00	0.05	0.00	0.00	0.00	0.00	0.00	0.00	NaN
Depreciation	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.06	0.06	0.04
Profit Before Tax	1.43	0.99	0.73	0.39	0.44	4.55	1.92	3.09	1.50	1.47
Tax %	448.81	797.93	484.66	856.44	-11,731.39	416.94	378.82	427.51	459.10	21.77
Net Profit	1.11	0.86	0.58	0.34	0.45	3.46	1.41	2.37	1.17	1.15
EPS in Rs	0.37	0.29	0.21	0.11	0.15	4.78	0.47	0.79	0.39	0.33
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00
Reserves	0.83	1.94	2.80	3.45	3.83	4.24	7.73	9.14	12	13
Borrowings	0.00	0.00	0.00	4.80	4.80	9.05	2.60	1.40	0.00	0.00
Other Liabilities	1.60	5.12	5.03	1.12	0.30	0.14	0.05	0.05	0.09	0.10
Total Liabilities	5.43	10	11	12	12	16	13	14	15	16
Fixed Assets	1.80	1.74	1.68	1.62	1.57	1.51	1.46	1.40	1.35	1.30
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	4.28	4.30	4.54	2.71	1.06	1.77	1.90
Other Assets	3.63	8.31	9.14	6.47	6.07	10	9.21	11	11	13
Total Assets	5.43	10	11	12	12	16	13	14	15	16

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-1.08	-0.74	-0.16	-0.15	-0.79	-4.87	4.68	-0.50	2.66	2.67
Cash from Investing Activity	0.13	-3.49	0.00	0.51	0.00	0.00	1.83	1.62	-0.60	-2.50
Cash from Financing Activity	1.96	3.30	0.00	0.00	0.00	4.25	-6.45	-1.20	-1.40	0.00
Net Cash Flow	1.01	-0.93	-0.16	0.36	-0.79	-0.61	0.06	-0.09	0.66	0.17

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
STANROS	68.80	27 Cr	—	0.68	0.00	-7.52	-7.39	-6.99
ACFL	—	27 Cr	13.22	0.26	0.00	1.96	2.72	1.94
BAZELINTER	69.00	27 Cr	23.55	0.43	0.00	2.04	3.80	1.11
INTECCAP	14.44	27 Cr	5.51	0.72	0.00	13.06	13.70	6.59
SMARTFIN	8.79	26 Cr	26.42	1.62	0.00	6.15	7.65	5.93
JINDCAP	35.88	26 Cr	32.62	2.23	0.00	6.80	9.83	3.45
INDIANVSH	6.66	25 Cr	—	0.00	0.00	24.53	1.00	-10.50

Overview

Detailed Summary

Smart Finsec Limited is a registered Non-Banking Finance Company (NBFC) in India, primarily engaged in lending small loans and investing in stocks, securities, and bonds.

The company underwent multiple name changes, beginning as Kevalin Securities Private Limited in 1994 and becoming Smart Finsec Limited in 2010.

Smart Finsec was registered as a NBFC with the Reserve Bank of India on May 19, 2014, marking its formal entry into the financial services sector.

Sector

Finance

Industry

NBFC-Others

Market Cap

26 Cr

Volatility

High Risk

P/E Ratio

26.4

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

1.6

52W High

17.58

52W Low

8.00

Sales CAGR

-90.55%

-64.02%

-24.47%

10Y

11.44%

Profit CAGR

-50.63%

-30.24%

28.09%

10Y

—

ROE

TTM

6.15%

11.70%

14.69%

10Y

11.76%

ROCE

TTM

7.65%

14.92%

15.84%

10Y

12.37%

Smart Finsec Ltd

Smart Finsec Ltd

SMARTFIN

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Overview

Sector

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Market Cap

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P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

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Technicals

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Price Chart Comparison

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Projection

Actions

Announcements

Documents

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Technicals

Forecasts

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Oscillators

Neutral

Overall

Bearish

Moving Averages

Bearish

Overall

Bearish

Documents

Projection

Shareholdings

Shareholding History

Market Transactions

Smart Finsec Ltd

SMARTFIN

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Peers

Price Chart Comparison

Overview

Sector

Industry

Market Cap

Volatility

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Industry P/E

PEG Ratio

P/B Ratio

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