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Smart Finsec Limited

Financial Services › Finance
₹8.30
at close · 28 Oct 2026
▼ 0.10 (-1.19%)

Latest filings

  1. Smart Finsec takes 15.60 Cr loan from Bajaj Housing Finance for expansion · Credit & Debt
  2. Smart Finsec board approves Rs 15.60 Cr loan from Bajaj Housing Finance · Credit & Debt
  3. Revised RTA certificate under SEBI Reg 74(5) for Q2 FY27 · Compliance
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Operates as a small non-banking financial company with two segments. Smart Finsec Limited's NBFC Activity segment contributes 84.9% of segment revenue at Rs. 1.67 crore for FY26 and includes lending and investment-related income such as F&O/Jobbing income. The Real Estate segment contributes 15.1% (Rs. 0.30 crore) and earns rental income, which remained around Rs. 22 lakhs through the first nine months of FY26. Total income for FY26 was Rs. 1.97 crore, with net profit of Rs. 0.98 crore and EPS of Rs. 0.33, and total assets of Rs. 16.81 crore. Employee cost is the largest operating expense at 21.6% of revenue. The company has extended a corporate guarantee of Rs. 30 crore to Axis Bank for a credit facility availed by its group company Smart Equity Brokers Private Limited, a stock broking firm. Operating cash flow turned negative in FY26 as loans on the books increased by Rs. 138.64 lakh during the year.

Revenue mix · reported segments
NBFC Activity84.9%
Real Estate15.1%
Operating scale
F&O/Jobbing income
Rs. 67.74 lakhFY26
Real Estate rental income
~Rs. 22 lakh9M FY26
Increase in loans and other assets
Rs. 138.64 lakhFY26
Corporate guarantee for group company
Rs. 30 croreas of Jan 2026
Cash and cash equivalents
Rs. 26.24 lakhFY26
Total assets
Rs. 16.81 croreFY26
Who pays it
Borrowers (e.g. Nagariya Steel) and trading/investment counterparties for NBFC; tenants for the Real Estate segment
Biggest cost
Employee cost at 21.6% of revenue
Kind of business
Small, capital-light NBFC with a secondary rental real estate book and a group-level corporate guarantee exposure
Where it sits
BSE-listed NBFC with paid-up equity capital of Rs. 3 crore and net worth of about Rs. 15.63 crore, qualifying as a small listed entity exempt from several SEBI LODR disclosure requirements
Market Cap
₹25 Cr
P / E (TTM)
25.1×
EV / EBITDA
—
Div Yield
—
Growth
-39.0%▼
Revenue 5y CAGR
PAT +16.9% · EBITDA +18.0%
Quality
—·
ROCE (FY26)
ROE 11.6% (5y median) · margin 69.1%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
0.1×▼
Margin +47.7 pts
₹23 Cr → ₹2 Cr
Moves on a normal day
1.71%·
Median daily move
Last 267 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#125/200
P/B#154/253
ROE#96/257
EBITDA margin#94/249
Revenue growth#111/231
Profit growth#139/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Strengths
Profit compounding 17% a year over 5 years
Concerns
Revenue shrinking over 5 years (−39% a year)
Erratic profits — up in only 2 of the last 5 years
EPS grew slower than profit — the share count rose (bonus or dilution)

Charts

How has the market priced it — with filings on the timeline?

Price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from Smart Finsec Limited's filed financials and exchange disclosures

What does Smart Finsec Limited do?

Smart Finsec Limited is a Finance company listed on BSE.

Is Smart Finsec Limited profitable?

Yes. Over the trailing twelve months Smart Finsec Limited reported a net profit of ₹0.98 Cr on revenue of ₹1.97 Cr.

Does Smart Finsec Limited pay a dividend?

Not in the latest reported year — Smart Finsec Limited's dividend payout for FY26 was nil.

Is Smart Finsec Limited expensive compared with its peers?

On trailing P/E, Smart Finsec Limited ranks 125 of 200 in Non Banking Financial Company (NBFC) — cheaper than 38% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.

How much does the Smart Finsec Limited share price move in a day?

On a typical session Smart Finsec Limited moves 1.71% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.

Where can I track Smart Finsec Limited's announcements?

Every NSE and BSE filing by Smart Finsec Limited appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.