Smart Finsec Ltd - Stock Valuation and Financial Performance

BSE: 539494 | NSE: | Finance - NBFC | Small Cap

Smart Finsec Share Price

13.76 0.65 4.96%
as on 28-Mar'24 16:01

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Smart Finsec stock performance -

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P/E Ratio (SA):
21.64
Market Cap:
41.3 Cr.
52-wk low:
5.3
52-wk high:
22.4

Is Smart Finsec Ltd an attractive stock to invest in?

1. Is Smart Finsec Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Smart Finsec Ltd is a average quality company.

2. Is Smart Finsec Ltd undervalued or overvalued?

The key valuation ratios of Smart Finsec Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Smart Finsec Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Smart Finsec Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Smart Finsec:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Smart Finsec Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)0.20.70.96.315.54.89.63252.830.81
YoY Gr. Rt. %-311.1%20.3%606.7%147.1%-69.2%101.7%231.5%65.3%-41.7%-
Adj EPS (₹ ) 0.10-00.40.30.20.10.21.20.50.6
YoY Gr. Rt. %--57.1%-200%NA-21.6%-34.5%-42.1%36.4%666.7%-59.1%-
BVPS (₹ )1.31.31.31.71.92.22.32.43.64.14.7
YoY Gr. Rt. %-2.4%-1.5%28.9%17%11.4%6.1%5.7%48.6%13.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)5.82.1-1.714.58.352.83.223.210.50

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income77.1%14.7%47.3%-41.7%
Adj EPS23.6%10.1%62.3%-59.1%
BVPS13.8%16%21.1%13.1%
Share Price - 20.5% 39.2% 132%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)121.711.1-8.817.75.612.23.51.46.64.6376.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)62.1-225.316.19.55.16.438.512.413.7

Recent Performance Summary

Total Income has increased 47.25 CAGR in last 3 years

Net Profit has increased 62.27 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 14.70%

Latest Financials - Smart Finsec Ltd.

Standalone Consolidated
TTM EPS (₹) 0.6 -
TTM Sales (₹ Cr.) 0.5 -
BVPS (₹.) 4.7 -
Reserves (₹ Cr.) 11 -
P/BV 2.95 -
PE 21.64 -
From the Market
52 Week Low / High (₹) 5.30 / 22.39
All Time Low / High (₹) 1.05 / 22.39
Market Cap (₹ Cr.) 41.3
Equity (₹ Cr.) 3
Face Value (₹) 1
Industry PE 31

Management X-Ray of Smart Finsec:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Smart Finsec

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income0.330.891.046.6215.544.859.6431.9652.8230.78
Interest Income0.180.740.896.2915.544.789.6431.9652.8230.78
Other Income 0.150.150.150.3300.070000
Expenditure 0.100.811.235.1914.554.129.2531.5248.2728.86
Interest Expense 0000000.120.1000
Operating Expenses 0.090.801.245.1914.553.939.1322.6846.2128.83
Provisions 0.010.010000.190.018.752.060.03
Exceptional Items 0000000000
Profit Before Tax 0.230.08-0.191.430.990.730.390.444.551.92
Taxes 0.010-0.110.320.120.150.0501.090.51
Profit After Tax 0.220.08-0.081.110.860.580.340.453.461.41
Adjusted EPS (₹)0.10.00.00.40.30.20.10.21.20.5
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital3.823.905.339.7410.606.456.837.2410.7312.14
Share Capital 334.507.807.8033333
Reserves 0.820.900.831.942.803.453.834.247.739.14
Minority Interest0000000000
Long Term Borrowings-0.03-0.03-0.15-0.04-0.024.794.789.032.581.37
Current Liabilities 0.120.110.100.320.231.120.300.140.050.05
Trade Payables0000000.160.130.040.02
Short term borrowings0000000000
Other Liabilities000000-0.16-0.13-0.04-0.02
Total Liabilities 3.923.985.2810.0110.8112.3611.9116.4113.3513.57

Assets

Non Current Asset 0.891.881.831.961.871.651.651.571.521.40
Loan Asset 0000000000
Other Non Current Asset 0.891.881.831.961.871.651.651.571.521.40
Current Asset 3.032.103.458.058.9410.7010.2614.8411.8412.16
Current Investment2.251.461.465.335.814.284.304.542.711.06
Other Current Asset0.780.641.982.723.136.425.9710.309.1311.10
Total Assets 3.923.985.2810.0110.8112.3611.9116.4113.3513.57

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 0.12-0.07-1.08-0.74-0.16-0.15-0.79-4.874.68-0.50
Cash Flow From Investing Activity 0.04-0.070.13-3.4900.51001.831.62
Cash Flow From Financing Activity -0.020.021.963.300004.25-6.45-1.20
Net Cash Flow 0.14-0.121.01-0.93-0.160.36-0.79-0.610.06-0.09
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)1004321110
DPS (₹)0000000000
BVPS (₹)131313161922232444

Performance Ratios

ROA (%)5.82.1-1.714.58.35.02.83.223.210.5
ROE (%)6.02.1-2.025.316.19.55.16.438.512.4
ROCE (%)6.32.0-4.219.09.76.74.43.930.814.3

Valuation Parameters

Price/Book(x)0.00.02.40.02.72.53.12.12.11.5

Smart Finsec Ltd Stock News

Smart Finsec Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Smart Finsec on 28-Mar-2024 16:01 is ₹13.76.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 28-Mar-2024 16:01 the market cap of Smart Finsec stood at ₹41.28.
The latest P/E ratio of Smart Finsec as of 28-Mar-2024 16:01 is 21.64.
The latest P/B ratio of Smart Finsec as of 28-Mar-2024 16:01 is 2.95.
The 52-week high of Smart Finsec is ₹22.39 and the 52-week low is ₹5.30.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Smart Finsec is ₹0.51 ( Cr.) .

About Smart Finsec Ltd

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