Smart Finsec Ltd Stock Price Today (NSE: SMARTFIN)
Fundamental Score
Smart Finsec Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Smart Finsec Ltd share price today is ₹6.48, down 9.96% on NSE/BSE as of 30 March 2026. Smart Finsec Ltd (SMARTFIN) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹26.73 (Cr). The 52-week high for SMARTFIN share price is ₹17.58 and the 52-week low is ₹6.51. At a P/E ratio of 27.00x, SMARTFIN is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 7.75% and a debt-to-equity ratio of 0.03.
Smart Finsec Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Smart Finsec Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Smart Finsec Share Price: A ROCE Efficiency Analysis
The Non-Banking Financial Company (NBFC) sector is currently witnessing a shift towards specialized lending, with institutions increasingly focusing on niche markets and tailored financial products. This specialization demands efficient capital allocation. This financial analysis examines the efficiency of Smart Finsec, focusing on its Return on Capital Employed (ROCE). Currently, the Smart Finsec share price stands at ₹8.039999961853027, with a Price-to-Earnings (PE) ratio of 27.0 and a ROCE of 10.0%.
A key metric in evaluating financial performance, ROCE indicates how effectively a company generates profits from its capital investments. Smart Finsec's ROCE of 10.0% needs to be contextualized within the competitive landscape. While a higher ROCE generally indicates better capital efficiency, it is crucial to benchmark this against sector peers. For instance, comparing Smart Finsec Ltd with
Apollo Finvest regarding management quality through evaluating past strategic decisions and capital allocation choices is a critical component of a complete fundamental audit.The impact of ROCE on the company's economic moat deserves attention. A consistently high ROCE can contribute to a stronger moat, signaling competitive advantages and barriers to entry. A 10.0% ROCE, while positive, requires further investigation to determine if it is sustainable and representative of a genuine competitive edge. This includes assessing the sources of the company’s profits and analyzing potential threats to its market position.
Smart Finsec's PE ratio of 27.0 suggests that investors are anticipating future growth. However, this expectation needs to be substantiated by a robust and improving ROCE. The ability to maintain or improve the ROCE will be crucial in justifying the current valuation. Evaluating factors like operating efficiency, cost management, and the ability to generate revenue from existing capital will be key to understanding future performance. Peers like Bengal & Assam and Fedders Holding Ltd provide benchmarks for evaluating the efficiency of capital allocation within the broader financial sector.
This analysis is part of a broader, 80-parameter fundamental audit process meticulously verified by Sweta Mishra. This observation-based analysis focuses solely on presenting financial data and avoids making any buy or sell recommendations.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Smart Finsec Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SMARTFIN across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Excellent EPS Growth (28.04% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (28.04% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Conservative Debt Levels (D/E: 0.03)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Balanced Promoter Holding (74.99%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
5 factors identified
Below-Average Return on Equity (7.75%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Profit Decline Concern (-43.24%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Revenue Contraction (-43.84%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Limited Growth History (-24.47% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Smart Finsec Ltd Financial Statements
Comprehensive financial data for Smart Finsec Ltd including income statement, balance sheet and cash flow
About SMARTFIN (Smart Finsec Ltd)
Smart Finsec Ltd is a registered Non-Banking Financial Company (NBFC) committed to providing diverse financial solutions and fostering economic growth. As a player in the Indian fi...nancial landscape, Smart Finsec Ltd operates with a focus on strategic investments and tailored lending practices. The company's core activities include offering a range of loan products to meet varied financial needs, while also exploring opportunities in strategic sectors to generate value for its stakeholders. Smart Finsec Ltd navigates the complexities of the financial market with a commitment to ethical practices and compliance with regulatory guidelines, thereby ensuring stability and transparency in its operations. The company aims to be a reliable partner in financial empowerment. Smart Finsec Ltd distinguishes itself through its specialized approach to financial services, encompassing both traditional lending and investment strategies. Its business activities span multiple financial instruments, from conventional loans designed for individuals and businesses, to a focused approach on strategically investing in promising ventures. This multifaceted approach allows Smart Finsec Ltd to adapt to evolving market dynamics and offer solutions that cater to the unique requirements of its clientele. Beyond lending and investments, Smart Finsec Ltd also provides advisory services, assisting clients in navigating financial complexities and making informed decisions. The company aims to create opportunities and to contribute to a robust financial ecosystem. Smart Finsec Ltd is dedicated to upholding the highest standards of corporate governance and risk management in all its operations. The company's approach is to combine the traditional values of financial prudence with innovative solutions to provide efficient and reliable services. By adhering to stringent compliance measures and maintaining transparency, Smart Finsec Ltd strives to build lasting relationships with its clients and partners based on trust and mutual growth. The company also focuses on technological advancements to modernize its processes and enhance customer experience, with a focus on security and ethical integrity.
Company Details
Key Leadership
SMARTFIN Share Price: Frequently Asked Questions
What is the current share price of Smart Finsec Ltd (SMARTFIN)?
As of 30 Mar 2026, 12:07 pm IST, Smart Finsec Ltd share price is ₹6.48. The SMARTFIN stock has a market capitalisation of ₹26.73 (Cr) on NSE/BSE.
Is SMARTFIN share price Overvalued or Undervalued?
SMARTFIN share price is currently trading at a P/E ratio of 27.00x, compared to the industry average of 22.03x. Based on this relative valuation, the Smart Finsec Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of SMARTFIN share price?
The 52-week high of SMARTFIN share price is ₹17.58 and the 52-week low is ₹6.51. These values are updated daily from NSE/BSE price data.
What factors affect the Smart Finsec Ltd share price?
Key factors influencing SMARTFIN share price include quarterly earnings growth (Sales Growth: -43.84%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Smart Finsec Ltd a good stock for long-term investment?
Smart Finsec Ltd shows a 5-year Profit Growth of 28.04% and an ROE of 7.75%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.03 before investing in SMARTFIN shares.
How does Smart Finsec Ltd compare with its industry peers?
Smart Finsec Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare SMARTFIN share price P/E of 27.00x and ROE of 7.75% against the industry averages to determine competitive standing.
What is the P/E ratio of SMARTFIN and what does it mean?
SMARTFIN share price has a P/E ratio of 27.00x compared to the industry average of 22.03x. Investors pay ₹27 for every ₹1 of annual earnings.
How is SMARTFIN performing according to Bull Run's analysis?
SMARTFIN has a Bull Run fundamental score of 34.9/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does SMARTFIN belong to?
SMARTFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Smart Finsec Ltd share price.
What is Return on Equity (ROE) and why is it important for SMARTFIN?
SMARTFIN has an ROE of 7.75%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Smart Finsec Ltd generates profits from shareholders capital.
How is SMARTFIN debt-to-equity ratio and what does it indicate?
SMARTFIN has a debt-to-equity ratio of 0.03, which indicates conservative financing with low financial risk.
What is SMARTFIN dividend yield and is it a good dividend stock?
SMARTFIN offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Smart Finsec Ltd shares.
How has SMARTFIN share price grown over the past 5 years?
SMARTFIN has achieved 5-year growth rates of: Sales Growth -24.47%, Profit Growth 28.04%, and EPS Growth 28.04%.
What is the promoter holding in SMARTFIN and why does it matter?
Promoters hold 74.99% of SMARTFIN shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Smart Finsec Ltd.
What is SMARTFIN market capitalisation category?
SMARTFIN has a market capitalisation of ₹27 crores, placing it in the Small-cap category.
How volatile is SMARTFIN stock?
SMARTFIN has a beta of N/A. A beta > 1 suggests the Smart Finsec Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SMARTFIN operating profit margin trend?
SMARTFIN has a 5-year average Operating Profit Margin (OPM) of 8.98%, indicating the company's operational efficiency.
How is SMARTFIN quarterly performance?
Recent quarterly performance shows Smart Finsec Ltd YoY Sales Growth of -43.84% and YoY Profit Growth of -43.24%.
What is the institutional holding pattern in SMARTFIN?
SMARTFIN has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the Smart Finsec Ltd stock.