1. MARKETS
  2. SECTOR : BANKING AND FINANCE
  3. INDUSTRY : FINANCE (INCLUDING NBFCS)
  4. SMART FINSEC LTD.
Smart Finsec Ltd.
BSE: 539494
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7.80-0.01(-0.13%)
29.09% Fall from 52W High
11,432
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BSE 22 Oct, 2026 3:31 PM (IST)

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Smart Finsec quarterly and annual financials: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Smart Finsec quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Smart Finsec Jun-2026 Quarterly Revenue is Rs 1 Cr which is growth of 25.9% YoY.

  • POSITIVE

    Quarterly Net Profit Smart Finsec Jun-2026 Quarterly Net Profit is Rs 0 Cr which is growth of 51.9% YoY.

Smart Finsec Ltd., Quarterly, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
⌄
0.70.50.50.40.60.40.60.70.60.811.37.95.1
Operating Exp.
0.10.20.10.10.20.20.20.20.20.210.85.85.3
Operating Profit
0.60.30.40.30.40.30.40.50.40.60.42-0.2
Operating Profit Margin %
80.69%65.86%76.41%66.75%66.91%59.66%71.08%67.75%64.86%79.72%3.72%26.00%-3.04%
Depr.
-0000000000
Interest
0000
Profit Before Tax
0.60.30.40.30.40.30.40.50.40.70.52.1-0.1
Tax
0.10.20.10.10.100.10.10.10.10.10.5
Net Profit
0.40.20.30.20.30.20.30.40.30.50.41.6-0.1
EPS Adj. latest
0.10.10.10.10.10.10.10.10.10.20.10.5-0
Net profit TTM
1.11111.21.21.51.62.82.41.92.41.1
Basic EPS TTM
0.40.30.30.30.40.40.50.50.90.80.60.80.4
Results PDF
*All financials are in INR Cr and price data in INR
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Smart Finsec competitor comparison and performance snapshot within industry

Smart Finsec revenue mix: sales, profit, and capital employed breakups by segment

Smart Finsec annual results: revenue, profit, P&L, and margins as of Mar 2026 – 11 year history

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  • NEGATIVE

    Annual Revenue Smart Finsec Mar-2026 Annual Revenue is Rs 2 Cr which is growth of -16.9% YoY.

  • NEGATIVE

    Annual Net Profit Smart Finsec Mar-2026 Annual Net Profit is Rs 1 Cr which is growth of -16.8% YoY.

Smart Finsec Ltd., Annual, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMMar '26Mar '25Mar '24Mar '23Mar '22Mar '21Mar '20Mar '19Mar '18Mar '17Mar '16
⌄
-59.8%
-38.7%
2.122.425.130.850.823.29.64.715.51.60.3
Operating Exp. Ann.
-72.5%
-51.6%
0.60.60.821.928.846.222.69.13.914.50.10.5
Operating Profit Ann.
-11.2%
18.5%
1.51.41.63.124.60.60.60.811.2-0.3
OPM Ann. %
119.6%
93.2%
 68.91%66.31%12.54%6.51%9.07%2.56%5.77%16.89%6.72%71.19%-89.79%
⌄
-72.5%
-51.7%
 0.60.92228.846.322.89.3414.60.20.5
EBITDA Ann.
-11.2%
18.5%
 1.41.63.124.60.60.60.811.5-0.1
EBITDA Ann. margin %
120.6%
93.3%
 69.06%66.31%12.54%6.43%9.07%2.56%5.77%16.89%6.72%91.46%-42.17%
Interest Ann.
-
-
0000.10.1
Depr.
0%
0%
-00.10.10.10.10.10.10.10.10.10.1
PBT Ann.
-11.9%
26.6%
1.51.31.53.11.94.60.40.40.711.4-0.2
Tax Ann.
-7.2%
-
0.40.40.30.70.51.100.20.10.3-0.1
⌄
-10.6%
14.9%
 11.22.41.43.50.50.30.60.91.1-0.1
Net Profit Ann.
-10.6%
14.9%
1.111.22.41.43.50.50.30.60.91.1-0.1
NPM Ann. %
121.4%
91.7%
 49.72%49.57%9.43%4.58%6.80%1.92%3.53%12.42%5.55%85.54%-47.60%
EPS Adj. latest Ann.
-15.7%
8.4%
 0.30.40.80.51.20.20.10.20.30.4-0
Result Notes
        
Notes
Notes
Notes
 
Annual Reports
 
*All financials are in INR Cr and price data in INR
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Total Rev. Ann.
1Y CHG
-16.7%
2Y CAGR
-71.8%
3Y CAGR
-59.8%
5Y CAGR
-38.7%
7Y CAGR
-11.5%
10Y CAGR
20.9%
Total Revenue Annual is falling faster than historical averages.
Net Profit Ann.
1Y CHG
-16.7%
2Y CAGR
-35.5%
3Y CAGR
-10.6%
5Y CAGR
14.9%
7Y CAGR
7.6%
Net Profit Annual is falling faster than historical averages.
Operating Exp. Ann.
1Y CHG
-25%
2Y CAGR
-83.4%
3Y CAGR
-72.5%
5Y CAGR
-51.6%
7Y CAGR
-23.5%
10Y CAGR
1.8%
Operating Expenses Annual Cr is falling faster than historical averages.

Smart Finsec balance sheet as of Mar 2026: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Smart Finsec Mar-2026 Total Shareholders Fund is Rs 17 Cr which is growth of 6.3% YoY.

  • POSITIVE

    Total Assets Smart Finsec Mar-2026 Total Assets is Rs 17 Cr which is growth of 6.5% YoY.

Smart Finsec Ltd., Balance Sheet, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphCAGR 3 YrsCAGR 5 YrsMar '26Mar '25Mar '24Mar '23Mar '22Mar '21Mar '20Mar '19Mar '18Mar '17Mar '16
⌄
11.3%
18%
16.715.714.512.110.77.311.611.310.69.76.8
Minority Interest Liability Ann.
-
-
-----------
⌄
-
-
0.1000000
⌄
-59.5%
-59.5%
0.10.10.11.52.69.20.31.10.20.30.1
Total Capital Plus Liabilities Ann.
7.3%
0.4%
16.815.814.613.613.416.511.912.410.810.15.4
⌄
-2.4%
-2.8%
1.31.31.41.41.51.51.61.61.71.71.8
⌄
0%
-2.6%
1.41.41.41.41.51.61.71.71.922
⌄
8.1%
0.8%
15.414.413.212.211.914.810.310.78.98.13.5
Total Assets Ann.
7.3%
0.4%
16.815.814.613.613.416.511.912.410.810.15.4
Contingent Liabilities plus Commitments Ann.
-
-
303030
Bonus Equity Share Capital Ann.
-
-
Non Current Investments Unquoted Book Value Ann.
-
-
Current Investments Unquoted Book Value Ann.
22.1%
-15%
21.91.81.12.74.54.34.35.85.31.5
*All financials are in INR Cr and price data in INR
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Total Assets Ann.
1Y CHG
6.3%
2Y CAGR
7.3%
3Y CAGR
7.3%
5Y CAGR
0.4%
7Y CAGR
4.4%
10Y CAGR
12%
Total Assets Annual growth is stable compared to historical averages.
Total Current Liabilities Ann.
3Y CAGR
-59.5%
5Y CAGR
-59.5%
7Y CAGR
-29%
Total Current Liabilities Annual Cr is falling slower than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
6.4%
2Y CAGR
7.3%
3Y CAGR
11.3%
5Y CAGR
18%
7Y CAGR
5.7%
10Y CAGR
9.4%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

Smart Finsec ROE, ROCE, book value, and debt-to-equity ratio as of Mar 2026 – 11 year history

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  • POSITIVE

    Book Value Per Share Smart Finsec Mar-2026 Book Value Per Share is 6 Rs which is growth of 6.3% YoY.

  • POSITIVE

    ROE Smart Finsec Mar-2026 ROE is 6% which is growth of 1.6% YoY.

Smart Finsec Ltd., Ratios, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphCAGR 3 YrsCAGR 5 YrsMar '26Mar '25Mar '24Mar '23Mar '22Mar '21Mar '20Mar '19Mar '18Mar '17Mar '16
BVSH Ann.
11%
-25.4%
5.65.24.84.13.624.322.821.519.316.512.8
RoA Ann. %
-17.6%
16.4%
5.80%7.43%16.19%10.38%25.85%2.71%2.85%4.70%7.96%11.04%-1.44%
ROE Ann. %
-20.5%
-1%
5.85%7.48%16.30%11.63%32.22%6.15%4.98%9.01%14.87%22.49%-2.05%
ROCE Ann. %
-20%
1.8%
8.11%9.65%21.26%15.82%42.38%7.41%4.30%6.50%9.30%14.67%-3.59%
⌄
           
⌄
           
⌄
           
Total Debt to Total Equity Ann.
   0.10.21.2     
*All financials are in INR Cr and price data in INR
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ROE Ann. %
1Y CHG
-21.8%
2Y CAGR
-40.1%
3Y CAGR
-20.5%
5Y CAGR
-1%
7Y CAGR
-6%
ROE Annual % is falling faster than historical averages.
RoA Ann. %
1Y CHG
-21.9%
2Y CAGR
-40.1%
3Y CAGR
-17.6%
5Y CAGR
16.4%
7Y CAGR
3%
RoA Annual % is falling faster than historical averages.
Current Ratio Ann.
1Y CHG
30.2%
2Y CAGR
15.1%
3Y CAGR
195.4%
5Y CAGR
166.9%
7Y CAGR
55.8%
10Y CAGR
20.5%
Current Ratio Annual growth is lower than historical averages.

Smart Finsec cash flow: net, operating, investing, and financing flows as of Mar 2026 – 11 year history

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  • NEGATIVE

    Cash From Operating Activity Smart Finsec Mar-2026 Cash From Operating Activity is Rs -1 Cr which is growth of -120.3% YoY.

  • NEGATIVE

    Net Cash Flow Smart Finsec Mar-2026 Net Cash Flow is Rs -1 Cr which is growth of -492.2% YoY.

Smart Finsec Ltd., Cash Flow, standalone, All financials are in INR Cr and price data in INR
IndicatorGraphCAGR 3 YrsCAGR 5 YrsMar '26Mar '25Mar '24Mar '23Mar '22Mar '21Mar '20Mar '19Mar '18Mar '17Mar '16
⌄
-
-
-0.52.72.7-0.54.7-4.9-0.8-0.2-0.2-0.7-1.1
Cash from Investing Act. Ann.
-
-
-0.1-2.5-0.61.61.80.5-3.50.1
Cash from Financing Act. Ann.
-
-
-1.4-1.2-6.54.33.32
⌄
-
-
-0.70.20.7-0.10.1-0.6-0.80.4-0.2-0.91
*All financials are in INR Cr and price data in INR
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