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 ₹8.37, up +3.08% on NSE/BSE as of 7 August 2026. Smart Finsec Ltd (SMARTFIN) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹24.33 (Cr). The 52-week high for SMARTFIN share price is ₹13.90 and the 52-week low is ₹6.30. At a P/E ratio of 24.83x, SMARTFIN is currently trading above its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 6.06% and a debt-to-equity ratio of 0.00.
Smart Finsec Ltd Share Price Chart — NSE/BSE Historical Performance
Smart Finsec Ltd share price chart: -7.22% return over the past month. 52-week high ₹13.90, 52-week low ₹6.30.
Smart Finsec Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹8.12 | ₹8.40 | ₹7.96 | ₹8.37 | 15.07K (Cr) | |
| ₹8.29 | ₹8.40 | ₹7.81 | ₹8.12 | 7.30K (Cr) | |
| ₹7.67 | ₹8.29 | ₹7.67 | ₹8.20 | 37.86K (Cr) | |
| ₹8.01 | ₹8.10 | ₹7.65 | ₹7.98 | 4.44K (Cr) | |
| ₹7.71 | ₹8.20 | ₹7.62 | ₹7.85 | 4.50K (Cr) | |
| ₹7.81 | ₹8.12 | ₹7.67 | ₹7.71 | 7.90K (Cr) | |
| ₹8.19 | ₹8.19 | ₹7.57 | ₹8.04 | 4.71K (Cr) | |
| ₹8.20 | ₹8.20 | ₹7.56 | ₹7.71 | 24.14K (Cr) | |
| ₹7.81 | ₹8.40 | ₹7.33 | ₹7.63 | 21.43K (Cr) | |
| ₹8.04 | ₹8.28 | ₹7.60 | ₹7.96 | 13.91K (Cr) |
Smart Finsec Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹7.71 | ₹8.40 | ₹7.62 | ₹8.37 | +8.56% | |
| ₹8.73 | ₹8.73 | ₹7.33 | ₹7.71 | -11.68% | |
| ₹8.52 | ₹9.10 | ₹7.31 | ₹8.53 | +0.12% | |
| ₹9.02 | ₹9.38 | ₹7.66 | ₹8.67 | -3.88% | |
| ₹6.71 | ₹9.43 | ₹6.66 | ₹9.02 | +34.43% | |
| ₹7.36 | ₹8.53 | ₹6.30 | ₹6.48 | -11.96% | |
| ₹8.80 | ₹8.80 | ₹7.22 | ₹7.78 | -11.59% | |
| ₹8.40 | ₹10.30 | ₹7.26 | ₹8.11 | -3.45% | |
| ₹8.76 | ₹9.47 | ₹7.66 | ₹8.23 | -6.05% | |
| ₹10.22 | ₹10.48 | ₹8.52 | ₹9.02 | -11.74% | |
| ₹11.35 | ₹11.95 | ₹8.90 | ₹10.22 | -9.96% | |
| ₹12.74 | ₹13.90 | ₹11.11 | ₹11.29 | -11.38% |
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Smart Finsec Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
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
6 factors identified
Excellent EPS Growth (16.84% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (16.84% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (68.00x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
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 (6.06%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (8.41%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Profit Decline Concern (-15.00%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Limited Growth History (-38.95% 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 vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Smart Finsec Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Smart Finsec LtdSmart Finsec Lt...Selected✓ SMARTFIN • 539494 | 42.2/100 | ₹8.37₹8 | ₹24.33₹24.33 | 24.83Average 24.8 Average | 6.06%Poor 6.06% Poor | 8.41%Poor 8.41% Poor | 0.00Excellent 0.0 Excellent | 16.84%Excellent 16.84% Excellent | -38.95%Poor -38.95% Poor | 0.00% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
Smart Finsec Ltd PE Ratio History
Historical price-to-earnings ratio for SMARTFIN — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2024 | ₹0.79 | ₹14.88 | 18.8x |
| FY 2023 | ₹0.47 | ₹17.58 | 37.4x |
| FY 2022 | ₹1.15 | ₹8.05 | 7x |
| FY 2021 | ₹0.15 | ₹9.21 | 61.4x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Smart Finsec Ltd Quarterly Performance
Latest quarterly metrics for SMARTFIN — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
13.64%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
-15.00%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
-38.95%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
16.84%
Compounded annual net profit growth over 5 years
Smart Finsec Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for SMARTFIN — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Smart Finsec Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Smart Finsec Ltd (SMARTFIN) — sourced from NSE/BSE filings.
Loading Financial Statements...
Fetching financial data for Smart Finsec Ltd
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?
Smart Finsec Ltd (SMARTFIN) trades at ₹8.37 on NSE and BSE. Market cap ₹24.33 (Cr). Educational data only.
What is the P/E ratio of Smart Finsec Ltd?
Smart Finsec Ltd has a P/E of 24.83x vs industry average 22.18x.
What is the Bull Run score for Smart Finsec Ltd?
Smart Finsec Ltd has a Bull Run score of 42.2/100 based on 25+ financial parameters.
Does Smart Finsec Ltd pay dividends?
Smart Finsec Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Smart Finsec Ltd?
Smart Finsec Ltd has ROE of 6.06%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Smart Finsec Ltd?
Smart Finsec Ltd has debt-to-equity of 0.00.
Is Smart Finsec Ltd a good investment?
Bull Run gives Smart Finsec Ltd a score of 42.2/100. This is not investment advice — consult a SEBI-registered advisor.