Smart Finsec Limited (BOM:539494)

India · Delayed Price · Currency is INR

7.71

-0.10 (-1.28%)

At close: Jul 31, 2026

Smart Finsec Financials Overview

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Revenue	19.44	19.44	23.68	250.7	307.52	508.16
Revenue Growth	-17.89%	-17.89%	-90.56%	-18.48%	-39.48%	119.75%
Operating Income	13.35	13.35	15.15	30.88	19.19	45.65
Net Income	9.77	9.77	11.74	23.65	14.13	34.58
Earnings Per Share	0.33	0.33	0.39	0.79	0.47	1.15
EPS Growth	-15.38%	-15.38%	-50.53%	67.75%	-59.13%	671.01%

Revenue by Segment

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Real Estate	2.97	2.97	2.9	2.48	2.5	2.48
NBFC Activity	16.7	16.7	20.78	248.23	305.05	505.72
Total	19.67	19.67	23.68	250.71	307.55	508.2

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Investments	28.92	28.92	53.23	25.18	11.58	108.78
Total Debt	-	-	-	-	14	26
Net Cash (Debt)	28.92	28.92	53.23	25.18	-2.43	82.78
Net Cash Growth	-45.67%	-45.67%	111.40%	-	-	-
Net Cash Per Share	0.98	0.98	1.77	0.84	-0.08	2.76

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Cash Flow	-5.41	-5.41	26.7	26.57	-5.05	46.75
Capital Expenditures	-	-	-	-0.07	-	-
Free Cash Flow	-5.41	-5.41	26.7	26.5	-5.05	46.75
Free Cash Flow Growth	-	-	0.76%	-	-	-

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Margin	68.66%	68.66%	63.98%	12.31%	6.24%	8.98%
Pretax Margin	68.66%	68.66%	63.39%	12.32%	6.24%	8.95%
Profit Margin	50.24%	50.24%	49.58%	9.44%	4.59%	6.81%
FCF Margin	-27.82%	-27.82%	112.78%	10.57%	-1.64%	9.20%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 2, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
PE Ratio	23.36	19.90	29.75	17.45	12.77	6.35
P/FCF Ratio	-	-	13.08	15.58	-	4.70
PS Ratio	11.90	10.00	14.75	1.65	0.59	0.43