Smart Finsec Limited (BOM:539494)

India · Delayed Price · Currency is INR

8.32

+0.22 (2.72%)

At close: Aug 21, 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	Jun '26 Jun 30, 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	20.78	19.44	23.68	250.7	307.52	508.16
Revenue Growth	-9.08%	-17.89%	-90.56%	-18.48%	-39.48%	119.75%
Operating Income	15.3	13.35	15.15	30.88	19.19	45.65
Net Income	11.23	9.77	11.74	23.65	14.13	34.58
Earnings Per Share	0.38	0.33	0.39	0.79	0.47	1.15
EPS Growth	0.55%	-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	Jun '26 Jun 30, 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	18.6	16.7	20.78	248.23	305.05	505.72
Total	21.57	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	Jun '26 Jun 30, 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	-15.53%	-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	Jun '26 Jun 30, 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	26.7	26.57	-5.05	46.75
Capital Expenditures	-	-	-	-0.07	-	-
Free Cash Flow	-	-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	Jun '26 Jun 30, 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	73.65%	68.66%	63.98%	12.31%	6.24%	8.98%
Pretax Margin	73.65%	68.66%	63.39%	12.32%	6.24%	8.95%
Profit Margin	54.06%	50.24%	49.58%	9.44%	4.59%	6.81%
FCF Margin	-	-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 23, 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	21.79	19.90	29.75	17.45	12.77	6.35
P/FCF Ratio	-	-	13.08	15.58	-	4.70
PS Ratio	12.01	10.00	14.75	1.65	0.59	0.43