SMC Credits Ltd

SMC Credits Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

SMC Credits Ltd

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smccredits.com BSE: 532138
About

SMC Credits is engaged in the business of Non-banking financial activities, duly registered with the Reserve Bank of India. The Company is not accepting public deposits.

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Website BSE
  • Market Cap ₹ Cr.
  • Current Price ₹
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  • Stock P/E
  • Book Value ₹
  • Dividend Yield %
  • ROCE 1.44 %
  • ROE 1.09 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Company has delivered good profit growth of 31.4% CAGR over last 5 years

Cons

  • Company has a low return on equity of 0.62% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
0.48 0.59 0.75 2.90 0.28 0.65 3.35 3.79 0.47 2.02 8.00 1.99 3.30
0.08 0.25 0.13 0.45 0.25 0.15 0.33 0.36 0.40 0.32 0.99 0.30 0.55
Operating Profit 0.40 0.34 0.62 2.45 0.03 0.50 3.02 3.43 0.07 1.70 7.01 1.69 2.75
OPM % 83.33% 57.63% 82.67% 84.48% 10.71% 76.92% 90.15% 90.50% 14.89% 84.16% 87.62% 84.92% 83.33%
0.38 0.25 0.25 0.27 9.20 0.20 0.20 0.20 0.20 0.20 0.21 2.10 1.19
Interest 0.41 0.42 0.36 0.39 0.39 0.39 0.38 0.35 0.35 0.34 0.38 0.26 0.25
Depreciation 0.01 0.01 0.01 0.01 0.01 0.01 0.00 0.01 0.02 0.01 0.00 0.01 0.02
Profit before tax 0.36 0.16 0.50 2.32 8.83 0.30 2.84 3.27 -0.10 1.55 6.84 3.52 3.67
Tax % 52.78% 12.50% 46.00% 19.83% 9.97% 13.33% 26.76% 21.41% 1,740.00% 20.65% 24.56% 22.44% 7.36%
0.17 0.13 0.27 1.86 7.95 0.27 2.07 2.57 -1.84 1.24 5.16 2.73 3.39
EPS in Rs 0.07 0.05 0.11 0.74 3.17 0.11 0.83 1.03 -0.73 0.49 2.06 1.09 1.35
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
1 4 4 2 2 3 6 4 4 5 8 15
0 0 0 0 0 1 1 1 0 1 1 2
Operating Profit 1 4 4 2 2 3 5 4 4 3 7 13
OPM % 81% 93% 93% 81% 86% 80% 85% 85% 92% 76% 85% 86%
1 1 1 1 1 1 1 1 1 10 1 4
Interest 0 0 0 0 0 1 2 1 2 2 1 1
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1 5 5 3 3 2 3 3 3 12 6 16
Tax % 12% 4% 5% 13% 10% 4% 6% -50% 22% 13% 51% 20%
1 5 5 2 3 2 3 4 3 10 3 13
EPS in Rs 0.52 1.81 1.88 0.90 1.05 0.94 1.27 1.79 1.03 4.08 1.23 5.00
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 14%
5 Years: 23%
3 Years: 53%
TTM: 85%
Compounded Profit Growth
10 Years: 11%
5 Years: 31%
3 Years: 69%
TTM: 308%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: 1%
5 Years: 1%
3 Years: 1%
Last Year: 1%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 10 10 10 10 10 10 10 10 10 25 25 25
Reserves 12 17 21 24 26 359 248 481 490 947 1,037 1,217
0 0 0 0 0 22 26 21 22 21 18 14
0 0 0 0 0 0 0 0 0 1 1 5
Total Liabilities 22 27 31 34 36 392 283 512 523 993 1,081 1,261
2 2 2 2 2 2 2 2 2 2 2 2
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 17 21 21 24 23 354 238 468 474 939 1,043 1,232
3 4 8 8 11 36 43 42 46 53 36 28
Total Assets 22 27 31 34 36 392 283 512 523 993 1,081 1,261

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
5 3 1 0 -1 4 -4 -0 2 9 23
-5 -4 -1 1 -1 1 -2 1 -9 -17 -25
0 0 0 0 0 0 0 0 15 0 0
Net Cash Flow 0 -0 0 1 -1 5 -5 1 8 -8 -1

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 42 13 11 35 40 1 2 12 40 1 3 4
Inventory Days
Days Payable
Cash Conversion Cycle 42 13 11 35 40 1 2 12 40 1 3 4
Working Capital Days 1,006 324 615 1,189 1,480 118 9 20 34 -19 113 -104
ROCE % 20% 17% 8% 8% 2% 2% 1% 1% 1% 1% 1%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
13.98% 13.98% 13.98% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99%
86.01% 86.01% 86.01% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02%
No. of Shareholders 3,3483,3483,3483,3503,3503,3503,3503,3503,3503,3503,3503,350

Documents

Announcements

Annual reports