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.
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  • Dividend Yield %
  • ROCE 3.34 %
  • ROE 2.72 %
  • 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 48.6% CAGR over last 5 years

Cons

  • Company has a low return on equity of 1.43% over last 3 years.
  • Earnings include an other income of Rs.17.0 Cr.

* 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 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
0.28 0.65 3.35 3.79 0.47 2.02 8.00 1.99 3.30 10.47 8.80 4.22 1.95
Interest 0.39 0.39 0.38 0.35 0.35 0.34 0.38 0.26 0.25 0.20 0.09 0.10 0.13
0.25 0.15 0.33 0.36 0.40 0.32 0.99 0.30 0.55 0.25 0.36 0.53 0.84
Financing Profit -0.36 0.11 2.64 3.08 -0.28 1.36 6.63 1.43 2.50 10.02 8.35 3.59 0.98
Financing Margin % -128.57% 16.92% 78.81% 81.27% -59.57% 67.33% 82.88% 71.86% 75.76% 95.70% 94.89% 85.07% 50.26%
9.20 0.20 0.20 0.20 0.20 0.20 0.21 2.10 1.19 15.67 0.42 0.89 0.04
Depreciation 0.01 0.01 0.00 0.01 0.02 0.01 0.00 0.01 0.02 0.01 0.01 0.01 0.02
Profit before tax 8.83 0.30 2.84 3.27 -0.10 1.55 6.84 3.52 3.67 25.68 8.76 4.47 1.00
Tax % 9.97% 13.33% 26.76% 21.41% 1,740.00% 20.65% 24.56% 22.44% 7.36% 14.06% -5.14% 4.47% 400.00%
7.95 0.27 2.07 2.57 -1.84 1.24 5.16 2.73 3.39 22.07 9.21 4.27 -3.00
EPS in Rs 3.17 0.11 0.83 1.03 -0.73 0.49 2.06 1.09 1.35 8.81 3.68 1.70 -1.20
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
4 4 2 2 3 6 4 4 5 8 18 25
Interest 0 0 0 0 1 2 1 2 2 1 1 1
0 0 0 0 1 1 1 0 1 1 2 2
Financing Profit 4 4 2 2 1 3 2 2 2 6 15 23
Financing Margin % 93% 93% 81% 86% 47% 46% 49% 56% 42% 67% 81% 90%
1 1 1 1 1 1 1 1 10 1 1 17
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 5 5 3 3 2 3 3 3 12 6 16 40
Tax % 4% 5% 13% 10% 4% 6% -50% 22% 13% 51% 20% 18%
5 5 2 3 2 3 4 3 10 3 13 33
EPS in Rs 1.81 1.88 0.90 1.05 0.94 1.27 1.79 1.03 4.08 1.23 5.00 12.99
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 19%
5 Years: 43%
3 Years: 78%
TTM: 41%
Compounded Profit Growth
10 Years: 21%
5 Years: 49%
3 Years: 138%
TTM: 160%
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: 3%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 10 10 10 10 10 10 10 10 25 25 25 25
Reserves 17 21 24 26 359 248 481 490 947 1,037 1,217 1,128
Borrowing 0 0 0 0 22 26 21 22 21 18 14 8
0 0 0 0 0 0 0 0 1 1 5 4
Total Liabilities 27 31 34 36 392 283 512 523 993 1,081 1,261 1,164
2 2 2 2 2 2 2 2 2 2 2 1
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 21 21 24 23 354 238 468 474 939 1,043 1,232 1,129
4 8 8 11 36 43 42 46 53 36 28 34
Total Assets 27 31 34 36 392 283 512 523 993 1,081 1,261 1,164

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
3 1 0 -1 4 -4 -0 2 9 23 0
-4 -1 1 -1 1 -2 1 -9 -17 -25 3
0 0 0 0 0 0 0 15 0 0 0
Net Cash Flow -0 0 1 -1 5 -5 1 8 -8 -1 3
Free Cash Flow 3 1 0 -1 4 -4 -0 12 9 23 1
CFO/OP 87% 32% 25% -17% 93% -86% 14% 97% 161% 146% 16%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 19% 16% 7% 8% 1% 1% 1% 1% 0% 0% 1% 3%

Insights

In beta
Mar 2015 Mar 2016 Mar 2022 Mar 2023
Average Milk Procurement
LLPD (Lakh Litres Per Day)

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Average Milk Sales
LLPD (Lakh Litres Per Day)
Milk Processing Capacity
LLPD (Lakh Litres Per Day)
Number of Farmers in Procurement Network
Lakhs
Number of Heritage Parlours
Count
Renewable Energy Capacity
MW

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
22.99% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99% 22.99%
77.02% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02% 77.02%
No. of Shareholders 3,3503,3503,3503,3503,3503,3503,3503,3503,3503,3503,3503,350

Documents

Announcements

Annual reports