Smart Finsec Ltd
Incorporated in 1994, Smart Finsec Ltd lends small loans and invests in stocks, securities and bonds[1]
- Market Cap ₹ 37.3 Cr.
- Current Price ₹ 12.4
- High / Low ₹ 22.4 / 6.00
- Stock P/E 19.5
- Book Value ₹ 4.54
- Dividend Yield 0.00 %
- ROCE 14.3 %
- ROE 12.3 %
- Face Value ₹ 1.00
Pros
- Company has reduced debt.
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Debtor days have increased from 32.6 to 68.2 days.
* 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
Sector: Finance Industry: Finance & Investments
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2011 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
0.04 | 0.20 | 0.18 | 0.74 | -0.03 | 1.30 | 15.54 | 4.69 | 9.64 | 23.22 | 50.82 | 30.75 | 28.58 | |
0.11 | 0.08 | 0.09 | 0.80 | 0.25 | 0.14 | 14.50 | 3.87 | 9.08 | 22.62 | 46.22 | 28.78 | 25.95 | |
Operating Profit | -0.07 | 0.12 | 0.09 | -0.06 | -0.28 | 1.16 | 1.04 | 0.82 | 0.56 | 0.60 | 4.60 | 1.97 | 2.63 |
OPM % | -175.00% | 60.00% | 50.00% | -8.11% | 89.23% | 6.69% | 17.48% | 5.81% | 2.58% | 9.05% | 6.41% | 9.20% | |
0.15 | 0.16 | 0.15 | 0.14 | 0.15 | 0.33 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.12 | 0.10 | 0.00 | 0.00 | 0.00 |
Depreciation | 0.02 | 0.01 | 0.01 | 0.00 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 |
Profit before tax | 0.06 | 0.27 | 0.23 | 0.08 | -0.19 | 1.43 | 0.98 | 0.76 | 0.39 | 0.45 | 4.55 | 1.92 | 2.59 |
Tax % | 16.67% | 3.70% | 4.35% | -12.50% | 57.89% | 22.38% | 13.27% | 19.74% | 12.82% | 0.00% | 23.96% | 26.04% | |
0.05 | 0.26 | 0.22 | 0.08 | -0.08 | 1.11 | 0.86 | 0.61 | 0.34 | 0.45 | 3.46 | 1.41 | 1.91 | |
EPS in Rs | 0.02 | 0.09 | 0.07 | 0.03 | -0.03 | 0.37 | 0.29 | 0.20 | 0.11 | 0.15 | 1.15 | 0.47 | 0.63 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | 65% |
5 Years: | 15% |
3 Years: | 47% |
TTM: | -25% |
Compounded Profit Growth | |
---|---|
10 Years: | 18% |
5 Years: | 10% |
3 Years: | 61% |
TTM: | 77% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 19% |
3 Years: | 35% |
1 Year: | 91% |
Return on Equity | |
---|---|
10 Years: | 14% |
5 Years: | 16% |
3 Years: | 19% |
Last Year: | 12% |
Balance Sheet
Figures in Rs. Crores
Mar 2011 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 |
Reserves | 0.29 | 0.60 | 0.82 | 0.90 | 0.83 | 1.94 | 2.80 | 3.41 | 3.83 | 4.24 | 7.73 | 9.14 | 10.61 |
Preference Capital | 0.00 | 0.00 | 0.00 | 0.00 | 1.50 | 4.80 | 4.80 | 4.80 | 0.00 | 0.00 | 0.00 | 0.00 | |
0.00 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.80 | 9.05 | 2.60 | 1.40 | 1.40 | |
0.06 | 0.15 | 0.12 | 0.11 | 1.60 | 5.12 | 5.03 | 6.20 | 0.30 | 0.14 | 0.05 | 0.05 | 0.28 | |
Total Liabilities | 3.35 | 3.77 | 3.94 | 4.01 | 5.43 | 10.06 | 10.83 | 12.61 | 11.93 | 16.43 | 13.38 | 13.59 | 15.29 |
0.86 | 0.87 | 0.87 | 1.85 | 1.80 | 1.74 | 1.68 | 1.62 | 1.57 | 1.51 | 1.46 | 1.40 | 1.38 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 0.00 | 2.11 | 2.25 | 1.46 | 1.46 | 5.33 | 5.81 | 5.65 | 4.30 | 4.54 | 2.71 | 1.06 | 1.57 |
2.49 | 0.79 | 0.82 | 0.70 | 2.17 | 2.99 | 3.34 | 5.34 | 6.06 | 10.38 | 9.21 | 11.13 | 12.34 | |
Total Assets | 3.35 | 3.77 | 3.94 | 4.01 | 5.43 | 10.06 | 10.83 | 12.61 | 11.93 | 16.43 | 13.38 | 13.59 | 15.29 |
Cash Flows
Figures in Rs. Crores
Mar 2011 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-0.44 | 0.12 | -0.07 | -1.08 | -0.74 | -0.16 | 0.02 | -0.79 | -4.87 | 4.68 | -0.50 | ||
0.10 | 0.04 | -0.07 | 0.13 | -3.49 | 0.00 | 0.00 | 0.00 | 0.00 | 1.83 | 1.62 | ||
0.00 | -0.02 | 0.02 | 1.96 | 3.30 | 0.00 | 0.00 | 0.00 | 4.25 | -6.45 | -1.20 | ||
Net Cash Flow | -0.35 | 0.14 | -0.12 | 1.01 | -0.93 | -0.16 | 0.02 | -0.79 | -0.61 | 0.06 | -0.09 |
Ratios
Figures in Rs. Crores
Mar 2011 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 44.68 | 24.36 | 5.03 | 68.25 |
Inventory Days | 0.00 | -9,733.33 | 30.10 | 0.99 | 119.32 | 108.39 | 63.47 | 52.53 | ||||
Days Payable | 0.00 | 0.00 | 6.63 | 0.00 | 0.00 | 0.00 | ||||||
Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | -9,733.33 | 0.00 | 30.10 | 0.99 | 157.37 | 132.76 | 68.50 | 120.78 |
Working Capital Days | 8,303.75 | 730.00 | 730.00 | 172.64 | 8,516.67 | 603.65 | 65.77 | 294.18 | 145.02 | 127.95 | 62.56 | 116.44 |
ROCE % | 6.18% | 2.33% | -4.12% | 18.98% | 9.64% | 6.97% | 4.47% | 3.94% | 30.72% | 14.29% |
Documents
Announcements
- Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A 18 Apr
- Clarification On Delayed Submission Of The Proceedings Of 28Th Annual General Meeting Held On September 26, 2023 9 Apr
- Certificate Pursuant To Regulation 40(9) & 40(10) Of SEBI (LODR) Regulations, 2015 9 Apr
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
9 Apr - Certificate under Reg 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended March 31, 2024.
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Compliance Certificate Under Regulation 7(3) Of SEBI (LODR) Regulations, 2015
9 Apr - Compliance Certificate under Regualtion 7(3) of SEBI (LODR) Regulations, 2015 for the year ended March 31, 2024
Annual reports
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
Registration:[1]
Company is registered as a Non Systematically Important Non Deposit Taking Non Banking Finance Company