pocketful logo
Smart Finsec Ltd logo

Smart Finsec Ltd

NSE: BSE: 539494

7.78

(-1.39%)

Mon, 02 Mar 2026, 02:08 am

Smart Finsec Analysis

dividend

thumbs up icon

Pros

    thumbs up icon

    Cons

    • Unable to evaluate Smart Finsec's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Smart Finsec's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

    thumbs up icon

    Pros

    • Smart Finsec is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • Smart Finsec is profitable, therefore cash runway is not a concern.
    • Smart Finsec is profitable, therefore cash runway is not a concern.
    • Smart Finsec has no debt, it does not need to be covered by operating cash flow.
    • Smart Finsec has no debt, it does not need to be covered by short term assets.
    • Smart Finsec has no long term commitments.
    • Smart Finsec has not taken on any debt in the past 5 years.
    • Smart Finsec has no debt, therefore coverage of interest payments is not a concern.
    • Smart Finsec has no debt.
    • Low level of unsold assets.
    thumbs up icon

    Cons

      management

      thumbs up icon

      Pros

      • Arun's remuneration is lower than average for companies of similar size in India.
      • Arun's compensation has been consistent with company performance over the past year, both up more than 20%.
      thumbs up icon

      Cons

      • The average tenure for the Smart Finsec board of directors is less than 3 years, this suggests a new board.

      misc

      thumbs up icon

      Pros

        thumbs up icon

        Cons

        • Smart Finsec is not covered by any analysts.
        • Smart Finsec has significant price volatility in the past 3 months.
        • BSE:539494 has not traded for 13 days.

        past

        thumbs up icon

        Pros

        • Smart Finsec's 1-year earnings growth exceeds its 5-year average (139.1% vs 46.2%)
        • Smart Finsec has delivered over 20% year on year earnings growth in the past 5 years.
        • Smart Finsec used its assets more efficiently than the IN Diversified Financial industry average last year based on Return on Assets.
        • Smart Finsec's earnings growth has exceeded the IN Diversified Financial industry average in the past year (139.1% vs 13.5%).
        thumbs up icon

        Cons

        • Smart Finsec has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

        value

        thumbs up icon

        Pros

        • Smart Finsec is good value based on earnings compared to the IN Diversified Financial industry average.
        • Smart Finsec is good value based on earnings compared to the India market.
        thumbs up icon

        Cons

        • Smart Finsec's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
        • Smart Finsec's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
        • Smart Finsec is overvalued based on assets compared to the IN Diversified Financial industry average.
        • BSE:539494 is down -21.6% underperforming the Diversified Financial industry which returned 10.8% over the past month.
        • BSE:539494 is down -21.6% underperforming the market in India which returned 8% over the past month.

        Open Your Free Demat Account Now!

        Step into a world of zero fees and limitless opportunities!

        pocketful logo

        2022-25 Pocketful. All rights reserved, Built with in India

        Version -5.76

        app image 1app image 2

        Explore

        Calculatorsfooter arrow down icon
        Popular Calculatorsfooter arrow down icon
        Group Stocksfooter arrow down icon

        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800