Smart Finsec quarterly results and financials

Smart Finsec (BSE 539494)₹8.13−2.98%(9 Nov 2026 close)Non Banking Financial Company (NBFC)

Key facts

In the Mar 2026 quarter (standalone), Smart Finsec reported revenue of ₹0.51 Cr, up 13.3% from Mar 2025, and net profit of ₹0.16 Cr, down 15.8% year on year. For the year to Mar 2026, revenue were ₹1.98 Cr and net profit ₹0.97 Cr.

Revenue (Mar 2026): ₹0.51 Cr
Net profit (Mar 2026): ₹0.16 Cr
Revenue (FY Mar 2026): ₹1.98 Cr
Net profit (FY Mar 2026): ₹0.97 Cr
EPS (Mar 2026): ₹0.05
Borrowings (Mar 2026): ₹0 Cr

Company filings, standalone accounts; latest reported quarter Mar 2026

Smart Finsec quarterly results

₹ crore unless stated; each column is a quarter.

Smart Finsec Quarterly results
	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	5.15	7.86	11.27	0.85	0.62	0.74	0.59	0.45	0.56	0.42	0.52	0.51
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net interest income	5.15	7.86	11.27	0.85	0.62	0.74	0.59	0.45	0.56	0.42	0.52	0.51
Expenses	5.26	5.77	10.79	0.17	0.22	0.24	0.18	0.19	0.20	0.15	0.13	0.18
Financing Profit	−0.12	2.10	0.50	0.69	0.41	0.50	0.42	0.27	0.37	0.28	0.39	0.33
Financing Margin %	−2.2%	26.5%	4.4%	80.9%	65.5%	67.1%	70.7%	59.0%	65.4%	65.8%	74.5%	63.9%
Depreciation	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.00	−0.03	0.00
Profit before tax	−0.11	2.07	0.47	0.66	0.38	0.47	0.39	0.24	0.34	0.26	0.39	0.31
Tax %	0.0%	23.1%	20.9%	20.9%	20.5%	23.0%	22.5%	16.1%	20.1%	22.2%	20.0%	46.9%
Net Profit	−0.11	1.58	0.36	0.52	0.31	0.36	0.29	0.19	0.27	0.22	0.31	0.16
EPS (Rs)	−0.03	0.52	0.11	0.17	0.09	0.11	0.09	0.06	0.08	0.06	0.10	0.05

Smart Finsec profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Smart Finsec Profit and loss
	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	−0.04	1.31	15.55	4.70	9.66	23.25	50.87	30.79	25.12	2.38	1.98	2.01
Interest	0.00	0.00	0.00	0.00	0.11	0.09	0.00	0.00	0.00	0.00	0.01	0.00
Net interest income	−0.04	1.31	15.55	4.70	9.55	23.16	50.87	30.79	25.12	2.38	1.97	2.01
Expenses	0.26	0.15	14.54	3.88	9.10	22.67	46.28	28.82	21.97	0.81	0.62	0.66
Financing Profit	−0.29	1.17	1.05	0.83	0.45	0.51	4.61	1.98	3.15	1.57	1.35	1.37
Financing Margin %	933.3%	89.2%	6.7%	17.4%	4.5%	2.1%	9.0%	6.4%	12.5%	65.7%	68.0%	68.2%
Other Income	0.14	0.32	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.07	0.07	0.00	−0.01
Profit before tax	−0.18	1.42	0.97	0.75	0.38	0.44	4.54	1.91	3.07	1.49	1.33	1.30
Tax %	−57.9%	22.4%	13.3%	19.8%	12.8%	0.0%	24.0%	26.1%	23.7%	21.4%	26.9%	—
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—
Net Profit	−0.07	1.10	0.85	0.60	0.35	0.44	3.47	1.40	2.36	1.16	0.97	0.96
EPS (Rs)	−0.02	0.36	0.28	0.19	0.10	0.14	1.14	0.46	0.78	0.38	0.32	0.29
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—

Smart Finsec balance sheet

₹ crore, at each year end.

Smart Finsec Balance sheet
	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	3.01	3.00	3.00	3.00	2.99	2.99	2.99	3.00	2.99	3.00	3.00	3.00
Reserves	0.90	0.83	1.94	2.80	3.40	3.82	4.22	7.72	9.12	11.50	12.67	13.66
Borrowings	0.00	1.51	4.82	4.82	4.82	4.81	9.07	2.61	1.41	0.00	0.00	0.00
Other Liabilities	0.11	0.10	0.32	0.23	1.41	0.31	0.15	0.05	0.06	0.09	0.10	0.14
Total Liabilities	4.02	5.44	10.08	10.85	12.62	11.93	16.43	13.38	13.58	14.59	15.77	16.80
Fixed Assets	1.86	1.81	1.75	1.69	1.63	1.58	1.52	1.47	1.41	1.36	1.31	1.31
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
Investments	1.47	1.47	5.35	5.83	5.67	4.31	4.56	2.72	1.07	1.78	1.91	2.01
Other Assets	0.69	2.16	2.98	3.33	5.32	6.04	10.35	9.19	11.10	11.45	12.55	13.48
Inventories	0.00	0.81	2.40	1.19	0.02	2.89	6.69	8.00	4.12	0.00	0.00	0.00
Trade receivables	0.00	0.00	0.00	0.00	0.00	1.17	1.54	0.69	2.77	0.03	0.02	0.12
Cash & equivalents	0.19	1.19	0.26	0.10	0.12	0.75	0.13	0.19	0.10	0.76	3.43	2.90
Total Assets	4.02	5.44	10.08	10.85	12.62	11.93	16.43	13.38	13.58	14.59	15.77	16.80

Smart Finsec cash flow

₹ crore, for each year.

Smart Finsec Cash flow
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−0.08	−1.09	−0.75	−0.17	0.03	−0.80	−4.88	4.69	−0.51	2.67	2.68	−0.55
Cash from investing activity	−0.08	0.14	−3.50	0.00	0.00	0.00	0.00	1.84	1.63	−0.61	−2.51	−0.13
Cash from financing activity	0.03	1.97	3.31	0.00	0.00	0.00	4.26	−6.47	−1.21	−1.41	0.00	0.00
Net cash flow	−0.13	1.02	−0.94	−0.17	0.03	−0.80	−0.60	0.07	−0.10	0.67	0.18	−0.67
Capex	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.02	0.00	0.00
Free cash flow	−1.05	−1.07	−0.73	−0.15	0.01	−0.78	−4.86	4.67	−0.49	2.64	2.66	−0.54
CFO / OP %	117.0%	386.0%	−64.0%	−15.0%	2.0%	−141.0%	−812.0%	102.0%	−24.9%	85.0%	170.0%	−39.9%

Smart Finsec ratios

Working-capital days and returns, by year.

Smart Finsec Ratios
	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 %	2.3%	−2.1%	25.3%	16.0%	10.0%	5.1%	6.4%	38.5%	12.3%	17.8%	7.8%	6.1%

Smart Finsec: frequently asked questions

What are the latest quarterly results of Smart Finsec?

For the Mar 2026 quarter, Smart Finsec reported revenue of ₹0.51 Cr, up 13.3% year on year and net profit of ₹0.16 Cr, down 15.8% year on year.

What is the annual revenue of Smart Finsec?

Smart Finsec's revenue for the year to Mar 2026 were ₹1.98 Cr; over the last twelve months they were ₹2.01 Cr.

What is the net profit of Smart Finsec?

Net profit for the year to Mar 2026 was ₹0.97 Cr, and ₹0.96 Cr over the last twelve months. Earnings per share over the same trailing period were ₹0.29.

What is the free cash flow of Smart Finsec?

Cash from operations was −₹0.55 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹0.54 Cr.

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