Smart Finsec Intrinsic Value
SMARTFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹3.60 | ₹2.88 - ₹4.32 | -48.2% | EPS: ₹0.30, Sector P/E: 12x |
| Book Value Method | asset | ₹17.38 | ₹15.64 - ₹19.12 | +150.1% | Book Value/Share: ₹53.33, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹6.67 | ₹6.00 - ₹7.34 | -4.0% | Revenue/Share: ₹6.67, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹13.90 | ₹12.51 - ₹15.29 | +100.0% | EBITDA: ₹1.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹17.38 | ₹13.90 - ₹20.86 | +150.1% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹2.08 | ₹1.87 - ₹2.29 | -70.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹2.40 | ₹2.16 - ₹2.64 | -65.5% | Revenue Growth: -30.0%, Adj P/E: 8.0x |
| ROE Based Valuation | profitability | ₹13.90 | ₹12.51 - ₹15.29 | +100.0% | ROE: 6.2%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹18.97 | ₹17.07 - ₹20.87 | +172.9% | EPS: ₹0.30, BVPS: ₹53.33 |
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Valuation Comparison Chart
SMARTFIN Intrinsic Value Analysis
What is the intrinsic value of SMARTFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Smart Finsec (SMARTFIN) is ₹13.90 (median value). With the current market price of ₹6.95, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹2.08 to ₹18.97, indicating ₹2.08 - ₹18.97.
Is SMARTFIN undervalued or overvalued?
Based on our multi-method analysis, Smart Finsec (SMARTFIN) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Debt to Equity Ratio | 1.00 | Industry Standard: <0.5 | Below 1.0 | Indicates financial leverage level |
| Return on Equity | 6.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 66.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Smart Finsec
Additional stock information and data for SMARTFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹3 Cr | ₹2 Cr | Positive Free Cash Flow | 7/10 |
| March 2024 | ₹3 Cr | ₹3 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-1 Cr | ₹-1 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹5 Cr | ₹5 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹-5 Cr | ₹-5 Cr | Negative Cash Flow | 3/10 |