Smart Finsec Intrinsic Value
Smart Finsec (SMARTFIN) median intrinsic value is ₹16.04 from 9 valuation models (range ₹2–₹21), vs current price ₹8.02 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Read SMARTFIN dividend payout details for the complete payout history and dividend yield track record.
SMARTFIN Valuation Methods Summary — DCF, Graham Number & P/E
Smart Finsec intrinsic value across 9 models vs current price ₹8.02 — upside/downside and value range per method. Analyse Smart Finsec ownership structure to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹3.96 | ₹3.17 - ₹4.75 | -50.6% | EPS: ₹0.33, Sector P/E: 12x |
| Book Value Method | asset | ₹20.05 | ₹18.05 - ₹22.06 | +150.0% | Book Value/Share: ₹56.67, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹6.67 | ₹6.00 - ₹7.34 | -16.8% | Revenue/Share: ₹6.67, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹16.04 | ₹14.44 - ₹17.64 | +100.0% | EBITDA: ₹1.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹20.05 | ₹16.04 - ₹24.06 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹2.41 | ₹2.17 - ₹2.65 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹2.64 | ₹2.38 - ₹2.90 | -67.1% | Revenue Growth: -30.0%, Adj P/E: 8.0x |
| ROE Based Valuation | profitability | ₹16.04 | ₹14.44 - ₹17.64 | +100.0% | ROE: 5.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹20.51 | ₹18.46 - ₹22.56 | +155.7% | EPS: ₹0.33, BVPS: ₹56.67 |
SMARTFIN Intrinsic Value vs Market Price — All Valuation Models
Smart Finsec fair value range ₹2–₹21 vs current market price ₹8.02 across 9 valuation models. For current market price and key ratios, visit Smart Finsec share price screener.
SMARTFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Smart Finsec median intrinsic value ₹16.04, current price ₹8.02 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
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 ₹16.04 (median value). With the current market price of ₹8.02, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹2.41 to ₹20.51, indicating ₹2.41 - ₹20.51.
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%.
SMARTFIN Financial Health — Key Ratios vs Industry Benchmarks
Smart Finsec financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 5.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 69.0% | 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 |
SMARTFIN Cash Flow Quality — Operating & Free Cash Flow
Smart Finsec operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |