Smart Finsec P/B Ratio
Smart Finsec (SMARTFIN) P/B ratio is 1.61 (Moderate), book value per share ₹56.67 vs Financial Services average P/B of -3.85 — Moderate - Reasonably valued relative to book value. For live price, earnings yield and the full fundamental profile, see SMARTFIN share price.
Current Valuation Metrics
Book Value Breakdown (2026)
Valuation Signal
Sector Context
SMARTFIN P/B Ratio — Valuation Insights & Book Value Analysis
Smart Finsec price-to-book ratio interpretation, valuation status and historical context — current P/B 1.61 (Moderate). View SMARTFIN 52-week high low for the annual high/low range and current price position.
- Current PB is 544.0% above historical average
- Trading at premium to sector average PB of -3.85
Smart Finsec P/B Ratio Historical Trend
SMARTFIN annual price-to-book ratio — 5 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. Compare with SMARTFIN fair value estimate to assess whether the stock is under or overvalued.
SMARTFIN Historical P/B Ratio — Book Value Per Share & Year-End Price
Smart Finsec annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.
| Year | P/B Ratio | Book Value/Share (₹) | Year-end Price (₹) | Total Equity (₹ Cr) | Valuation |
|---|---|---|---|---|---|
| 2026 | 0.14 | ₹56.67 | ₹8.12 | ₹17 | Low |
| 2025 | 0.15 | ₹53.33 | ₹8.23 | ₹16 | Low |
| 2024 | 0.3 | ₹50.0 | ₹14.88 | ₹15 | Low |
| 2023 | 0.44 | ₹40.0 | ₹17.58 | ₹12 | Low |
| 2022 | 0.22 | ₹36.67 | ₹8.05 | ₹11 | Low |
SMARTFIN vs Financial Services Peers — P/B Ratio Comparison
Smart Finsec P/B 1.61 vs Financial Services average -3.85, median -0.03 — range -91.12–0.15.
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Mena Mani Industries | MENAMANI | -91.12 | ₹72 | Low |
| Manraj Housing Finance | MANRAJH | -29.76 | ₹21 | Low |
| Blue Chip | BLUECHIP | -28.88 | ₹18 | Low |
| Trustwave Securities | TRUSTWAVE | -13.82 | ₹15 | Low |
| Gujarat Lease Financing | GLFL | -4.71 | ₹17 | Low |
| CMX Holdings | CMXLTD | -4.6 | ₹26 | Low |
| Classic Leasing & Finance | CLFL | -4.13 | ₹15 | Low |
| Roselabs Finance | ROSELABS | -4.07 | ₹21 | Low |
| Manipal Finance | MNPLFIN | -2.49 | ₹19 | Low |
| Reliance Home Finance | RHFL | -2.36 | ₹131 | Low |