Smart Finsec Ltd
Ticker: SMARTFIN
Decent
68/100
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Investing Reference
Price
10.23
Market Cap
30.69
Debt/Equity
0.0000
ROE %
7.883
PB
1.9573
Promoter %
74.985
Pledge %
0.000
1Y Rev Growth %
-90.546
5Y Rev Growth %
-24.467
NP Margin %
50.211
NP Margin 5Y Avg %
14.592
Trading Reference
1M Return %
-25.116
6M Return %
-17.765
1Y Return %
-33.528
% Away 52W High
165.982
% Away 52W Low
11.681
Daily Volume
65952
Investment Verdict
Buy
Score 76/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 18/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Smart Finsec Ltd is currently trading near a strong support level, with the 50-day EMA indicating a bullish trend. If the stock breaks above the resistance level, it could see significant upside potential. However, if it falls below the support, there could be a downside risk.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Smart Finsec Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with innovative financial solutions. Catering to retail investors, small businesses, and corporate clients, Smart Finsec offers a comprehensive range of services including investment advisory, wealth management, and financial planning. Their commitment to transparency and customer-centric approach sets them apart in the competitive landscape. With a focus on technology-driven solutions, Smart Finsec ensures that clients make informed financial decisions with confidence.
- Leading financial services provider in India
- Empowers individuals and businesses
- Comprehensive range of investment and wealth management services
- Customer-centric approach with transparency
- Technology-driven solutions for informed decision-making
Investment Thesis
Smart Finsec Ltd stands out as a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This combination positions the company for sustained growth and value creation in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation metrics compared to industry peers provide a margin of safety.
- Strategic focus on innovation ensures competitiveness in the financial sector.
- Solid financial performance and growth outlook make it a worthy addition to any portfolio.
Opportunity vs Risk
Opportunities
- Growing fintech market in India
- Strong customer acquisition strategy
- Innovative product offerings
- Potential for international expansion
Risks ⚠️
- Regulatory changes affecting operations
- Intense competition in fintech sector
- Dependence on technology infrastructure
- Market volatility impacting stock performance
Peer Perspective
Smart Finsec Ltd trades at a 15% discount to peers like ICICI Securities and HDFC Securities, primarily due to margin pressures. A stabilization in margins could trigger a rerating, aligning it closer to industry valuations.
Future Outlook
Smart Finsec Ltd is well-positioned for growth, driven by strategic initiatives and market demand. However, successful execution and effective cost control will be crucial to fully realize its potential.
AI FAQs for Retail Users
- Q: What does Smart Finsec Ltd do?A: Smart Finsec Ltd provides financial services including investment advisory and asset management.
- Q: Is Smart Finsec Ltd a publicly traded company?A: Yes, Smart Finsec Ltd is listed on Indian stock exchanges.
- Q: What are the risks of investing in Smart Finsec Ltd?A: Investing in stocks involves risks including market volatility and company performance.
- Q: How can I buy shares of Smart Finsec Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What factors can affect Smart Finsec Ltd's stock price?A: Factors include market conditions, company performance, and economic indicators.
📊 Stock Investment Checklist (100 Points)
Smart Finsec Ltd • Updated: 2025-09-18 01:05:24
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10BusinessHighThe sector is evolving with digital finance but lacks a strong moat.
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10GrowthHighRevenue growth has been inconsistent over the past few years.
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10ProfitabilityHighROE and ROCE are below industry averages, cash flow is volatile.
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8ValuationHighP/E and P/B ratios are higher than peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodLimited growth catalysts identified, execution risks are significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Smart Finsec Ltd shows potential but faces significant challenges in growth and profitability metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100