Smart Finsec Limited
Smart Finsec Limited Fundamental Analysis
Smart Finsec Limited (SMARTFIN.BO) shows moderate financial fundamentals with a PE ratio of 22.79, profit margin of 55.50%, and ROE of 6.45%. The company generates $0.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 64.0/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze SMARTFIN.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakSMARTFIN.BO struggles to generate sufficient returns from assets.
Valuation Score
ModerateSMARTFIN.BO shows balanced valuation metrics.
Growth Score
ModerateSMARTFIN.BO shows steady but slowing expansion.
Financial Health Score
ExcellentSMARTFIN.BO maintains a strong and stable balance sheet.
Profitability Score
WeakSMARTFIN.BO struggles to sustain strong margins.
Key Financial Metrics
Is SMARTFIN.BO Expensive or Cheap?
P/E Ratio
SMARTFIN.BO trades at 22.79 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, SMARTFIN.BO's PEG of 7.52 indicates potential overvaluation.
Price to Book
The market values Smart Finsec Limited at 1.43 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 18.78 times EBITDA. This signals the market has high growth expectations.
How Well Does SMARTFIN.BO Make Money?
Net Profit Margin
For every $100 in sales, Smart Finsec Limited keeps $55.50 as profit after all expenses.
Operating Margin
Core operations generate 77.68 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.45 in profit for every $100 of shareholder equity.
ROA
Smart Finsec Limited generates $6.06 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Smart Finsec Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Smart Finsec Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
SMARTFIN.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
22.79
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
7.52
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.43
vs 25 benchmark
P/S Ratio
Price to sales ratio
13.08
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.03
vs 25 benchmark
Current Ratio
Current assets to current liabilities
135.04
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.06
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How SMARTFIN.BO Stacks Against Its Sector Peers
| Metric | SMARTFIN.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 22.79 | 26.71 | Better (Cheaper) |
| ROE | 6.45% | 1311.00% | Weak |
| Net Margin | 55.50% | -29317.00% (disorted) | Strong |
| Debt/Equity | 0.03 | 0.75 | Strong (Low Leverage) |
| Current Ratio | 135.04 | 10.53 | Strong Liquidity |
| ROA | 6.06% | -1537638.00% (disorted) | Weak |
SMARTFIN.BO outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Smart Finsec Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Cyclical, Value, Infrastructure
EPS CAGR
N/A
Industry Style: Cyclical, Value, Infrastructure
FCF CAGR
N/A
Industry Style: Cyclical, Value, Infrastructure