Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.35 | 3.79 | 0.47 | 2.02 | 8.00 | 1.99 | 3.30 | 10.47 | 8.80 | 4.22 | 1.95 | 6.66 |
| Interest | 0.38 | 0.35 | 0.35 | 0.34 | 0.38 | 0.26 | 0.25 | 0.20 | 0.09 | 0.10 | 0.13 | 0.18 |
| Expenses | 0.33 | 0.36 | 0.40 | 0.32 | 0.99 | 0.30 | 0.55 | 0.25 | 0.36 | 0.53 | 0.84 | 0.47 |
| Financing Profit | 2.64 | 3.08 | -0.28 | 1.36 | 6.63 | 1.43 | 2.50 | 10.02 | 8.35 | 3.59 | 0.98 | 6.01 |
| Financing Margin % | 78.81% | 81.27% | -59.57% | 67.33% | 82.88% | 71.86% | 75.76% | 95.70% | 94.89% | 85.07% | 50.26% | 90.24% |
| Other Income | 0.20 | 0.20 | 0.20 | 0.20 | 0.21 | 2.10 | 1.19 | 15.67 | 0.42 | 0.89 | 0.04 | 0.51 |
| Depreciation | 0.00 | 0.01 | 0.02 | 0.01 | 0.00 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Profit before tax | 2.84 | 3.27 | -0.10 | 1.55 | 6.84 | 3.52 | 3.67 | 25.68 | 8.76 | 4.47 | 1.00 | 6.51 |
| Tax % | 26.76% | 21.41% | 1,740.00% | 20.65% | 24.56% | 22.44% | 7.36% | 14.06% | -5.14% | 4.47% | 400.00% | 25.04% |
| Net Profit | 2.07 | 2.57 | -1.84 | 1.24 | 5.16 | 2.73 | 3.39 | 22.07 | 9.21 | 4.27 | -3.00 | 4.88 |
| EPS in Rs | 0.83 | 1.03 | -0.73 | 0.49 | 2.06 | 1.09 | 1.35 | 8.81 | 3.68 | 1.70 | -1.20 | 1.95 |
| Gross NPA % | ||||||||||||
| Net NPA % |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4 | 2 | 2 | 3 | 6 | 4 | 4 | 5 | 8 | 18 | 41 | 22 |
| Interest | 0 | 0 | 0 | 1 | 2 | 1 | 2 | 2 | 1 | 1 | 1 | 0 |
| Expenses | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 1 | 1 | 2 | 2 | 2 |
| Financing Profit | 4 | 2 | 2 | 1 | 3 | 2 | 2 | 2 | 6 | 15 | 38 | 19 |
| Financing Margin % | 93% | 81% | 86% | 47% | 46% | 49% | 56% | 42% | 67% | 81% | 94% | 88% |
| Other Income | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 10 | 1 | 1 | 2 | 2 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 5 | 3 | 3 | 2 | 3 | 3 | 3 | 12 | 6 | 16 | 40 | 21 |
| Tax % | 5% | 13% | 10% | 4% | 6% | -50% | 22% | 13% | 51% | 20% | 18% | |
| Net Profit | 5 | 2 | 3 | 2 | 3 | 4 | 3 | 10 | 3 | 13 | 33 | 15 |
| EPS in Rs | 1.88 | 0.90 | 1.05 | 0.94 | 1.27 | 1.79 | 1.03 | 4.08 | 1.23 | 5.00 | 12.99 | 6.13 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 25% | 58% | 108% | -9% | ||
| Compounded Profit Growth | 21% | 48% | 137% | -54% | ||
| Stock Price CAGR | % | % | % | % | ||
| Return on Equity | 1% | 1% | 1% | 3% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 25 | 25 | 25 | 25 |
| Reserves | 17 | 21 | 24 | 26 | 359 | 248 | 481 | 490 | 947 | 1,037 | 1,217 | 1,128 |
| Borrowing | 0 | 0 | 0 | 0 | 22 | 26 | 21 | 22 | 21 | 18 | 14 | 8 |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 5 | 3 |
| Total Liabilities | 27 | 31 | 34 | 36 | 392 | 283 | 512 | 523 | 993 | 1,081 | 1,261 | 1,164 |
| Fixed Assets | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 21 | 21 | 24 | 23 | 354 | 238 | 468 | 474 | 939 | 1,043 | 1,232 | 1,129 |
| Other Assets | 4 | 8 | 8 | 11 | 36 | 43 | 42 | 46 | 53 | 36 | 28 | 34 |
| Total Assets | 27 | 31 | 34 | 36 | 392 | 283 | 512 | 523 | 993 | 1,081 | 1,261 | 1,164 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 3 | 1 | 0 | -1 | 4 | -4 | -0 | 2 | 9 | 23 | 0 | |
| Cash from Investing Activity | -4 | -1 | 1 | -1 | 1 | -2 | 1 | -9 | -17 | -25 | 3 | |
| Cash from Financing Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15 | 0 | 0 | 0 | |
| Net Cash Flow | -0 | 0 | 1 | -1 | 5 | -5 | 1 | 8 | -8 | -1 | 3 | |
| Free Cash Flow | 3 | 1 | 0 | -1 | 4 | -4 | -0 | 12 | 9 | 23 | 1 | |
| CFO/OP | 87% | 32% | 25% | -17% | 93% | -86% | 14% | 97% | 161% | 147% | 10% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 19% | 16% | 7% | 8% | 1% | 1% | 1% | 1% | 0% | 0% | 1% | 3% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 22.99% | 22.99% | 22.99% | 22.99% | 22.99% | 22.99% | 22.99% | 22.99% | 22.99% | 22.99% | 22.99% | 22.99% |
| Public | 77.02% | 77.02% | 77.02% | 77.02% | 77.02% | 77.02% | 77.02% | 77.02% | 77.02% | 77.02% | 77.02% | 77.02% |
| No. of Shareholders | 3,350 | 3,350 | 3,350 | 3,350 | 3,350 | 3,350 | 3,350 | 3,350 | 3,350 | 3,350 | 3,350 | 3,350 |
Fundamentals
Market Cap₹ Cr.
Current Price₹
Book Value₹
ROCE3.31 %
ROE2.68 %
Dividend Yield%
Face Value₹ 10.0
Compounded Sales Growth (TTM)-9%
Compounded Profit Growth (TTM)-54%
Standalone figures.
Profitability
Operating margin (excl. other income)95.15%
Operating margin (incl. other income)99.09%
EBITDA margin98.43%
Pre-tax margin95.89%
Net profit margin71.01%
Net margin, latest quarter73.27%
ROE2.72%
ROCE3.34%
ROA2.68%
ROE, 3-year average1.37%
ROCE, 3-year average1.84%
ROA, 3-year average1.35%
ROE, 5-year average1.20%
ROCE, 5-year average1.65%
ROA, 5-year average1.18%
ROIC (approx.)1.50%
Tax rate18.45%
Other income / net worth0.14%
Growth
Sales growth (latest year)127.09%
Profit growth (latest year)159.98%
Sales CAGR, 3 years108.26%
Sales CAGR, 5 years57.67%
Profit CAGR, 3 years47.13%
Profit CAGR, 5 years48.55%
Sales growth QoQ241.54%
Sales growth YoY (latest quarter)-36.39%
Profit growth YoY (latest quarter)-77.89%
Per share
EPS (TTM)Rs 6.13
EPS (latest year)Rs 12.99
EPS (latest quarter)Rs 1.95
EPS, 3-year averageRs 6.40
EPS, 5-year averageRs 5.18
Book value per shareRs 460.03
Sales per shareRs 8.63
Cash flow per shareRs 0.02
Free cash flow per shareRs 0.40
Efficiency
Asset turnover0.04x
Fixed asset turnover30.24x
Debtor days1 days
Debtors turnover510.38x
Leverage
Total debtRs 8 Cr
Cash and bankRs 3 Cr
Net debtRs 6 Cr
Debt to equity0.01x
Net debt / EBITDA0.27x
Interest coverage42.48x
Owners' fund to total sources98.99%
Debt to assets0.71%
Cash flow
Cash from Operating Activity (latest year)Rs 0 Cr
Cash from Investing Activity (latest year)Rs 3 Cr
Net Cash Flow (latest year)Rs 3 Cr
Free cash flow (latest year)Rs 1 Cr
FCFE (approx.: FCF + change in debt)Rs -5 Cr
Cash from ops / profit, 5 years0.55x
Sales to cash flow816.60x
Statement figures
Net sales (TTM)Rs 22 Cr
Net sales (latest year)Rs 41 Cr
Sales (latest quarter)Rs 7 Cr
Operating profit excl. other income (latest year)Rs 39 Cr
Operating profit (latest quarter)Rs 6 Cr
Other income (TTM)Rs 2 Cr
EBITDA (TTM)Rs 21 Cr
PBDT (TTM)Rs 21 Cr
Profit before tax (TTM)Rs 21 Cr
Tax (latest year)Rs 7 Cr
Net profit (TTM)Rs 15 Cr
Net profit (latest year)Rs 33 Cr
Net profit (latest quarter)Rs 5 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 0 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 2 Cr
Total income (latest year)Rs 42 Cr
Share capitalRs 25 Cr
ReservesRs 1,128 Cr
Shareholders' fundsRs 1,153 Cr
Total assetsRs 1,164 Cr
Net blockRs 1 Cr
InvestmentsRs 1,129 Cr
ReceivablesRs 0 Cr
Other liabilitiesRs 3 Cr
Shares outstanding (crore)2.51
Ownership
Promoter holding22.99% (+0.00 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
Not enough history to build valuation bands (needs two years of profits and prices).
Not enough price history.
Red flags
F-score 7 of 8No red flags in the latest statements and filings.
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹7 Cr -36.4% vs Jun 2025.
Net profit ₹5 Cr -77.9%.
Activity
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No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of SMC Credits Ltd?
SMC Credits Ltd (532138) has a market capitalisation of Rs Cr. at the close.
What were SMC Credits Ltd's latest quarterly results?
In the Jun 2026 quarter, SMC Credits Ltd revenue was Rs 7 Cr (-36.4% vs Jun 2025) and net profit was Rs 5 Cr.