SMARTFIN (SMARTFIN) Fair Value & Analysis

IN · Market cap ₹242M

S SMARTFIN SMARTFIN · BSE

Price₹8.06

Fair Value₹5.53

Upside-31.4%

Quality50/100

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Evidence: Medium Range ₹4.15 – ₹6.92

Fair value as of: Jul 6, 2026

From 12 valuation models · updated today

Share price −0.7% over the past month.

Price vs Fair Value (12 months)

12‑month range ₹6.48 – ₹13.91 · fair‑value band ₹4.15 – ₹6.92 · the ₹8.06 price screens above the ₹5.53 fair value. As of Jul 6, 2026.

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Analysis

SMARTFIN (SMARTFIN) currently trades at ₹8.06, while our model-based Fair Value estimate is ₹5.53 — implying the stock looks roughly 31.4% overvalued today. We read business quality at 50/100 (solid quality). Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

Over the trailing twelve months, SMARTFIN generated revenue of ₹19.4M at a net margin of 50.2%. Revenue grew 9.1% year over year. It earns a return on equity of 6.0%. Net debt stands at ₹13.1M. Fundamentals as of Jul 6, 2026

Our scenario range runs from ₹4.15 (bear case) to ₹6.92 (bull case); at ₹8.06, the current price sits above that range. The share trades about 44% below its 52-week high and 28% above its 52-week low, currently below its 200-day average.

Key figures & financial health

Revenue (TTM) ₹19.4M

Revenue growth (YoY) +9.1%

Net margin 50.2%

Return on equity 6.0%

Free cash flow −₹5.4M FY2026

P/E ratio 24.4

More key figures

Operating margin 65.3%

EPS (TTM) ₹0.3300

EPS growth (YoY) -12.6%

Net debt ₹13.1M FY2023

Figures from reported company fundamentals (EODHD) · as of Jul 6, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

SMARTFIN reported revenue of ₹18.6M in FY2026 versus ₹508M in FY2022, a compound −56.3%/yr. Reported net income was ₹9.8M in FY2026, compounding −27.1%/yr from FY2022.

Revenue −56.3%/yr

FY22 ₹508M

FY23 ₹307M

FY24 ₹245M

FY25 ₹22.4M

FY26 ₹18.6M

Net income −27.1%/yr

FY22 ₹34.6M

FY23 ₹14.1M

FY24 ₹23.7M

FY25 ₹11.7M

FY26 ₹9.8M

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<a href="https://www.fairvalue-calculator.com/stock/SMARTFIN" target="_blank" rel="noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">SMARTFIN · Fair Value</span><br><b style="font-size:20px">₹5.53</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−31%</span></span><span style="font-size:11px;color:#7BB290;font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "SMARTFIN Fair Value". https://www.fairvalue-calculator.com/stock/SMARTFIN

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Frequently asked questions

Is SMARTFIN (SMARTFIN) undervalued?

As of Jul 6, 2026, our model estimates a fair value of ₹5.53 versus a price of ₹8.06 — about −31% (overvalued). Model-based estimate, not financial advice.

What is the fair value of SMARTFIN?

Our model-based fair value for SMARTFIN is ₹5.53 (as of Jul 6, 2026), built from audited fundamentals. The current price is ₹8.06.

What is the quality score of SMARTFIN?

SMARTFIN has a Quality Score of 50/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of SMARTFIN (SMARTFIN)?

SMARTFIN reported trailing-twelve-month revenue of about ₹19.4M (latest available figure, as of Jul 6, 2026).

What is the net profit margin of SMARTFIN?

The net profit margin of SMARTFIN is about 50.2%, meaning it keeps roughly 50.2% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.