SMC Credits Ltd
📡AI Radar📊 Stock Analysis
Market Data
Face Value₹10
Performance
ROCE1.83 %
ROE1.33 %
EPS (TTM)₹1.95
EPS Prev Qtr₹-1.2
EPS Last Year₹3.68
EBITDA Qtr₹6 Cr.
Financial Health
Debt/Equity0.01
Debt/Profit0.54
Total Assets₹1,164.437 Cr.
Promoter Holding22.99 %
Earning Power1.62 %
Valuation
Industry P/E18.5
Key Metrics
__derived
1
Face Value
₹10
About SMC Credits Ltd
Financial Services · Finance
SMC Credits Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 29.43 | ₹5,98,469.86 Cr | 0.62% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.25 | ₹2,77,343.3 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.36 | ₹2,31,515.08 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.03 | ₹1,54,848.72 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 67.27 | ₹1,43,024.05 Cr | 0.28% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,252.93 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Cholamandalam Investment & Finance Company Ltd | - | 23.82 | ₹1,37,778 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Bajaj Holdings & Investment Ltd | - | 13.55 | ₹1,19,992.77 Cr | 1.81% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.69 | ₹1,10,146.89 Cr | 1.09% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.13 | ₹1,07,583.32 Cr | 5.69% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,05,130.86 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,173.26 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.37 | ₹1,03,306.54 Cr | 1.33% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.68 | ₹97,908.69 Cr | 2.36% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.93 | ₹78,838.73 Cr | 6.2% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| Nippon Life India Asset Management Ltd | - | 41.59 | ₹68,308.77 Cr | 2.01% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.37 | ₹68,291.81 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| L&T Finance Ltd | - | 20.84 | ₹66,370.86 Cr | 1.04% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| SBI Cards & Payment Services Ltd | - | 24.15 | ₹54,936.71 Cr | 0.43% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 22.67 | ₹51,570.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
📊 Jun 2026: Revenue fell 36.4% YoY, Profit fell 77.9% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 10.47 | 8.8 | 4.22 | 1.95 | 6.66 |
| ↳ QoQ Growth | - | -16.0% | -52.0% | -53.8% | +241.5% |
| Expenses | 0.45 | 0.46 | 0.64 | 0.99 | 0.65 |
| Operating Profit | 10.01 | 8.34 | 3.58 | 0.96 | 6 |
| OPM % | 95.61% | 94.77% | 84.83% | 49.23% | 90.09% |
| Other Income | 15.67 | 0.42 | 0.89 | 0.04 | 0.51 |
| Interest | 0.2 | 0.09 | 0.1 | 0.13 | 0.18 |
| Depreciation | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| EBITDA | 10.02 | 8.35 | 3.59 | 0.98 | 6.01 |
| EBITDA Margin % | 95.7% | 94.89% | 85.07% | 50.26% | 90.24% |
| Profit Before Tax | 25.68 | 8.76 | 4.47 | 1 | 6.51 |
| Tax % | 14.06% | -5.14% | 4.47% | 400% | 25.04% |
| Net Profit | 22.07 | 9.21 | 4.27 | -3 | 4.88 |
| ↳ QoQ Growth | - | -58.3% | -53.6% | -170.3% | +262.7% |
| EPS | 8.8 | 3.68 | 1.7 | -1.2 | 1.95 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 25.44 | 21.63 |
| Expenses | 2.54 | 2.74 |
| Operating Profit | 22.89 | 18.88 |
| OPM % | 89.98% | 87.29% |
| Other Income | 17.02 | 1.86 |
| Interest | 0.52 | 0.5 |
| Depreciation | 0.05 | 0.05 |
| Profit Before Tax | 39.91 | 20.74 |
| Tax % | 18.44% | 25.94% |
| Net Profit | 32.55 | 15.36 |
| EPS | 12.98 | 6.13 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
1.33%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 25.06 | 25.0555 |
| Reserves | 1216.88 | 1127.558 |
| Borrowings | 13.88 | 8.32 |
| Other Liabilities | 5.26 | 3.5 |
| Total Liabilities | 1261.08 | 1164.4374 |
| Fixed Assets | 1.5 | 1.3511 |
| CWIP | 0 | 0 |
| Investments | 1231.94 | 1128.98 |
| Other Assets | 27.64 | 34.11 |
| Total Assets | 1261.08 | 1164.4374 |
Cash Flows
| Mar 2025 | |
|---|---|
| Cash from Operating Activity | 23.1798 |
| Cash from Investing Activity | -24.5504 |
| Cash from Financing Activity | 0 |
| Net Cash Flow | -1.3706 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 16587.38 |
| ROCE % | 1.98% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 22.99% | 22.99% | 22.99% | 22.99% |
| FIIs % | 0% | 0% | 0% | 0% |
| DIIs % | 0% | 0% | 0% | 0% |
| Public % | 8.01% | 8.01% | 8.01% | 8.01% |
| No. of Shareholders | 3,350 | 3,350 | 3,350 | 3,350 |