Smart Finsec (BOM:539494) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:539494 Smart Finsec Ltd BOM:539494
71 GF Score
Price ₹7.96
GF Value ₹6.76
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Smart Finsec Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

BOM:539494
71GF Score
Smart Finsec Ltd BOM:539494
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Smart Finsec (BOM:539494) Overvalued in 2026?

Based on GuruFocus' analysis, Smart Finsec stock appears to be overvalued. The current stock price of ₹7.96 is trading 17.8% above its estimated GF Value™ of ₹6.76. GuruFocus considers Smart Finsec to be Modestly Overvalued.

Key valuation signals for BOM:539494:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: ₹6.76 vs. price of ₹7.96 (17.8% above fair value)
  • GF Score™: 71/100 with 3 warning signs

No single metric tells the full story. See the BOM:539494 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Smart Finsec Business Description

Address F-88, West District Centre, 2nd Floor, Shivaji Enclave, Rajouri Garden, Opposite TDI Paragon Mall, New Delhi, IND, 110027
Smart Finsec Ltd is mainly engaged in the business of lending small loans and investments in stocks, securities and bonds. The Company is a non-deposit taking Non-Banking Finance Company (NBFC) and registered with Reserve Bank of India.
71GF Score

Get the complete analysis for BOM:539494

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹7.96
Price
₹6.76
GF Value