Smart FinsecBOM:539494 -2.58%67 Net Margin % is 32.82% as of Mar. 2026, which is 298% above its 10-year median of 8.24. GuruFocus rates BOM:539494 with a GF Score™ of 67/100 and a GF Value™ of ₹6.84 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 777 Capital Markets companies, Smart Finsec ranks better than 85.07% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Smart Finsec's Net Income for the
three
months ended in Mar. 2026 was ₹1.69 Mil. Smart Finsec's Revenue for the
three
months ended in Mar. 2026 was ₹5.15 Mil. Therefore, Smart Finsec's net margin for the quarter that ended in Mar. 2026 was 32.82%.
The historical rank and industry rank for Smart Finsec's Net Margin % or its related term are showing as below:
BOM:539494'
s Net Margin % Range Over the Past 10 Years
Min: 1.95 Med: 8.24 Max: 52.52
Current: 52.44
BOM:539494's Net Margin % is ranked better than 85.07% of 777
companies
in the Capital Markets industry
Industry Median: 14.38
vs BOM:539494: 52.44
Smart Finsec (BOM:539494) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Smart Finsec Net Margin % Related Terms
Smart Finsec Net Margin % Historical Data
* Premium members only.
The historical data trend for Smart Finsec's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:539494 vs MS, GS, SCHW: Net Margin % Comparison
For the Capital Markets subindustry, Smart Finsec's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Smart Finsec Net Margin % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Smart Finsec's Net Margin % distribution charts can be found below:
* The bar in red indicates where Smart Finsec's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Smart Finsec (BOM:539494) has a Net Margin % of 32.82% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Smart Finsec and its competitors. This is 298% above median its historical median of 8.24. Over the past decade, Smart Finsec's Net Margin % has ranged from 1.95 to 52.52. According to the industry distribution chart, Smart Finsec ranks #116 out of 777 companies in the Capital Markets industry, placing it in the top 14.9%.
Is Smart Finsec's Net Margin % too high?
Smart Finsec's current Net Margin % of 32.82% is 298% above median its 10-year median of 8.24. Over the past 10 years, this metric has ranged from a low of 1.95 to a high of 52.52. The Capital Markets industry median Net Margin % is 14.38. Smart Finsec's value of 32.82% is 128.2% above this industry median. Based on the distribution chart, Smart Finsec ranks #116 out of 777 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, Smart Finsec has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Smart Finsec's Net Margin % compare to MS and GS?
According to the Capital Markets industry distribution chart, Smart Finsec ranks #116 out of 777 companies for Net Margin %. This places Smart Finsec in the top 15% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.38. Smart Finsec's value of 32.82% is 128.2% above this benchmark. Historically, Smart Finsec's own Net Margin % has ranged from 1.95 to 52.52 over the past decade. While the company's 10-year median is 8.24 vs. the industry median of 14.38, Smart Finsec has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Capital Markets company?
The median Net Margin % among Capital Markets companies is 14.38, based on 777 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Smart Finsec's current Net Margin % of 32.82% is 128.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Smart Finsec and its competitors. For the Capital Markets industry, the median Net Margin % is 14.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Smart Finsec's current Net Margin % is 32.82%, which is 298% above median its own 10-year median of 8.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Smart Finsec stock overvalued right now?
Based on GuruFocus' analysis, Smart Finsec (BOM:539494) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹6.84, compared to a current price of ₹8.31 — trading 21.5% above its estimated fair value. The current Net Margin % is 32.82%, which is 298% above median its 10-year median of 8.24 and 128.2% above the Capital Markets industry median of 14.38. Smart Finsec's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Smart Finsec (BOM:539494), the current Net Margin % is 32.82% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Smart Finsec (BOM:539494) Overvalued in 2026?
Based on GuruFocus' analysis, Smart Finsec stock appears to be overvalued.
The current stock price of ₹8.31 is trading 21.5% above its estimated GF Value™ of ₹6.84.
GuruFocus considers Smart Finsec to be Modestly Overvalued.
Key valuation signals for BOM:539494:
Net Margin %: 32.82% (298% above median its 10-year median of 8.24)
GF Value™: ₹6.84 vs. price of ₹8.31 (21.5% above fair value)
Industry Position: 128.2% above the Capital Markets median (#116 of 777)
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 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.
67GF Score
Get the complete analysis for BOM:539494
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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