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Smart FinsecBOM:539494 +1.85%73 PS Ratio is 13.03 as of Aug. 12, 2026, which is 658% above its 10-year median of 1.72. GuruFocus rates BOM:539494 with a GF Score™ of 73/100 and a GF Value™ of ₹6.68 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 755 Capital Markets companies, Smart Finsec ranks worse than 80.4% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Smart Finsec's share price is ₹8.25.
Smart Finsec's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0.63. Hence, Smart Finsec's PS Ratio for today is 13.03.
The historical rank and industry rank for Smart Finsec's PS Ratio or its related term are showing as below:
BOM:539494'
s PS Ratio Range Over the Past 10 Years
Min: 0.37 Med: 1.72 Max: 26.59
Current: 13.04
During the past 12 years, Smart Finsec's highest PS Ratio was 26.59. The lowest was 0.37. And the median was 1.72.
BOM:539494's PS Ratio is ranked worse than 80.4% of 755
companies
in the Capital Markets industry
Industry Median: 4.13
vs BOM:539494: 13.04
Smart Finsec Ltd revenue per share has been in decline for the last 5 years.
During the past 12 months, the average Revenue per Share Growth Rate of Smart Finsec was -15.50% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -60.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -46.80% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 5.00% per year.
During the past 12 years, Smart Finsec's highest 3-Year average Revenue per Share Growth Rate was 176.50% per year. The lowest was -64.70% per year. And the median was 13.90% per year.
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Smart Finsec PS Ratio Related Terms
Smart Finsec PS Ratio Historical Data
* Premium members only.
The historical data trend for Smart Finsec's PS Ratio 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.
For the Capital Markets subindustry, Smart Finsec's PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Smart Finsec's PS Ratio distribution charts can be found below:
* The bar in red indicates where Smart Finsec's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Smart Finsec's PS Ratio for today is calculated as
Smart Finsec's Share Price of today is ₹8.25. Smart Finsec's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0.63.
* 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.
It can also be calculated from the numbers for the whole company:
Smart Finsec (BOM:539494) has a PS Ratio of 13.03 as of Aug. 12, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Smart Finsec and its competitors. This is 658% above median its historical median of 1.72. Over the past decade, Smart Finsec's PS Ratio has ranged from 0.37 to 26.59. According to the industry distribution chart, Smart Finsec ranks #607 out of 755 companies in the Capital Markets industry, placing it in the top 80.4%.
Is Smart Finsec's PS Ratio too high?
Smart Finsec's current PS Ratio of 13.03 is 658% above median its 10-year median of 1.72. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 26.59. The Capital Markets industry median PS Ratio is 4.13. Smart Finsec's value of 13.03 is 215.5% above this industry median. Based on the distribution chart, Smart Finsec ranks #607 out of 755 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, Smart Finsec has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Smart Finsec's PS Ratio compare to MS and GS?
According to the Capital Markets industry distribution chart, Smart Finsec ranks #607 out of 755 companies for PS Ratio. This places Smart Finsec in the lower half of its industry. The industry median PS Ratio is 4.13. Smart Finsec's value of 13.03 is 215.5% above this benchmark. Historically, Smart Finsec's own PS Ratio has ranged from 0.37 to 26.59 over the past decade. While the company's 10-year median is 1.72 vs. the industry median of 4.13, 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 PS Ratio for a Capital Markets company?
The median PS Ratio among Capital Markets companies is 4.13, based on 755 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Smart Finsec's current PS Ratio of 13.03 is 215.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Smart Finsec and its competitors. For the Capital Markets industry, the median PS Ratio is 4.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Smart Finsec's current PS Ratio is 13.03, which is 658% above median its own 10-year median of 1.72. 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 ₹6.68, compared to a current price of ₹8.25 — trading 23.5% above its estimated fair value. The current PS Ratio is 13.03, which is 658% above median its 10-year median of 1.72 and 215.5% above the Capital Markets industry median of 4.13. Smart Finsec's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Smart Finsec (BOM:539494), the current PS Ratio is 13.03 as of Aug. 12, 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 ₹8.25 is trading 23.5% above its estimated GF Value™ of ₹6.68.
GuruFocus considers Smart Finsec to be Modestly Overvalued.
Key valuation signals for BOM:539494:
PS Ratio: 13.03 (658% above median its 10-year median of 1.72)
GF Value™: ₹6.68 vs. price of ₹8.25 (23.5% above fair value)
Industry Position: 215.5% above the Capital Markets median (#607 of 755)
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.
73GF Score
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