Smart Finsec (BOM:539494) ROCE %: 7.90% (As of Mar. 2026)


BOM:539494 Smart Finsec Ltd BOM:539494
67 GF Score
Price ₹8.06
GF Value ₹6.83
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Smart Finsec ROCE %?

Smart Finsec BOM:539494 -3.82% 67 ROCE % is 7.90% as of Mar. 2026. GuruFocus rates BOM:539494 with a GF Score™ of 67/100 and a GF Value™ of ₹6.83 (Modestly Overvalued). The stock has 3 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Smart Finsec's annualized ROCE % for the quarter that ended in Mar. 2026 was 7.90%.

Smart Finsec  (BOM:539494) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Smart Finsec ROCE % Related Terms

Smart Finsec ROCE % Historical Data

* Premium members only.

The historical data trend for Smart Finsec's ROCE % 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.

Smart Finsec ROCE % Chart

Smart Finsec Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.69 13.66 21.99 10.03 8.37

Smart Finsec Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.34 9.02 6.46 9.76 7.90
BOM:539494
67GF Score
Smart Finsec Ltd BOM:539494
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Smart Finsec ROCE % Calculation

Smart Finsec's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=13.579/( ( (157.811 - 0.864) + (168.142 - 0.713) )/ 2 )
=13.579/( (156.947+167.429)/ 2 )
=13.579/162.188
=8.37 %

Smart Finsec's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=13.228/( ( (0 - 0) + (168.142 - 0.713) )/ 1 )
=13.228/( ( 0 + 167.429 )/ 1 )
=13.228/167.429
=7.90 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

* 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 7.90% mean?
Smart Finsec (BOM:539494) has a ROCE % of 7.90% as of Mar. 2026.
Is Smart Finsec's ROCE % too high?
Smart Finsec's current ROCE % is 7.90%. The Capital Markets industry median ROCE % is 5.67. Smart Finsec's value of 7.90% is 39.3% above this industry median. 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 ROCE % compare to MS and GS?
Smart Finsec's ROCE % of 7.90% can be compared against companies in the Capital Markets industry. The industry median ROCE % is 5.67. Smart Finsec's value of 7.90% is 39.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Capital Markets company?
The median ROCE % among Capital Markets companies is 5.67, based on 692 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Smart Finsec's current ROCE % of 7.90% is 39.3% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Capital Markets industry, the median ROCE % is 5.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Smart Finsec's current ROCE % is 7.90%. 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 ₹6.83, compared to a current price of ₹8.06 — trading 18% above its estimated fair value. The current ROCE % is 7.90% and 39.3% above the Capital Markets industry median of 5.67. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Smart Finsec (BOM:539494), the current ROCE % is 7.90% 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 ₹8.06 is trading 18% above its estimated GF Value™ of ₹6.83. GuruFocus considers Smart Finsec to be Modestly Overvalued.

Key valuation signals for BOM:539494:

  • ROCE %: 7.90%
  • GF Value™: ₹6.83 vs. price of ₹8.06 (18% above fair value)
  • GF Score™: 67/100 with 3 warning signs
  • Industry Position: 39.3% above the Capital Markets median

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.
67GF Score

Get the complete analysis for BOM:539494

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹8.06
Price
₹6.83
GF Value