Smart Finsec (BOM:539494) 5-Year Yield-on-Cost %: 0.00 (As of Sep. 14, 2026)

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Vera Yuan
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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.
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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
73 GF Score
Price ₹8.06
GF Value ₹8.96
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Smart Finsec 5-Year Yield-on-Cost %?

Smart Finsec BOM:539494 -0.62% 73 5-Year Yield-on-Cost % is 0.00 as of Sep. 14, 2026. GuruFocus rates BOM:539494 with a GF Score™ of 73/100 and a GF Value™ of ₹8.96 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 367 Capital Markets companies, Smart Finsec ranks worse than 272479.29% on this metric.

Smart Finsec's yield on cost for the quarter that ended in Jun. 2026 was 0.00.


The historical rank and industry rank for Smart Finsec's 5-Year Yield-on-Cost % or its related term are showing as below:



BOM:539494's 5-Year Yield-on-Cost % is not ranked *
in the Capital Markets industry.
Industry Median: 3.4
* Ranked among companies with meaningful 5-Year Yield-on-Cost % only.

Smart Finsec  (BOM:539494) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


Smart Finsec 5-Year Yield-on-Cost % Related Terms


BOM:539494 vs MS, GS, SCHW: 5-Year Yield-on-Cost % Comparison

For the Capital Markets subindustry, Smart Finsec's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Smart Finsec's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where Smart Finsec's 5-Year Yield-on-Cost % falls into.


BOM:539494
73GF Score
Smart Finsec Ltd BOM:539494
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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Smart Finsec 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of Smart Finsec is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 0.00 mean?
Smart Finsec (BOM:539494) has a 5-Year Yield-on-Cost % of 0.00 as of Sep. 14, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Smart Finsec and its competitors. According to the industry distribution chart, Smart Finsec ranks #999999 out of 367 companies in the Capital Markets industry.
Is Smart Finsec's 5-Year Yield-on-Cost % too high?
Smart Finsec's current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, Smart Finsec ranks #999999 out of 367 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 Undervalued, reflecting its overall financial health beyond just this single metric.
How does Smart Finsec's 5-Year Yield-on-Cost % compare to MS and GS?
According to the Capital Markets industry distribution chart, Smart Finsec ranks #999999 out of 367 companies for 5-Year Yield-on-Cost %. This places Smart Finsec in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Capital Markets company?
The median 5-Year Yield-on-Cost % among Capital Markets companies is 3.40, based on 367 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Smart Finsec and its competitors. For the Capital Markets industry, the median 5-Year Yield-on-Cost % is 3.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Smart Finsec's current 5-Year Yield-on-Cost % is 0.00. 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 Undervalued. The stock's GF Value™ is ₹8.96, compared to a current price of ₹8.06 — trading 10% below its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Smart Finsec (BOM:539494), the current 5-Year Yield-on-Cost % is 0.00 as of Sep. 14, 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 undervalued. The current stock price of ₹8.06 is trading 10% below its estimated GF Value™ of ₹8.96. GuruFocus considers Smart Finsec to be Modestly Undervalued.

Key valuation signals for BOM:539494:

  • 5-Year Yield-on-Cost %: 0.00
  • GF Value™: ₹8.96 vs. price of ₹8.06 (10% below fair value)
  • GF Score™: 73/100 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.
73GF Score

Get the complete analysis for BOM:539494

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹8.06
Price
₹8.96
GF Value