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SMC Credits

532138 BSE
Price unavailable

In the Jun 2026 quarter, revenue fell 36.4% year on year to ₹6.66 Cr and net profit fell 77.9% year on year to ₹4.88 Cr (compared with Jun 2025). Promoters held 22.99% of SMC Credits in Sep 2026, unchanged from Jun 2026.

No price data available

Key Fundamentals

MicrocapFinanceFinancial Services
EBITDA
₹40.50 Cr
Return on Equity
2.82%
Debt to Equity
0.01
Book Value
₹387.83
EPS (TTM)
₹6.13

Price-based figures · EPS basis: Standalone · TTM

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

Bajaj Finance
₹925.8526.575,76,430 Cr4.680.66%16.53%10.71%89,874 Cr22,067 Cr
Shriram Finance
₹834.0014.771,96,244 Cr1.760.79%15.18%11.00%51,245 Cr11,318 Cr
Cholamandalam Investment
₹1,557.2022.971,33,033 Cr3.850.14%17.17%9.46%33,147 Cr5,751 Cr
Tata Capital
₹313.0024.321,32,864 Cr2.710.19%10.38%8.56%34,329 Cr5,478 Cr
Muthoot Finance
₹2,445.908.6398,195 Cr2.421.25%26.67%15.43%33,526 Cr11,457 Cr
L&T Finance
₹249.8019.6562,609 Cr2.141.14%10.64%10.11%20,742 Cr3,198 Cr
SBI Cards
₹535.5522.4150,965 Cr2.970.47%13.78%18.31%21,048 Cr2,275 Cr
SMC Credits (this company)
—2.300 Cr0.010.00%2.82%3.48%24 Cr15 Cr
Median 8 companies₹834.0021.031,15,530 Cr2.570.57%14.48%10.41%33,337 Cr5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100. How it works →

No Tapetide Score has been computed for this stock yet.

Key Insights

Strengths

3
  • Company has reduced debt.
  • Company is almost debt free.
  • Company has delivered good profit growth of 48.1% CAGR over last 5 years

Weaknesses

1
  • Company has a low return on equity of 1.42% over last 3 years.

Growth Rate

Revenue Growth
123% higher than 3Y

change over 1 year

Net Income Growth
160% higher than 3Y

change over 1 year

Cash Flow Change
-99.78%

change over 1 year

EBITDA Margin Change
7.5%

change over 1 year

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.65
3.35
3.79
0.47
2.02
8
1.99
3.3
10.47
8.8
4.22
1.95
6.66
Expenses
0.15
0.33
0.36
0.4
0.32
0.99
0.3
0.55
0.25
0.36
0.53
0.84
0.47
Financing Profit
0.11
2.64
3.08
-0.28
1.36
6.63
1.43
2.5
10.02
8.35
3.59
0.98
6.01
Fin. Margin %
16.92%
78.81%
81.27%
-59.57%
67.33%
82.88%
71.86%
75.76%
95.7%
94.89%
85.07%
50.26%
90.24%
Other Income
0.2
0.2
0.2
0.2
0.2
0.21
2.1
1.19
15.67
0.42
0.89
0.04
0.51
Interest
0.39
0.38
0.35
0.35
0.34
0.38
0.26
0.25
0.2
0.09
0.1
0.13
0.18
Depreciation
0.01
0
0.01
0.02
0.01
0
0.01
0.02
0.01
0.01
0.01
0.02
0.01
PBT
0.3
2.84
3.27
-0.1
1.55
6.84
3.52
3.67
25.68
8.76
4.47
1
6.51
Tax %
13.33%
26.76%
21.41%
1740%
20.65%
24.56%
22.44%
7.36%
14.06%
-5.14%
4.47%
400%
25.04%
Net Profit
0.27
2.07
2.57
-1.84
1.24
5.16
2.73
3.39
22.07
9.21
4.27
-3
4.88
EPS (₹)
0.11
0.83
1.03
-0.73
0.49
2.06
1.09
1.35
8.81
3.68
1.7
-1.2
1.95
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
4
4
2
2
3
6
4
4
5
8
18
41
22
Expenses
0
0
0
0
1
1
1
0
1
1
2
2
2
Financing Profit
4
4
2
2
1
3
2
2
2
6
15
38
19
Fin. Margin %
93%
93%
81%
86%
47%
46%
49%
56%
42%
67%
81%
94%
88%
Other Income
1
1
1
1
1
1
1
1
10
1
1
2
2
Interest
0
0
0
0
1
2
1
2
2
1
1
1
0
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
5
5
3
3
2
3
3
3
12
6
16
40
21
Tax %
4%
5%
13%
10%
4%
6%
-50%
22%
13%
51%
20%
18%
—
Net Profit
5
5
2
3
2
3
4
3
10
3
13
33
15
EPS (₹)
1.81
1.88
0.9
1.05
0.94
1.27
1.79
1.03
4.08
1.23
5
12.99
6.13
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
10
10
10
10
10
10
10
10
25
25
25
25
Reserves
17
21
24
26
359
248
481
490
947
1,037
1,217
1,128
Borrowing
0
0
0
0
22
26
21
22
21
18
14
8
Other Liabilities
0
0
0
0
0
0
0
0
1
1
5
3
Total Liabilities
27
31
34
36
392
283
512
523
993
1,081
1,261
1,164
Fixed Assets
2
2
2
2
2
2
2
2
2
2
2
1
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
21
21
24
23
354
238
468
474
939
1,043
1,232
1,129
Other Assets
4
8
8
11
36
43
42
46
53
36
28
34
Total Assets
27
31
34
36
392
283
512
523
993
1,081
1,261
1,164
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
3
1
—
0
-1
4
-4
0
2
9
23
0
Investing
-4
-1
—
1
-1
1
-2
1
-9
-17
-25
3
Financing
0
0
—
0
0
0
0
0
15
0
0
0
Net Cash Flow
0
0
—
1
-1
5
-5
1
8
-8
-1
3
Free Cash Flow
3
1
—
0
-1
4
-4
0
12
9
23
1
CFO/OP
87
32
—
25
-17
93
-86
14
97
161
147
10
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
19%
16%
7%
8%
1%
1%
1%
1%
0%
0%
1%
3%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view SMC Credits insights

59 extracted metrics + investor summaries across FY05–FY27.

Shareholding Pattern

Others69.01%Public8.01%Promot.22.99%As ofSep 2026

Documents

Frequently Asked Questions about SMC Credits

What does SMC Credits Ltd do?
SMC Credits is engaged in the business of Non-banking financial activities, duly registered with the Reserve Bank of India. The Company is not accepting public deposits.
Where is SMC Credits Ltd (SMCREDT) listed?
SMC Credits Ltd trades under code 532138 on the BSE.
Which sector does SMC Credits Ltd belong to?
SMC Credits Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the Return on Equity (ROE) of SMC Credits Ltd?
SMC Credits Ltd reported a return on equity of 2.82%. Its debt-to-equity ratio is 0.01.

Company Information

SMC Credits is engaged in the business of Non-banking financial activities, duly registered with the Reserve Bank of India. The Company is not accepting public deposits.

Website smccredits.com
Face Value ₹ 10

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