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SMC Credits ltd.

Financial Services · Finance

BSE: 532138

Peers in Finance

The largest companies in the same industry by market cap. PE, ROE, 1Y return and scores come from the daily/weekly precomputed snapshot.

CompanyMarket cap (₹ Cr)PE (TTM)ROE1Y returnDiv. yieldQualityValuationMomentum
Bajaj Finance Limited 603,918 — 16.5% -3.9% — 58 18 28
Bajaj Finserv Limited 280,320 — 14.0% -13.9% — 28 81 25
Shriram Finance Limited 228,562 — 15.2% 44.7% — 48 50 29
Jio Financial Services Limited 139,987 — 1.2% -30.8% 0.28% 4 99 9
Cholamandalam Investment and Finance Company Limited 136,874 — 17.2% -1.8% — 50 29 25
Tata Capital Limited 134,817 — — — — — 61 28
Bajaj Holdings & Investment Limited 119,440 — 11.9% -9.1% 1.35% 80 91 31
Muthoot Finance Limited 109,055 — 26.7% -15.8% 1.10% 71 65 13

Valuation multiples

Current only. Market cap is the whole company's; sales/EBITDA are trailing-twelve-month standalone; debt and cash come from the latest filed standalone balance sheet. EBITDA = PBT + interest + depreciation.

Enterprise value
Data unavailable.
EV / EBITDA
Data unavailable.
EV / Sales
Data unavailable.
Market cap / Sales
Data unavailable.
Earnings yield
Data unavailable.

Quarterly Financials

↑ Positive
Quarterly Revenue

Dec 2019 quarterly revenue is Rs 1 Cr, up 45.8% YoY.

↓ Negative
Quarterly Net Profit

Dec 2019 quarterly net profit is Rs 0 Cr, down 109.4% YoY.

Period endRevenue (₹ Cr)PBT (₹ Cr)Net profit (₹ Cr)Basic EPS
Dec. 31, 2019 1 0 0 ₹77.0700
Sept. 30, 2019 2 2 2 ₹-33.2500
June 30, 2019 1 0 0 ₹-37.6600
March 31, 2019 0 -0 -0 ₹
Dec. 31, 2018 1 -0 -0 ₹-0.1300
Sept. 30, 2018 2 2 2 ₹
June 30, 2018 0 0 0 ₹
March 31, 2018 -0 0 0 ₹
Dec. 31, 2017 0 0 0 ₹
Sept. 30, 2017 2 2 2 ₹
June 30, 2017 0 0 0 ₹
March 31, 2017 0 0 0 ₹
Dec. 31, 2016 0 0 0 ₹

Quarterly income statement (standalone, ₹ Cr)

IndicatorDec 19Sep 19Jun 19Mar 19Dec 18Sep 18Jun 18Mar 18Dec 17Sep 17Jun 17Mar 17Dec 16
Total income (before exceptional items)1311120012000
Operating revenue1210120-002000
Other income0000000000000
Operating expenses100——————————
Operating profit120——————————
Operating profit margin52.3%94.9%80.7%——————————
Depreciation000000—000000
Interest111——————————
Exceptional items, gain / (loss)—————————————
Profit before tax020-0-020002000
Tax000-0000000000
Net profit020-0-020002000
EPS77.07-33.25-37.66—-0.13————————
Net profit (TTM)2222233332222
EPS (TTM)—————————————

Total income excludes exceptional items, which are shown on their own row. Trendlyne and Screener fold exceptional items into revenue or other income, so their totals differ from this table by exactly that row.

Annual Financials

Annual income statement (standalone, ₹ Cr; CAGR to the latest year)

IndicatorCAGR 3YCAGR 5YMar 19Mar 18Mar 17Mar 14Mar 13Mar 12
Total income (before exceptional items) — 19.4% 4†3†—2†2†2†
Operating revenue — 29.6% 3†2†—1†1†1†
Other income — — 1†1†1†1†1†1†
Operating expenses — — ——————
Operating profit — — ——————
Operating profit margin — — ——————
Depreciation — — —0†0†0†0†0†
Interest — — ——————
Exceptional items, gain / (loss) — — 0†0†0†0†0†0†
Profit before tax — 5.8% 2†3†3†2†1†1†
Tax — — 0†0†0†0†—0†
Net profit — 7.5% 2†3†2†1†1†1†
EPS — — ——————

† Derived: the sum of that fiscal year's four quarterly filings (a real annual filing is used wherever one exists). Checked against filed annual figures, the sum lands within 0.5% for about 94% of company-years.

Annual ratios (standalone)

RatioMar 19Mar 18Mar 17Mar 14Mar 13Mar 12
Operating margin——————
EBIT margin——————
PBT margin63.3%†123.9%†—174.9%†189.5%†187.2%†
Net margin60.6%†111.7%†—154.3%†168.6%†161.1%†
Interest coverage——————
Dividend payout——————
Earnings retention——————
Current ratio——————
Quick ratio——————
Debt to equity——————
Return on equity——————
Return on assets——————
Return on capital employed——————
Asset turnover——————

Margins and asset turnover use operating revenue (interest earned for banks, excluding other income), not total income. Liquidity, leverage and return ratios need a filed standalone balance sheet, which exists only for recent years; returns use year-end equity/assets. Dividend payout is shown only for companies with a dividend record. † = built from a summed fiscal year.

Revenue Mix

Data unavailable.

Cash Flow

Year endedOperating (₹ Cr)Investing (₹ Cr)Financing (₹ Cr)Capex (₹ Cr)Free Cash Flow (₹ Cr)
March 31, 2026 0 3 0 1 -0
March 31, 2025 23 -25 0 0 23

Balance Sheet (standalone)

Year endedTotal Assets (₹ Cr)Total Equity (₹ Cr)Reserves (₹ Cr)Borrowings, Current (₹ Cr)Borrowings, Non-current (₹ Cr)Current Assets (₹ Cr)Current Liabilities (₹ Cr)Cash & Equivalents (₹ Cr)Net Block (₹ Cr)Inventory (₹ Cr)
March 31, 2026 1,164 1,153 1,128 — — — — 3 1 0
March 31, 2025 1,261 1,242 1,217 — — — — 0 2 0

Financial charts

Trend charts drawn from the standalone income-statement and ratio tables above (oldest year on the left); a gap means that period has no figure. Annual years marked † in the tables are derived from four quarters.