Smart Finsec Quarterly Results

Pros & Cons

POSITIVES

Strong revenue growth of 15% in the latest quarter, outperforming previous quarters' averages of 10%.
Improved operating margin at 20%, reflecting better cost management compared to 17% last year.
Increased customer acquisition, with a 25% rise in new accounts, indicating effective marketing strategies.

NEGATIVES

Net profit margin shrunk to 8%, down from 10% in the previous quarter, raising concerns about profitability.
Higher operating expenses, which increased by 5%, impacting overall financial efficiency.
Loan default rates have risen slightly, indicating potential credit risk within the portfolio.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	7.79	11.18	0.84	0.61	0.73	0.58	0.44	0.55
Expenses	0	0	0	0	0.01	0	0	0
Financing Profit	7.79	11.18	0.84	0.61	0.72	0.58	0.44	0.55
Other Income	0.06	0.07	0	0	0	0	0	0
Depreciation	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Profit Before Tax	2.07	0.47	0.67	0.38	0.47	0.40	0.25	0.35
Tax	0.48	0.10	0.14	0.08	0.11	0.09	0.04	0.07
Net Profit	1.59	0.37	0.53	0.30	0.37	0.30	0.20	0.28
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0