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RATING

RECOMMENDATION

Strong Sell

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RATING

RECOMMENDATION

Strong Sell

Business Type

Traditional Business

  • SMILE MICROFINANCE Growth

SMILE MICROFINANCE Revenue Growth

An increase in the total income of the company can be seen which is primarily due to increase in the interest income of the company. During the year, the company has expanded to 4 new states and increased their branches from 105 to 137.

SMILE MICROFINANCE Net Profit Growth(PAT)

A significant fall in company's profit can be seen, the fall is primarily due increase in number of branches from 105 to 137 and the company's expansion of branch network to new states and expenses incurred by the company to update their digital infrastructure. It is expected that the company will increase its profitability in future.

SMILE MICROFINANCE EPS Growth

A decrease in assets of the company can be seen which is primarily due to by sale of commissioned assets during the year.


  • SMILE MICROFINANCE Book Value Growth

Growth in %

  • 14.51%

    1 Year

  • 17.17%

    2 Year

  • 16.19%

    3 Year

SMILE MICROFINANCE Cash Flow from Operations

Growth in %

  • 22.03%

    1 Year

  • NA

    3 Year

  • NA

    4 Year

  • SMILE MICROFINANCE Solvency Ratios

SMILE MICROFINANCE D/E Ratio

A marginal decrease in debt to equity ratio can seen. A debt to equity ratio of 3.6x suggests that the company has a moderate to high risk of debt.

SMILE MICROFINANCE Interest Coverage Ratio

The interest coverage ratio of the company has significantly decreased due to fall in profit after tax of the company. However, interest coverage ratio 15.6x suggest the company has a strong solvancy position.

  • SMILE MICROFINANCE Operating Efficiency

A  fall in company's margins can be seen, the fall is primarily due increase in number of branches from 105 to 137, the company's expansion of branch network to new states and expenses incurred by the company to update their digital infrastructure. It is expected that the company will improve its margins in future.

  • SMILE MICROFINANCE Profitablity Ratio

A significant fall in company's profitability can be seen, the fall is primarily due increase in number of branches from 105 to 137 and the company's expansion of branch network to new states and expenses incurred by the company to update their digital infrastructure. It is expected that the company will increase its profitability in future.

  • SMILE MICROFINANCE Valuation Ratios

  • SMILE MICROFINANCE NBFC's Ratios

SMILE MICROFINANCE Capital Adequecy Ratio

A marginal fall in capital adequacy ratio of the company can be seen. A capital adequecy ratio of 23.6% is above the required 15.0% of aggregate risk weighted assets.