Share Price and Basic Stock Data
Last Updated: December 23, 2025, 10:26 am
| PEG Ratio | 0.65 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Emerald Finance Ltd, operating as a Non-Banking Financial Company (NBFC), has shown a noteworthy trajectory in its revenue growth over the past few years. From a modest ₹1 Cr in sales for FY 2015, the company recorded ₹12 Cr in FY 2023, with the latest trailing twelve months (TTM) figure reaching ₹24 Cr. This impressive growth reflects the company’s ability to capture market opportunities, particularly in a sector that is often challenged by competition and regulatory changes. The quarter-on-quarter sales progression also illustrates this momentum, with the most recent quarter (Jun 2025) posting sales of ₹6.71 Cr, up from ₹3.87 Cr in Mar 2023. Such consistent revenue growth paints a positive picture for investors, highlighting Emerald’s capability to scale its operations effectively and adapt to evolving market conditions.
Profitability and Efficiency Metrics
Emerald Finance’s profitability metrics are equally compelling, with a reported operating profit margin (OPM) of 73.32% in Jun 2025, suggesting that the company is managing its operational costs efficiently while generating substantial earnings from its sales. The net profit margin also reflects strong performance, standing at 41.20% for FY 2025. This level of profitability is indicative of a well-managed business model, particularly in the financial services sector, where margins can often be thinner. Additionally, the interest coverage ratio of 5.20x demonstrates that the company comfortably meets its interest obligations, further enhancing its appeal as a low-risk investment. However, one must also consider the declining trend in operational profit margins from 70.00% in Sep 2024 to 73.32% in Jun 2025, suggesting potential pressures that may arise from increasing costs or competitive pricing strategies.
Balance Sheet Strength and Financial Ratios
The financial health of Emerald Finance is underscored by its balance sheet, which reveals a strong reserve position of ₹56 Cr against borrowings of just ₹15 Cr. This conservative leverage ratio indicates prudent financial management, with a total debt-to-equity ratio of 0.18x, which is well below industry norms, suggesting less reliance on debt for growth. The company’s return on equity (ROE) of 13.8% and return on capital employed (ROCE) of 18.4% reflect effective capital utilization and shareholder value creation. Moreover, the book value per share has risen significantly to ₹24.47 in FY 2025 from ₹14.69 in FY 2023, illustrating that the company is not just growing its profits, but also increasing the intrinsic value of its shares. However, the high price-to-book ratio of 4.15x indicates that the stock might be viewed as overvalued by some investors, implying that expectations for future performance are already baked into the current market price.
Shareholding Pattern and Investor Confidence
Emerald Finance’s shareholding structure showcases an interesting dynamic that could be pivotal for investor confidence. Promoters hold a substantial 59.50% stake, which suggests a strong alignment of interests between management and shareholders. However, the declining trend in promoter holdings from 67.80% in Dec 2022 to the current level raises questions about insider confidence and potential dilution of control. On the other hand, institutional interest appears limited, with Foreign Institutional Investors (FIIs) holding only 1.74% as of the latest reports. This could imply a lack of broader institutional confidence in the stock, which may deter some retail investors. Nonetheless, the increase in public shareholding from 31.54% in Dec 2022 to 38.76% in Jun 2025 indicates growing retail interest, which could be a positive sign for the company’s future liquidity and market presence.
Outlook, Risks, and Final Insight
Looking ahead, Emerald Finance presents a mixed bag of opportunities and risks. The company’s impressive revenue and profit growth could attract more investors, especially as it continues to demonstrate efficiency in its operations. However, the increasing operational expenses and the declining promoter stake may raise concerns about the sustainability of its current growth rates. Additionally, the limited institutional participation could signal caution in the market, suggesting that investors should remain vigilant. Risks such as regulatory changes in the NBFC sector and potential economic downturns could impact profitability. For retail investors, the current valuation, while reflective of growth, may warrant a careful assessment of the company’s ability to maintain its performance in the face of external pressures. In conclusion, while Emerald Finance shows strong fundamentals, potential investors should weigh these strengths against the underlying risks to make informed decisions.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 14.5 Cr. | 1.45 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.83 Cr. | 0.78 | 8.81/0.76 | 23.0 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 451 Cr. | 61.8 | 134/59.1 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 34.4/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 37.3 Cr. | 83.0 | 163/74.8 | 20.0 | 238 | 1.20 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,669.72 Cr | 454.72 | 54.77 | 522.46 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2.21 | 2.39 | 3.05 | 3.87 | 2.78 | 3.24 | 3.42 | 3.89 | 4.39 | 5.00 | 5.72 | 6.45 | 6.71 |
| Expenses | 1.42 | 1.43 | 1.32 | 1.83 | 1.41 | 1.73 | 1.40 | 1.83 | 1.45 | 1.50 | 1.66 | 1.95 | 1.79 |
| Operating Profit | 0.79 | 0.96 | 1.73 | 2.04 | 1.37 | 1.51 | 2.02 | 2.06 | 2.94 | 3.50 | 4.06 | 4.50 | 4.92 |
| OPM % | 35.75% | 40.17% | 56.72% | 52.71% | 49.28% | 46.60% | 59.06% | 52.96% | 66.97% | 70.00% | 70.98% | 69.77% | 73.32% |
| Other Income | 0.03 | 0.03 | 0.00 | -0.07 | 0.00 | 0.02 | 0.01 | 0.02 | 0.01 | 0.01 | 0.02 | 0.04 | 0.03 |
| Interest | 0.19 | 0.19 | 0.23 | 0.23 | 0.22 | 0.26 | 0.44 | 0.50 | 0.66 | 0.76 | 0.77 | 0.71 | 0.68 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.03 | 0.00 | 0.00 | 0.00 | 0.06 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 |
| Profit before tax | 0.63 | 0.80 | 1.50 | 1.71 | 1.15 | 1.27 | 1.59 | 1.52 | 2.29 | 2.75 | 3.31 | 3.75 | 4.27 |
| Tax % | 25.40% | 28.75% | 25.33% | 26.32% | 25.22% | 25.20% | 25.79% | 25.00% | 25.33% | 25.09% | 25.08% | 29.33% | 25.06% |
| Net Profit | 0.47 | 0.57 | 1.12 | 1.25 | 0.86 | 0.95 | 1.19 | 1.13 | 1.71 | 2.06 | 2.48 | 2.65 | 3.19 |
| EPS in Rs | 0.16 | 0.20 | 0.37 | 0.41 | 0.29 | 0.32 | 0.39 | 0.37 | 0.57 | 0.63 | 0.73 | 0.77 | 0.92 |
Last Updated: July 16, 2025, 10:03 am
Below is a detailed analysis of the quarterly data for Emerald Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 6.71 Cr.. The value appears strong and on an upward trend. It has increased from 6.45 Cr. (Mar 2025) to 6.71 Cr., marking an increase of 0.26 Cr..
- For Expenses, as of Jun 2025, the value is 1.79 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1.95 Cr. (Mar 2025) to 1.79 Cr., marking a decrease of 0.16 Cr..
- For Operating Profit, as of Jun 2025, the value is 4.92 Cr.. The value appears strong and on an upward trend. It has increased from 4.50 Cr. (Mar 2025) to 4.92 Cr., marking an increase of 0.42 Cr..
- For OPM %, as of Jun 2025, the value is 73.32%. The value appears strong and on an upward trend. It has increased from 69.77% (Mar 2025) to 73.32%, marking an increase of 3.55%.
- For Other Income, as of Jun 2025, the value is 0.03 Cr.. The value appears to be declining and may need further review. It has decreased from 0.04 Cr. (Mar 2025) to 0.03 Cr., marking a decrease of 0.01 Cr..
- For Interest, as of Jun 2025, the value is 0.68 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.71 Cr. (Mar 2025) to 0.68 Cr., marking a decrease of 0.03 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.08 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.08 Cr..
- For Profit before tax, as of Jun 2025, the value is 4.27 Cr.. The value appears strong and on an upward trend. It has increased from 3.75 Cr. (Mar 2025) to 4.27 Cr., marking an increase of 0.52 Cr..
- For Tax %, as of Jun 2025, the value is 25.06%. The value appears to be improving (decreasing) as expected. It has decreased from 29.33% (Mar 2025) to 25.06%, marking a decrease of 4.27%.
- For Net Profit, as of Jun 2025, the value is 3.19 Cr.. The value appears strong and on an upward trend. It has increased from 2.65 Cr. (Mar 2025) to 3.19 Cr., marking an increase of 0.54 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.92. The value appears strong and on an upward trend. It has increased from 0.77 (Mar 2025) to 0.92, marking an increase of 0.15.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:47 am
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1 | 1 | 2 | 4 | 7 | 8 | 5 | 8 | 12 | 13 | 22 | 26 |
| Expenses | 1 | 1 | 1 | 4 | 5 | 6 | 3 | 5 | 6 | 6 | 6 | 7 |
| Operating Profit | 0 | 0 | 0 | 1 | 2 | 2 | 2 | 4 | 6 | 7 | 15 | 19 |
| OPM % | 16% | 21% | 17% | 20% | 27% | 27% | 44% | 47% | 49% | 53% | 70% | 73% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | -0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 3 | 3 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 0 | 0 | 0 | 1 | 2 | 2 | 2 | 3 | 5 | 6 | 12 | 16 |
| Tax % | 29% | 31% | 29% | 26% | 28% | 21% | 26% | 26% | 25% | 26% | 25% | |
| Net Profit | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 3 | 4 | 9 | 12 |
| EPS in Rs | 0.03 | 0.03 | 0.07 | 0.19 | 0.41 | 0.44 | 0.48 | 0.85 | 1.15 | 1.37 | 2.62 | 3.46 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 18% | 6% | 12% | 9% | 7% | 6% |
YoY Net Profit Growth
| Year | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 0.00% | 0.00% | 0.00% | 100.00% | 50.00% | 33.33% | 125.00% |
| Change in YoY Net Profit Growth (%) | 0.00% | 0.00% | 0.00% | 100.00% | -50.00% | -16.67% | 91.67% |
Emerald Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2018-2019 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 38% |
| 5 Years: | 22% |
| 3 Years: | 37% |
| TTM: | 60% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 58% |
| 5 Years: | 47% |
| 3 Years: | 53% |
| TTM: | 108% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 26% |
| 5 Years: | 58% |
| 3 Years: | 56% |
| 1 Year: | 1% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 11% |
| 3 Years: | 11% |
| Last Year: | 14% |
Last Updated: September 5, 2025, 3:21 pm
Balance Sheet
Last Updated: December 4, 2025, 2:49 am
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3 | 3 | 3 | 3 | 9 | 9 | 9 | 29 | 30 | 30 | 35 | 35 |
| Reserves | 0 | 0 | 1 | 2 | 5 | 6 | 7 | 9 | 13 | 17 | 50 | 56 |
| Borrowings | 0 | 0 | 0 | 1 | 1 | 3 | 3 | 5 | 5 | 15 | 16 | 15 |
| Other Liabilities | 0 | 0 | 1 | 1 | 1 | 2 | 4 | 3 | 3 | 3 | 6 | 8 |
| Total Liabilities | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 46 | 52 | 65 | 106 | 114 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 45 | 51 | 64 | 105 | 113 |
| Total Assets | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 46 | 52 | 65 | 106 | 114 |
Below is a detailed analysis of the balance sheet data for Emerald Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 35.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 35.00 Cr..
- For Reserves, as of Sep 2025, the value is 56.00 Cr.. The value appears strong and on an upward trend. It has increased from 50.00 Cr. (Mar 2025) to 56.00 Cr., marking an increase of 6.00 Cr..
- For Borrowings, as of Sep 2025, the value is 15.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 16.00 Cr. (Mar 2025) to 15.00 Cr., marking a decrease of 1.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 8.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6.00 Cr. (Mar 2025) to 8.00 Cr., marking an increase of 2.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 114.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 106.00 Cr. (Mar 2025) to 114.00 Cr., marking an increase of 8.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Other Assets, as of Sep 2025, the value is 113.00 Cr.. The value appears strong and on an upward trend. It has increased from 105.00 Cr. (Mar 2025) to 113.00 Cr., marking an increase of 8.00 Cr..
- For Total Assets, as of Sep 2025, the value is 114.00 Cr.. The value appears strong and on an upward trend. It has increased from 106.00 Cr. (Mar 2025) to 114.00 Cr., marking an increase of 8.00 Cr..
Notably, the Reserves (56.00 Cr.) exceed the Borrowings (15.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | -1.00 | -1.00 | -1.00 | 1.00 | -8.00 | -1.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 78 | 152 | 68 | 103 | 68 | 43 | 29 | 30 | 22 | 45 | 36 |
| Inventory Days | |||||||||||
| Days Payable | |||||||||||
| Cash Conversion Cycle | 78 | 152 | 68 | 103 | 68 | 43 | 29 | 30 | 22 | 45 | 36 |
| Working Capital Days | 1,054 | 1,517 | 823 | 376 | 582 | 754 | 1,013 | 202 | -4 | 104 | 44 |
| ROCE % | 5% | 7% | 16% | 17% | 13% | 13% | 13% | 12% | 13% | 18% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 2.57 | 1.37 | 1.15 | 0.85 | 1.54 |
| Diluted EPS (Rs.) | 2.57 | 1.37 | 1.15 | 0.85 | 1.54 |
| Cash EPS (Rs.) | 2.60 | 1.39 | 1.15 | 0.86 | 1.58 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 24.47 | 15.55 | 14.69 | 13.23 | 18.05 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 24.47 | 15.55 | 14.69 | 13.23 | 18.05 |
| Revenue From Operations / Share (Rs.) | 6.25 | 4.42 | 3.82 | 2.91 | 6.01 |
| PBDIT / Share (Rs.) | 4.36 | 2.34 | 1.86 | 1.35 | 2.56 |
| PBIT / Share (Rs.) | 4.34 | 2.32 | 1.85 | 1.34 | 2.52 |
| PBT / Share (Rs.) | 3.50 | 1.85 | 1.54 | 1.15 | 2.09 |
| Net Profit / Share (Rs.) | 2.57 | 1.37 | 1.15 | 0.85 | 1.54 |
| NP After MI And SOA / Share (Rs.) | 2.57 | 1.37 | 1.15 | 0.85 | 1.54 |
| PBDIT Margin (%) | 69.83 | 53.01 | 48.66 | 46.42 | 42.55 |
| PBIT Margin (%) | 69.47 | 52.54 | 48.42 | 45.98 | 41.93 |
| PBT Margin (%) | 56.04 | 41.87 | 40.37 | 39.55 | 34.77 |
| Net Profit Margin (%) | 41.20 | 31.05 | 29.99 | 29.24 | 25.62 |
| NP After MI And SOA Margin (%) | 41.20 | 31.05 | 29.99 | 29.24 | 25.62 |
| Return on Networth / Equity (%) | 10.51 | 8.82 | 7.94 | 6.53 | 8.75 |
| Return on Capital Employeed (%) | 16.73 | 10.79 | 11.64 | 8.98 | 11.83 |
| Return On Assets (%) | 8.40 | 6.37 | 6.53 | 5.39 | 6.15 |
| Long Term Debt / Equity (X) | 0.00 | 0.30 | 0.04 | 0.12 | 0.16 |
| Total Debt / Equity (X) | 0.18 | 0.30 | 0.14 | 0.12 | 0.16 |
| Asset Turnover Ratio (%) | 0.25 | 0.22 | 0.12 | 0.13 | 0.14 |
| Current Ratio (X) | 6.51 | 0.00 | 10.41 | 17.76 | 6.68 |
| Quick Ratio (X) | 6.51 | 0.00 | 10.41 | 17.76 | 6.68 |
| Dividend Payout Ratio (NP) (%) | 5.96 | 7.28 | 8.41 | 11.73 | 20.19 |
| Dividend Payout Ratio (CP) (%) | 5.91 | 7.17 | 8.34 | 11.55 | 19.70 |
| Earning Retention Ratio (%) | 94.04 | 92.72 | 91.59 | 88.27 | 79.81 |
| Cash Earning Retention Ratio (%) | 94.09 | 92.83 | 91.66 | 88.45 | 80.30 |
| Interest Coverage Ratio (X) | 5.20 | 4.97 | 6.68 | 7.67 | 5.95 |
| Interest Coverage Ratio (Post Tax) (X) | 4.12 | 3.91 | 5.23 | 5.90 | 4.58 |
| Enterprise Value (Cr.) | 350.30 | 123.02 | 71.45 | 51.22 | 9.76 |
| EV / Net Operating Revenue (X) | 16.24 | 9.23 | 6.21 | 6.05 | 1.79 |
| EV / EBITDA (X) | 23.25 | 17.41 | 12.75 | 13.04 | 4.21 |
| MarketCap / Net Operating Revenue (X) | 16.26 | 8.29 | 6.16 | 5.65 | 2.07 |
| Retention Ratios (%) | 94.03 | 92.71 | 91.58 | 88.26 | 79.80 |
| Price / BV (X) | 4.15 | 2.36 | 1.63 | 1.26 | 0.70 |
| Price / Net Operating Revenue (X) | 16.26 | 8.29 | 6.16 | 5.65 | 2.07 |
| EarningsYield | 0.02 | 0.03 | 0.04 | 0.05 | 0.12 |
After reviewing the key financial ratios for Emerald Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 2.57. This value is below the healthy minimum of 5. It has increased from 1.37 (Mar 24) to 2.57, marking an increase of 1.20.
- For Diluted EPS (Rs.), as of Mar 25, the value is 2.57. This value is below the healthy minimum of 5. It has increased from 1.37 (Mar 24) to 2.57, marking an increase of 1.20.
- For Cash EPS (Rs.), as of Mar 25, the value is 2.60. This value is below the healthy minimum of 3. It has increased from 1.39 (Mar 24) to 2.60, marking an increase of 1.21.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 24.47. It has increased from 15.55 (Mar 24) to 24.47, marking an increase of 8.92.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 24.47. It has increased from 15.55 (Mar 24) to 24.47, marking an increase of 8.92.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 6.25. It has increased from 4.42 (Mar 24) to 6.25, marking an increase of 1.83.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 4.36. This value is within the healthy range. It has increased from 2.34 (Mar 24) to 4.36, marking an increase of 2.02.
- For PBIT / Share (Rs.), as of Mar 25, the value is 4.34. This value is within the healthy range. It has increased from 2.32 (Mar 24) to 4.34, marking an increase of 2.02.
- For PBT / Share (Rs.), as of Mar 25, the value is 3.50. This value is within the healthy range. It has increased from 1.85 (Mar 24) to 3.50, marking an increase of 1.65.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 2.57. This value is within the healthy range. It has increased from 1.37 (Mar 24) to 2.57, marking an increase of 1.20.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 2.57. This value is within the healthy range. It has increased from 1.37 (Mar 24) to 2.57, marking an increase of 1.20.
- For PBDIT Margin (%), as of Mar 25, the value is 69.83. This value is within the healthy range. It has increased from 53.01 (Mar 24) to 69.83, marking an increase of 16.82.
- For PBIT Margin (%), as of Mar 25, the value is 69.47. This value exceeds the healthy maximum of 20. It has increased from 52.54 (Mar 24) to 69.47, marking an increase of 16.93.
- For PBT Margin (%), as of Mar 25, the value is 56.04. This value is within the healthy range. It has increased from 41.87 (Mar 24) to 56.04, marking an increase of 14.17.
- For Net Profit Margin (%), as of Mar 25, the value is 41.20. This value exceeds the healthy maximum of 10. It has increased from 31.05 (Mar 24) to 41.20, marking an increase of 10.15.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 41.20. This value exceeds the healthy maximum of 20. It has increased from 31.05 (Mar 24) to 41.20, marking an increase of 10.15.
- For Return on Networth / Equity (%), as of Mar 25, the value is 10.51. This value is below the healthy minimum of 15. It has increased from 8.82 (Mar 24) to 10.51, marking an increase of 1.69.
- For Return on Capital Employeed (%), as of Mar 25, the value is 16.73. This value is within the healthy range. It has increased from 10.79 (Mar 24) to 16.73, marking an increase of 5.94.
- For Return On Assets (%), as of Mar 25, the value is 8.40. This value is within the healthy range. It has increased from 6.37 (Mar 24) to 8.40, marking an increase of 2.03.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.30 (Mar 24) to 0.00, marking a decrease of 0.30.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.18. This value is within the healthy range. It has decreased from 0.30 (Mar 24) to 0.18, marking a decrease of 0.12.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.25. It has increased from 0.22 (Mar 24) to 0.25, marking an increase of 0.03.
- For Current Ratio (X), as of Mar 25, the value is 6.51. This value exceeds the healthy maximum of 3. It has increased from 0.00 (Mar 24) to 6.51, marking an increase of 6.51.
- For Quick Ratio (X), as of Mar 25, the value is 6.51. This value exceeds the healthy maximum of 2. It has increased from 0.00 (Mar 24) to 6.51, marking an increase of 6.51.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 5.96. This value is below the healthy minimum of 20. It has decreased from 7.28 (Mar 24) to 5.96, marking a decrease of 1.32.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 5.91. This value is below the healthy minimum of 20. It has decreased from 7.17 (Mar 24) to 5.91, marking a decrease of 1.26.
- For Earning Retention Ratio (%), as of Mar 25, the value is 94.04. This value exceeds the healthy maximum of 70. It has increased from 92.72 (Mar 24) to 94.04, marking an increase of 1.32.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 94.09. This value exceeds the healthy maximum of 70. It has increased from 92.83 (Mar 24) to 94.09, marking an increase of 1.26.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 5.20. This value is within the healthy range. It has increased from 4.97 (Mar 24) to 5.20, marking an increase of 0.23.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 4.12. This value is within the healthy range. It has increased from 3.91 (Mar 24) to 4.12, marking an increase of 0.21.
- For Enterprise Value (Cr.), as of Mar 25, the value is 350.30. It has increased from 123.02 (Mar 24) to 350.30, marking an increase of 227.28.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 16.24. This value exceeds the healthy maximum of 3. It has increased from 9.23 (Mar 24) to 16.24, marking an increase of 7.01.
- For EV / EBITDA (X), as of Mar 25, the value is 23.25. This value exceeds the healthy maximum of 15. It has increased from 17.41 (Mar 24) to 23.25, marking an increase of 5.84.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 16.26. This value exceeds the healthy maximum of 3. It has increased from 8.29 (Mar 24) to 16.26, marking an increase of 7.97.
- For Retention Ratios (%), as of Mar 25, the value is 94.03. This value exceeds the healthy maximum of 70. It has increased from 92.71 (Mar 24) to 94.03, marking an increase of 1.32.
- For Price / BV (X), as of Mar 25, the value is 4.15. This value exceeds the healthy maximum of 3. It has increased from 2.36 (Mar 24) to 4.15, marking an increase of 1.79.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 16.26. This value exceeds the healthy maximum of 3. It has increased from 8.29 (Mar 24) to 16.26, marking an increase of 7.97.
- For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.03 (Mar 24) to 0.02, marking a decrease of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Emerald Finance Ltd:
- Net Profit Margin: 41.2%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 16.73% (Industry Average ROCE: 15.8%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 10.51% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 4.12
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 6.51
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 21.1 (Industry average Stock P/E: 54.77)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0.18
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 41.2%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | SCO 7, First Floor, Chandigarh Chandigarh 160002 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sanjay Aggarwal | Managing Director |
| Mrs. Anubha Aggarwal | Non Executive Director |
| Mr. Manjeet Kaushik | Independent Director |
| Mr. Akshay Kumar Agarwal | Independent Director |
FAQ
What is the intrinsic value of Emerald Finance Ltd?
Emerald Finance Ltd's intrinsic value (as of 23 December 2025) is 61.39 which is 15.67% lower the current market price of 72.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 251 Cr. market cap, FY2025-2026 high/low of 168/70.0, reserves of ₹56 Cr, and liabilities of 114 Cr.
What is the Market Cap of Emerald Finance Ltd?
The Market Cap of Emerald Finance Ltd is 251 Cr..
What is the current Stock Price of Emerald Finance Ltd as on 23 December 2025?
The current stock price of Emerald Finance Ltd as on 23 December 2025 is 72.8.
What is the High / Low of Emerald Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Emerald Finance Ltd stocks is 168/70.0.
What is the Stock P/E of Emerald Finance Ltd?
The Stock P/E of Emerald Finance Ltd is 21.1.
What is the Book Value of Emerald Finance Ltd?
The Book Value of Emerald Finance Ltd is 26.3.
What is the Dividend Yield of Emerald Finance Ltd?
The Dividend Yield of Emerald Finance Ltd is 0.21 %.
What is the ROCE of Emerald Finance Ltd?
The ROCE of Emerald Finance Ltd is 18.4 %.
What is the ROE of Emerald Finance Ltd?
The ROE of Emerald Finance Ltd is 13.8 %.
What is the Face Value of Emerald Finance Ltd?
The Face Value of Emerald Finance Ltd is 10.0.