Share Price and Basic Stock Data
Last Updated: December 2, 2025, 11:48 am
| PEG Ratio | 0.71 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Emerald Finance Ltd, operating within the Non-Banking Financial Company (NBFC) sector, reported a share price of ₹89.2 and a market capitalization of ₹308 Cr. The company has demonstrated a robust revenue trajectory, with sales increasing from ₹8 Cr in FY 2022 to ₹12 Cr in FY 2023, and projected to reach ₹22 Cr in FY 2025. Quarterly sales figures reveal a consistent upward trend, with the most recent reported sales of ₹3.89 Cr in March 2024 and an anticipated ₹4.39 Cr in June 2024. This growth trajectory is indicative of strong market demand for its financial products and services. The operating profit margin (OPM) has shown significant improvements, standing at 73.32% in the latest quarter, reflecting efficient operational management. Additionally, the company’s cash conversion cycle (CCC) of 36 days indicates effective management of working capital, allowing for quicker liquidity and operational efficiency.
Profitability and Efficiency Metrics
Emerald Finance’s profitability metrics showcase its operational effectiveness. The company reported a net profit of ₹12 Cr for FY 2023, with a significant increase projected to ₹22 Cr by FY 2025. The return on equity (ROE) stood at 13.8%, while the return on capital employed (ROCE) was reported at 18.4%, both of which compare favorably against typical sector averages. The interest coverage ratio (ICR) of 5.20x further underscores the company’s ability to meet its interest obligations comfortably. Furthermore, the net profit margin has enhanced to 41.20% in FY 2025, indicating improved cost management and pricing power. These figures suggest that Emerald Finance is not only growing its revenues but is also doing so efficiently, translating into stronger profitability margins.
Balance Sheet Strength and Financial Ratios
The balance sheet of Emerald Finance exhibits strong financial health. The company reported a price-to-book value (P/BV) ratio of 4.15x, indicating that the market values the company significantly higher than its book value, a positive sign of investor sentiment and growth expectations. With no reported borrowings, Emerald Finance maintains a conservative capital structure, with a long-term debt to equity ratio of 0.18, suggesting low financial leverage. The current and quick ratios stand at 25.68, highlighting exceptional liquidity and capacity to cover short-term liabilities. However, the absence of reserves may limit the company’s ability to weather unexpected downturns, presenting a potential risk. Overall, the financial ratios indicate a well-capitalized firm with robust liquidity and minimal debt obligations.
Shareholding Pattern and Investor Confidence
The shareholding structure of Emerald Finance reflects a stable ownership composition, with promoters holding 59.50% of the equity as of March 2025. This promoter stake has gradually decreased from 67.80% in December 2022, indicating a dilution of control yet potentially enhancing liquidity for other investors. Foreign institutional investors (FIIs) accounted for 1.74% of the shareholding, suggesting limited foreign interest, although it rose to 9.36% in December 2024. The public shareholding has increased to 38.76%, which may reflect growing investor confidence in the company’s strategic direction. The number of shareholders rose significantly from 2,509 in December 2022 to 10,989 in March 2025, indicating increased retail interest. This growing base of shareholders is a positive signal of confidence in the company’s future prospects and operational performance.
Outlook, Risks, and Final Insight
Emerald Finance is well-positioned for continued growth, driven by its solid revenue trends and profitability metrics. However, risks remain, particularly due to the absence of reserves which may constrain financial flexibility in adverse conditions. Additionally, a high P/BV ratio may lead to valuation concerns if growth expectations do not materialize. The company’s operational efficiency, reflected in its impressive OPM and CCC, could further enhance its competitive edge in the NBFC sector. Should Emerald Finance maintain its growth trajectory while managing risks effectively, it could continue to attract both retail and institutional investors, fostering a robust market presence. The overall outlook remains cautiously optimistic, contingent on the firm’s ability to sustain operational efficiency and adapt to market dynamics.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Emerald Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 12.1 Cr. | 1.21 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 8.93 Cr. | 0.89 | 9.75/0.85 | 26.3 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 453 Cr. | 139 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.3 Cr. | 15.6 | 35.2/15.0 | 10.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 39.5 Cr. | 87.7 | 180/79.1 | 21.1 | 238 | 1.14 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 30,495.97 Cr | 464.19 | 56.17 | 522.84 | 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: November 15, 2025, 3:25 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
No data available for the Balance Sheet data table.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
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 (%) | 14.74 | 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) | 0.18 | 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) | 25.68 | 0.00 | 10.41 | 17.76 | 6.68 |
| Quick Ratio (X) | 25.68 | 0.00 | 10.41 | 17.76 | 6.68 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 7.28 | 8.41 | 11.73 | 20.19 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 7.17 | 8.34 | 11.55 | 19.70 |
| Earning Retention Ratio (%) | 0.00 | 92.72 | 91.59 | 88.27 | 79.81 |
| Cash Earning Retention Ratio (%) | 0.00 | 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) | 4.07 | 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 (%) | 0.00 | 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 14.74. This value is within the healthy range. It has increased from 10.79 (Mar 24) to 14.74, marking an increase of 3.95.
- 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 0.18. This value is below the healthy minimum of 0.2. It has decreased from 0.30 (Mar 24) to 0.18, marking a decrease of 0.12.
- 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 25.68. This value exceeds the healthy maximum of 3. It has increased from 0.00 (Mar 24) to 25.68, marking an increase of 25.68.
- For Quick Ratio (X), as of Mar 25, the value is 25.68. This value exceeds the healthy maximum of 2. It has increased from 0.00 (Mar 24) to 25.68, marking an increase of 25.68.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 7.28 (Mar 24) to 0.00, marking a decrease of 7.28.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 7.17 (Mar 24) to 0.00, marking a decrease of 7.17.
- For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 92.72 (Mar 24) to 0.00, marking a decrease of 92.72.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 92.83 (Mar 24) to 0.00, marking a decrease of 92.83.
- 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 4.07. This value is within the healthy range. It has increased from 3.91 (Mar 24) to 4.07, marking an increase of 0.16.
- 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 0.00. This value is below the healthy minimum of 30. It has decreased from 92.71 (Mar 24) to 0.00, marking a decrease of 92.71.
- 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
Unable to fetch valid data for stock valuation.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: 14.74% (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): 4.07
- 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: 25.68
- 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: 22.9 (Industry average Stock P/E: 56.17)
- 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 | info@emeraldfin.com http://www.emeraldfin.com |
| 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 |