Share Price and Basic Stock Data
Last Updated: February 1, 2026, 10:19 pm
| PEG Ratio | 0.53 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Emerald Finance Ltd operates as a Non-Banking Financial Company (NBFC) with a current market capitalization of ₹249 Cr and a share price of ₹72.00. The company has demonstrated a robust upward trajectory in revenue, with reported sales rising from ₹8 Cr in FY 2022 to ₹12 Cr in FY 2023, and projected sales for FY 2025 standing at ₹22 Cr. The company’s quarterly sales figures reflect this growth, with sales recorded at ₹3.24 Cr in September 2023, and expected to reach ₹6.90 Cr by September 2025. This consistent increase indicates a strong demand for Emerald Finance’s services, likely driven by a growing customer base and expanding operational capacity. The company maintains a high operating profit margin (OPM) of 78.55%, which is notably above the typical sector range for NBFCs, suggesting effective cost management and operational efficiency.
Profitability and Efficiency Metrics
Emerald Finance’s profitability is underscored by its net profit of ₹12 Cr for the financial year ending March 2023, with earnings before interest and tax (EBIT) showing a favorable trajectory. The operating profit margin has improved significantly, rising from 49.28% in June 2023 to 78.55% by September 2025. The company recorded a return on equity (ROE) of 13.8% and a return on capital employed (ROCE) of 18.4%, both of which are commendable compared to typical industry averages. The interest coverage ratio (ICR) stood at 5.20x, indicating robust ability to meet interest obligations. However, the cash conversion cycle (CCC) of 36 days and debtor days of 22 in FY 2025 suggest room for improvement in receivables management, which could further enhance profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of Emerald Finance exhibits a healthy financial structure, with total assets reported at ₹106 Cr and total liabilities at ₹52 Cr, resulting in a debt-to-equity ratio of 0.18. This low leverage indicates a conservative approach to debt, with borrowings standing at ₹15 Cr. The company’s reserves have also strengthened, increasing from ₹13 Cr in FY 2023 to ₹56 Cr by September 2025, providing a solid cushion for future growth initiatives. Additionally, the price-to-book value (P/BV) ratio is 4.15x, indicating a premium valuation relative to its book value per share of ₹24.47. The current ratio of 6.51x further highlights excellent liquidity, suggesting the company is well-positioned to cover its short-term obligations comfortably.
Shareholding Pattern and Investor Confidence
Emerald Finance’s shareholding pattern reveals a stable structure, with promoters holding 59.50% of the equity as of March 2025, indicating strong insider confidence. This is a decline from 67.80% in December 2022, suggesting a potential dilution of control as the company attracts more public investment. Foreign institutional investors (FIIs) accounted for 1.74% of the shareholding, down from 9.36% in March 2025, reflecting fluctuating foreign interest. The public shareholding has increased significantly, from 31.54% in December 2022 to 38.76% by September 2025, suggesting growing retail investor confidence in the company’s performance. The total number of shareholders rose impressively from 2,509 in December 2022 to 10,989 by September 2025, highlighting increased interest and participation in the company’s equity.
Outlook, Risks, and Final Insight
The outlook for Emerald Finance appears promising, driven by strong revenue growth and solid profitability metrics. However, potential risks include the volatility in foreign institutional investment and dependence on effective receivables management to maintain cash flow. The company’s high operating profit margin positions it favorably compared to competitors, yet the declining promoter shareholding could raise concerns about control and strategic direction. Future performance will likely hinge on the ability to sustain growth in a competitive NBFC landscape while navigating regulatory changes and market dynamics. Overall, Emerald Finance’s robust financial health and operational efficiency provide a strong foundation for future expansion, but attention to shareholder dynamics and operational risks will be crucial for maintaining investor confidence and ensuring long-term success.
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 | 15.3 Cr. | 1.53 | 1.72/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.83 Cr. | 0.68 | 5.59/0.62 | 20.1 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 351 Cr. | 53.7 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.1 Cr. | 15.3 | 25.5/14.8 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.5 Cr. | 61.0 | 146/59.7 | 14.8 | 238 | 1.64 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 26,987.29 Cr | 387.70 | 51.49 | 514.98 | 0.23% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.05 | 3.87 | 2.78 | 3.24 | 3.42 | 3.89 | 4.39 | 5.00 | 5.72 | 6.45 | 6.71 | 6.90 | 7.80 |
| Interest | 0.23 | 0.23 | 0.22 | 0.26 | 0.44 | 0.50 | 0.66 | 0.76 | 0.77 | 0.71 | 0.68 | 0.61 | 0.69 |
| Expenses | 1.32 | 1.83 | 1.41 | 1.73 | 1.40 | 1.83 | 1.45 | 1.50 | 1.66 | 1.95 | 1.80 | 1.48 | 1.77 |
| Financing Profit | 1.50 | 1.81 | 1.15 | 1.25 | 1.58 | 1.56 | 2.28 | 2.74 | 3.29 | 3.79 | 4.23 | 4.81 | 5.34 |
| Financing Margin % | 49.18% | 46.77% | 41.37% | 38.58% | 46.20% | 40.10% | 51.94% | 54.80% | 57.52% | 58.76% | 63.04% | 69.71% | 68.46% |
| Other Income | 0.00 | -0.07 | 0.00 | 0.02 | 0.01 | 0.02 | 0.01 | 0.01 | 0.02 | 0.04 | 0.03 | 0.00 | 0.00 |
| Depreciation | 0.00 | 0.03 | 0.00 | 0.00 | 0.00 | 0.06 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 1.50 | 1.71 | 1.15 | 1.27 | 1.59 | 1.52 | 2.29 | 2.75 | 3.31 | 3.75 | 4.26 | 4.81 | 5.34 |
| Tax % | 25.33% | 26.32% | 25.22% | 25.20% | 25.79% | 25.00% | 25.33% | 25.09% | 25.08% | 29.33% | 25.12% | 25.16% | 25.09% |
| Net Profit | 1.12 | 1.25 | 0.86 | 0.95 | 1.19 | 1.13 | 1.71 | 2.05 | 2.48 | 2.65 | 3.19 | 3.60 | 4.00 |
| EPS in Rs | 0.37 | 0.41 | 0.29 | 0.32 | 0.39 | 0.37 | 0.57 | 0.63 | 0.73 | 0.77 | 0.92 | 1.04 | 1.16 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 2, 2026, 3:16 am
Below is a detailed analysis of the quarterly data for Emerald Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 0.69 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.61 Cr. (Sep 2025) to 0.69 Cr., marking an increase of 0.08 Cr..
- For Expenses, as of Dec 2025, the value is 1.77 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1.48 Cr. (Sep 2025) to 1.77 Cr., marking an increase of 0.29 Cr..
- For Other Income, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 5.34 Cr.. The value appears strong and on an upward trend. It has increased from 4.81 Cr. (Sep 2025) to 5.34 Cr., marking an increase of 0.53 Cr..
- For Tax %, as of Dec 2025, the value is 25.09%. The value appears to be improving (decreasing) as expected. It has decreased from 25.16% (Sep 2025) to 25.09%, marking a decrease of 0.07%.
- For Net Profit, as of Dec 2025, the value is 4.00 Cr.. The value appears strong and on an upward trend. It has increased from 3.60 Cr. (Sep 2025) to 4.00 Cr., marking an increase of 0.40 Cr..
- For EPS in Rs, as of Dec 2025, the value is 1.16. The value appears strong and on an upward trend. It has increased from 1.04 (Sep 2025) to 1.16, marking an increase of 0.12.
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: February 1, 2026, 4:44 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 |
| Borrowing | 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 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..
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: 15.81%)
- 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: 17.1 (Industry average Stock P/E: 51.49)
- 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 01 February 2026) is ₹65.89 which is 1.07% lower the current market price of ₹66.60, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹230 Cr. market cap, FY2025-2026 high/low of ₹137/64.0, 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 230 Cr..
What is the current Stock Price of Emerald Finance Ltd as on 01 February 2026?
The current stock price of Emerald Finance Ltd as on 01 February 2026 is ₹66.6.
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 ₹137/64.0.
What is the Stock P/E of Emerald Finance Ltd?
The Stock P/E of Emerald Finance Ltd is 17.1.
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 0.23 %.
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.