Share Price and Basic Stock Data
Last Updated: October 22, 2025, 8:40 am
| PEG Ratio | 0.84 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Emerald Finance Ltd operates in the non-banking financial company (NBFC) sector, with a current market capitalization of ₹278 Cr. The company’s stock price stands at ₹80.4, reflecting its valuation in the market. Over the past few years, Emerald has demonstrated robust revenue growth, with sales increasing from ₹8 Cr in FY 2022 to ₹12 Cr in FY 2023, and further rising to ₹22 Cr in FY 2025. This growth trajectory indicates a compounded annual growth rate (CAGR) of approximately 64% from FY 2023 to FY 2025. Quarterly sales figures also show a consistent upward trend, with the latest reported sales of ₹3.89 Cr for Mar 2024, marking an increase from ₹3.05 Cr in Dec 2022. The operational performance, evidenced by an operating profit margin (OPM) of 73.32%, highlights the company’s efficiency in managing expenses relative to its revenue. Such trends position Emerald Finance favorably within the competitive NBFC landscape, where maintaining profitability is crucial amidst fluctuating market conditions.
Profitability and Efficiency Metrics
Emerald Finance has showcased impressive profitability metrics, with a net profit of ₹9 Cr for FY 2025, reflecting a significant increase from ₹3 Cr in FY 2023. The company’s earnings per share (EPS) also rose to ₹2.57 in FY 2025, compared to ₹1.15 in FY 2023, indicating improved shareholder value. The return on equity (ROE) stands at 13.8%, while the return on capital employed (ROCE) has risen to 18.4%. These figures are indicative of the company’s effective use of equity and capital to generate profits. Furthermore, the interest coverage ratio (ICR) of 5.20x suggests that Emerald Finance can comfortably meet its interest obligations, showcasing financial stability. The cash conversion cycle (CCC) improved to 36 days, down from 45 days in Mar 2024, reflecting efficient management of working capital. However, reliance on high operational margins may pose risks if competitive pressures increase, necessitating vigilance in cost management.
Balance Sheet Strength and Financial Ratios
The strength of Emerald Finance’s balance sheet is underscored by its reserves of ₹50 Cr against borrowings of ₹16 Cr, resulting in a low debt-to-equity ratio of 0.18. This conservative leverage strategy enhances the company’s financial stability, providing room for future growth without excessive risk. The liquidity position is robust, with a current ratio of 25.68, indicating that the company can easily cover its short-term liabilities. Additionally, the price-to-book value ratio (P/BV) is reported at 4.15x, which suggests that the stock may be trading at a premium compared to its book value. Despite these strengths, the company’s asset turnover ratio stands at 0.25%, which may indicate that the company could enhance its asset utilization. Overall, Emerald Finance appears to be in a healthy financial position, but it must remain vigilant to maintain this status amidst potential economic fluctuations.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Emerald Finance reveals a strong promoter holding at 59.50%, which reflects the management’s commitment to the company’s long-term vision. Foreign institutional investors (FIIs) hold 5.96% of the shares, down from a peak of 9.78% in Dec 2024, suggesting a shift in foreign interest that could impact future capital inflows. The public shareholding has increased to 34.55%, with a total of 10,287 shareholders as of Jun 2025, indicating growing investor confidence. However, the decline in FII holdings could raise concerns regarding external investor sentiment. The consistent increase in public shareholders might suggest a broader acceptance of the company’s growth story among retail investors. Nevertheless, the concentration of ownership among promoters may limit the influence of minority shareholders, which is a consideration for potential investors.
Outlook, Risks, and Final Insight
If margins sustain at current levels and revenue growth continues, Emerald Finance could solidify its position as a key player in the NBFC sector. The company’s conservative leverage strategy, coupled with robust profitability metrics, supports a positive outlook. However, risks such as fluctuating interest rates and competitive pressures in the NBFC space could impact profitability. Furthermore, the decline in FII holdings may indicate a potential challenge in attracting foreign investments, which could affect share liquidity and market perception. It is crucial for the management to maintain operational efficiency and adapt to market changes to mitigate these risks. Overall, while Emerald Finance demonstrates strong fundamentals, proactive strategies will be essential to navigate potential challenges and leverage growth opportunities in the evolving financial landscape.
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 | 15.9 Cr. | 1.59 | 1.91/0.85 | 106 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 12.2 Cr. | 1.21 | 14.3/1.06 | 19.0 | 1.31 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 548 Cr. | 167 | 285/130 | 79.8 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.8 Cr. | 19.4 | 39.8/17.5 | 13.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 45.7 Cr. | 102 | 181/90.0 | 24.5 | 238 | 0.98 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,944.91 Cr | 491.08 | 104.30 | 494.63 | 0.21% | 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: October 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 | 24 |
| 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 | 17 |
| OPM % | 16% | 21% | 17% | 20% | 27% | 27% | 44% | 47% | 49% | 53% | 70% | 71% |
| 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 | 14 |
| 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 | 10 |
| 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 | 3.05 |
| 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: July 25, 2025, 1:22 pm
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3 | 3 | 3 | 3 | 9 | 9 | 9 | 29 | 30 | 30 | 35 |
| Reserves | 0 | 0 | 1 | 2 | 5 | 6 | 7 | 9 | 13 | 17 | 50 |
| Borrowings | 0 | 0 | 0 | 1 | 1 | 3 | 3 | 5 | 5 | 15 | 16 |
| Other Liabilities | 0 | 0 | 1 | 1 | 1 | 2 | 4 | 3 | 3 | 3 | 6 |
| Total Liabilities | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 46 | 52 | 65 | 106 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 45 | 51 | 64 | 105 |
| Total Assets | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 46 | 52 | 65 | 106 |
Below is a detailed analysis of the balance sheet data for Emerald Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 35.00 Cr.. The value appears strong and on an upward trend. It has increased from 30.00 Cr. (Mar 2024) to 35.00 Cr., marking an increase of 5.00 Cr..
- For Reserves, as of Mar 2025, the value is 50.00 Cr.. The value appears strong and on an upward trend. It has increased from 17.00 Cr. (Mar 2024) to 50.00 Cr., marking an increase of 33.00 Cr..
- For Borrowings, as of Mar 2025, the value is 16.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 15.00 Cr. (Mar 2024) to 16.00 Cr., marking an increase of 1.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 6.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3.00 Cr. (Mar 2024) to 6.00 Cr., marking an increase of 3.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 106.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 65.00 Cr. (Mar 2024) to 106.00 Cr., marking an increase of 41.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 1.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Other Assets, as of Mar 2025, the value is 105.00 Cr.. The value appears strong and on an upward trend. It has increased from 64.00 Cr. (Mar 2024) to 105.00 Cr., marking an increase of 41.00 Cr..
- For Total Assets, as of Mar 2025, the value is 106.00 Cr.. The value appears strong and on an upward trend. It has increased from 65.00 Cr. (Mar 2024) to 106.00 Cr., marking an increase of 41.00 Cr..
Notably, the Reserves (50.00 Cr.) exceed the Borrowings (16.00 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 (%) | 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
| 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: 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: 24.5 (Industry average Stock P/E: 104.3)
- 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, Industrial Area, Chandigarh Chandigarh 160002 | cs@emeraldfin.com http://www.emeraldfin.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sanjay Aggarwal | Managing Director |
| Mr. Raman Aggarwal | Independent Director |
| Mr. Deepak Gaur | Independent Director |
| Mrs. Anubha Aggarwal | Non Executive Director |
FAQ
What is the intrinsic value of Emerald Finance Ltd?
Emerald Finance Ltd's intrinsic value (as of 23 October 2025) is 71.26 which is 15.67% lower the current market price of 84.50, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 292 Cr. market cap, FY2025-2026 high/low of 168/70.0, reserves of ₹50 Cr, and liabilities of 106 Cr.
What is the Market Cap of Emerald Finance Ltd?
The Market Cap of Emerald Finance Ltd is 292 Cr..
What is the current Stock Price of Emerald Finance Ltd as on 23 October 2025?
The current stock price of Emerald Finance Ltd as on 23 October 2025 is 84.5.
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 24.5.
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 0.18 %.
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.