Share Price and Basic Stock Data
Last Updated: January 12, 2026, 2:46 pm
| PEG Ratio | 0.69 |
|---|
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) and has shown a robust growth trajectory in its revenue streams. For the fiscal year ending March 2023, the company reported sales of ₹12 Cr, which rose to ₹13 Cr in March 2024. Looking ahead, sales are expected to reach ₹22 Cr by March 2025, with trailing twelve months (TTM) revenue standing at ₹26 Cr. This consistent upward trend in sales highlights the company’s capability to capture market demand effectively. Quarterly sales figures have also shown fluctuations, with a peak in March 2025 at ₹6.45 Cr, a significant increase from ₹3.87 Cr in March 2023. The operating profit margin (OPM) has improved dramatically, standing at 70% for the fiscal year ending March 2025, reflecting effective cost management and operational efficiencies. The company’s recent sales figures indicate a promising trajectory, with a quarterly increase noted from ₹3.05 Cr in December 2022 to ₹3.24 Cr in September 2023, suggesting steady demand for its financial products.
Profitability and Efficiency Metrics
Emerald Finance Ltd has demonstrated strong profitability metrics, underscored by a return on equity (ROE) of 13.8% and a return on capital employed (ROCE) of 18.4%. The net profit for the fiscal year ending March 2023 was ₹3 Cr, which is projected to increase to ₹9 Cr by March 2025. Notably, the profit before tax (PBT) for March 2025 was recorded at ₹12 Cr, indicating a robust operational performance. The interest coverage ratio (ICR) stood at 5.20x, reflecting the company’s ability to meet its interest obligations comfortably. Additionally, the operating profit margin (OPM) is impressive at 70% for March 2025, signifying effective cost control and operational efficiency. The company has also maintained a cash conversion cycle (CCC) of 36 days, which is relatively low and indicative of efficient working capital management. However, the overall efficiency can be further enhanced as the company navigates its growth phase while managing operational costs effectively.
Balance Sheet Strength and Financial Ratios
The balance sheet of Emerald Finance Ltd exhibits substantial strength, characterized by total assets of ₹106 Cr as of March 2025, with total liabilities standing at ₹106 Cr as well. The company has reserves amounting to ₹56 Cr and borrowings of ₹15 Cr, providing a healthy equity cushion. The debt-to-equity ratio is a modest 0.18, indicating that the company has maintained a conservative leverage position. The book value per share (including revaluation reserves) stood at ₹24.47, which, alongside a market capitalization of ₹273 Cr, reflects a price-to-book value ratio of 4.15x. This is higher than typical sector norms, suggesting that investors are willing to pay a premium for the company’s growth prospects. Moreover, the current and quick ratios are reported at 6.51, indicating excellent liquidity and the ability to cover short-term obligations. Such financial metrics signify a solid foundation for future growth and financial stability, although the high valuation may raise concerns among value-focused investors.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Emerald Finance Ltd reveals a healthy mix of ownership, with promoters holding 59.50% as of March 2025, a decline from previous levels, indicating some dilution of control. Foreign Institutional Investors (FIIs) held 1.74% of shares, reflecting a cautious interest from international investors. The public shareholding has increased to 38.76%, showing growing retail investor confidence. The number of shareholders has also risen significantly, reaching 10,989 by September 2025, compared to just 2,509 in December 2022. This increase in shareholder base may indicate rising interest in the company, fueled by its promising financial performance and growth potential. However, the declining promoter stake could raise questions about commitment, and the relatively low FII interest might signal some reservations regarding the company’s long-term growth prospects. Overall, the confidence among public investors appears to be strong, bolstered by the company’s financial achievements and market positioning.
Outlook, Risks, and Final Insight
Emerald Finance Ltd is poised for significant growth, supported by its strong revenue trends and profitability metrics. However, potential risks include market volatility that could impact borrowing costs and profitability, as well as the declining promoter stake, which may affect investor sentiment. The company’s ability to maintain its operational efficiency and manage costs will be crucial as it aims to achieve its ambitious revenue targets. Additionally, a high valuation compared to book value could deter value investors if the growth does not materialize as expected. Nevertheless, the low debt levels provide a cushion against external economic shocks. If the company can sustain its current momentum and effectively navigate the challenges ahead, it stands to enhance shareholder value significantly. The balance between growth and risk management will be critical as Emerald Finance Ltd charts its future course in the competitive NBFC landscape.
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 | 14.9 Cr. | 1.49 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.82 Cr. | 0.68 | 7.55/0.62 | 20.1 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 391 Cr. | 59.8 | 125/53.9 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.7 Cr. | 16.0 | 26.2/15.0 | 11.0 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 32.6 Cr. | 72.5 | 152/70.0 | 17.4 | 238 | 1.39 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,830.03 Cr | 426.40 | 50.74 | 522.43 | 0.23% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2.39 | 3.05 | 3.87 | 2.78 | 3.24 | 3.42 | 3.89 | 4.39 | 5.00 | 5.72 | 6.45 | 6.71 | 6.90 |
| Expenses | 1.43 | 1.32 | 1.83 | 1.41 | 1.73 | 1.40 | 1.83 | 1.45 | 1.50 | 1.66 | 1.95 | 1.80 | 1.48 |
| Operating Profit | 0.96 | 1.73 | 2.04 | 1.37 | 1.51 | 2.02 | 2.06 | 2.94 | 3.50 | 4.06 | 4.50 | 4.91 | 5.42 |
| OPM % | 40.17% | 56.72% | 52.71% | 49.28% | 46.60% | 59.06% | 52.96% | 66.97% | 70.00% | 70.98% | 69.77% | 73.17% | 78.55% |
| Other Income | 0.03 | 0.00 | -0.07 | 0.00 | 0.02 | 0.01 | 0.02 | 0.01 | 0.01 | 0.02 | 0.04 | 0.03 | 0.00 |
| Interest | 0.19 | 0.23 | 0.23 | 0.22 | 0.26 | 0.44 | 0.50 | 0.66 | 0.76 | 0.77 | 0.71 | 0.68 | 0.61 |
| Depreciation | 0.00 | 0.00 | 0.03 | 0.00 | 0.00 | 0.00 | 0.06 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 | 0.00 |
| Profit before tax | 0.80 | 1.50 | 1.71 | 1.15 | 1.27 | 1.59 | 1.52 | 2.29 | 2.75 | 3.31 | 3.75 | 4.26 | 4.81 |
| Tax % | 28.75% | 25.33% | 26.32% | 25.22% | 25.20% | 25.79% | 25.00% | 25.33% | 25.09% | 25.08% | 29.33% | 25.12% | 25.16% |
| Net Profit | 0.57 | 1.12 | 1.25 | 0.86 | 0.95 | 1.19 | 1.13 | 1.71 | 2.05 | 2.48 | 2.65 | 3.19 | 3.60 |
| EPS in Rs | 0.20 | 0.37 | 0.41 | 0.29 | 0.32 | 0.39 | 0.37 | 0.57 | 0.63 | 0.73 | 0.77 | 0.92 | 1.04 |
Last Updated: December 27, 2025, 3:05 am
Below is a detailed analysis of the quarterly data for Emerald Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 6.90 Cr.. The value appears strong and on an upward trend. It has increased from 6.71 Cr. (Jun 2025) to 6.90 Cr., marking an increase of 0.19 Cr..
- For Expenses, as of Sep 2025, the value is 1.48 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1.80 Cr. (Jun 2025) to 1.48 Cr., marking a decrease of 0.32 Cr..
- For Operating Profit, as of Sep 2025, the value is 5.42 Cr.. The value appears strong and on an upward trend. It has increased from 4.91 Cr. (Jun 2025) to 5.42 Cr., marking an increase of 0.51 Cr..
- For OPM %, as of Sep 2025, the value is 78.55%. The value appears strong and on an upward trend. It has increased from 73.17% (Jun 2025) to 78.55%, marking an increase of 5.38%.
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.03 Cr. (Jun 2025) to 0.00 Cr., marking a decrease of 0.03 Cr..
- For Interest, as of Sep 2025, the value is 0.61 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.68 Cr. (Jun 2025) to 0.61 Cr., marking a decrease of 0.07 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 4.81 Cr.. The value appears strong and on an upward trend. It has increased from 4.26 Cr. (Jun 2025) to 4.81 Cr., marking an increase of 0.55 Cr..
- For Tax %, as of Sep 2025, the value is 25.16%. The value appears to be increasing, which may not be favorable. It has increased from 25.12% (Jun 2025) to 25.16%, marking an increase of 0.04%.
- For Net Profit, as of Sep 2025, the value is 3.60 Cr.. The value appears strong and on an upward trend. It has increased from 3.19 Cr. (Jun 2025) to 3.60 Cr., marking an increase of 0.41 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.04. The value appears strong and on an upward trend. It has increased from 0.92 (Jun 2025) to 1.04, 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: 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: 15.81%)
- 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: 22.5 (Industry average Stock P/E: 50.74)
- 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 12 January 2026) is ₹65.46 which is 15.54% lower the current market price of ₹77.50, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹268 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 268 Cr..
What is the current Stock Price of Emerald Finance Ltd as on 12 January 2026?
The current stock price of Emerald Finance Ltd as on 12 January 2026 is ₹77.5.
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 22.5.
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 0.20 %.
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.