Emerald Finance Ltd

Emerald Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Emerald Finance Ltd

₹ 85.9 -4.54%
11 Jun - close price
emeraldfin.com BSE: 538882
About

Emerald Leasing Finance and Investment Company Limited was incorporated in 1983. The Company is a NBFC registered with RBI engaged in the business of Commission income, Interest income and Dividend. The registered office of the company is in New Delhi. [1] [2]

Key Points

Service Offerings
1) Lending: The company is a non-deposit-taking NBFC, focused on retail and MSME lending. It acts as a loan origination platform for 40+ financial institutions including SBI, Canara Bank, Yes Bank, Axis Finance, etc via its subsidiary, Eclat Net Advisors. It has also broadened its offerings to include personal loans and business loans. [1] [2] The company had NIL NPAs during 9M FY25. [1]

Website BSE
  • Market Cap ₹ 297 Cr.
  • Current Price ₹ 85.9
  • High / Low ₹ 168 / 29.3
  • Stock P/E 46.0
  • Book Value ₹ 21.7
  • Dividend Yield 0.12 %
  • ROCE 15.2 %
  • ROE 11.3 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 61.8% CAGR over last 5 years

Cons

  • Stock is trading at 3.95 times its book value
  • Promoter holding has decreased over last quarter: -1.01%
  • Company has a low return on equity of 8.93% over last 3 years.
  • Working capital days have increased from 703 days to 1,961 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
1.15 0.98 1.09 1.44 1.87 1.76 1.84 1.79 2.01 2.50 2.94 3.42 4.57
0.47 0.36 0.38 0.46 0.74 0.59 0.54 0.42 0.81 0.56 0.50 0.60 1.00
Operating Profit 0.68 0.62 0.71 0.98 1.13 1.17 1.30 1.37 1.20 1.94 2.44 2.82 3.57
OPM % 59.13% 63.27% 65.14% 68.06% 60.43% 66.48% 70.65% 76.54% 59.70% 77.60% 82.99% 82.46% 78.12%
0.03 0.01 0.00 0.00 -0.06 0.00 0.01 0.01 0.02 0.00 0.01 0.02 0.03
Interest 0.13 0.15 0.13 0.15 0.16 0.16 0.19 0.34 0.37 0.46 0.52 0.52 0.47
Depreciation 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.02
Profit before tax 0.56 0.48 0.58 0.83 0.91 1.01 1.12 1.04 0.84 1.48 1.93 2.32 3.11
Tax % 28.57% 25.00% 25.86% 25.30% 27.47% 24.75% 25.00% 25.00% 25.00% 25.00% 25.39% 25.00% 30.55%
0.41 0.36 0.44 0.62 0.66 0.76 0.84 0.78 0.63 1.10 1.44 1.74 2.16
EPS in Rs 0.14 0.12 0.15 0.21 0.22 0.25 0.28 0.26 0.21 0.36 0.44 0.52 0.63
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
0.35 0.89 0.67 0.51 0.59 1.11 1.80 2.62 4.09 5.38 7.41 13.42
0.25 0.75 0.55 0.42 0.46 0.55 0.90 1.04 1.55 1.90 2.29 2.65
Operating Profit 0.10 0.14 0.12 0.09 0.13 0.56 0.90 1.58 2.54 3.48 5.12 10.77
OPM % 28.57% 15.73% 17.91% 17.65% 22.03% 50.45% 50.00% 60.31% 62.10% 64.68% 69.10% 80.25%
0.00 0.00 0.00 0.00 0.00 0.01 0.01 -0.01 0.03 -0.05 0.02 0.05
Interest 0.00 0.00 0.00 0.00 0.03 0.10 0.18 0.22 0.36 0.63 1.06 1.97
Depreciation 0.01 0.00 0.00 0.00 0.00 0.00 0.01 0.02 0.02 0.00 0.01 0.02
Profit before tax 0.09 0.14 0.12 0.09 0.10 0.47 0.72 1.33 2.19 2.80 4.07 8.83
Tax % 33.33% 28.57% 33.33% 33.33% 30.00% 27.66% 19.44% 24.06% 25.57% 25.71% 25.80% 27.07%
0.06 0.09 0.08 0.06 0.07 0.35 0.58 1.01 1.62 2.08 3.01 6.44
EPS in Rs 0.02 0.03 0.03 0.02 0.02 0.12 0.20 0.35 0.56 0.69 1.00 1.86
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 38.97% 8.95% 17.93% 14.49% 10.01% 4.83%
Compounded Sales Growth
10 Years: 31%
5 Years: 49%
3 Years: 49%
TTM: 81%
Compounded Profit Growth
10 Years: 53%
5 Years: 62%
3 Years: 58%
TTM: 114%
Stock Price CAGR
10 Years: 28%
5 Years: 54%
3 Years: 80%
1 Year: 166%
Return on Equity
10 Years: 8%
5 Years: 9%
3 Years: 9%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 3.05 3.05 3.05 3.05 3.05 9.04 9.04 9.04 29.04 30.14 30.14 34.54
Reserves 0.00 0.10 0.18 0.24 0.32 0.66 1.24 2.23 3.24 6.59 9.16 40.56
0.00 0.00 0.00 0.00 0.83 0.60 1.51 1.79 4.07 4.31 12.93 15.00
0.04 0.04 0.03 0.24 0.06 0.26 0.56 2.94 1.55 1.29 1.60 2.95
Total Liabilities 3.09 3.19 3.26 3.53 4.26 10.56 12.35 16.00 37.90 42.33 53.83 93.05
0.01 0.00 0.00 0.00 0.01 0.03 0.05 0.03 0.22 0.16 0.15 0.11
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.00 0.01 0.01 0.90 0.90 0.90 0.90 0.90 1.20 1.37 0.95 0.95
3.08 3.18 3.25 2.63 3.35 9.63 11.40 15.07 36.48 40.80 52.73 91.99
Total Assets 3.09 3.19 3.26 3.53 4.26 10.56 12.35 16.00 37.90 42.33 53.83 93.05

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-2.17 -0.07 0.00 0.90 -0.30 -3.51 -2.82 1.16 -20.64 2.33 -11.47 -16.01
-0.04 -0.01 0.00 -0.89 -0.07 -0.03 -0.22 -0.04 -0.38 -0.17 0.36 -0.07
2.84 0.00 0.00 0.00 0.80 5.67 0.73 0.31 21.71 2.41 7.57 30.12
Net Cash Flow 0.63 -0.08 0.00 0.01 0.43 2.13 -2.31 1.44 0.69 4.56 -3.54 14.04

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 125.14 77.92 141.64 93.04 80.42 118.38 97.33 18.11 22.31 18.32 49.26 33.73
Inventory Days
Days Payable
Cash Conversion Cycle 125.14 77.92 141.64 93.04 80.42 118.38 97.33 18.11 22.31 18.32 49.26 33.73
Working Capital Days 2,502.86 1,053.99 1,743.28 1,681.86 1,750.76 2,232.75 2,141.33 1,522.69 410.51 -17.64 165.01 1,960.72
ROCE % 5.64% 4.52% 3.76% 2.76% 3.47% 7.86% 8.15% 12.56% 10.36% 9.05% 11.00% 15.17%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
70.36% 70.36% 67.80% 67.80% 67.80% 67.80% 67.80% 67.80% 67.80% 62.35% 60.51% 59.50%
0.00% 0.00% 0.66% 0.71% 0.71% 0.71% 1.31% 1.31% 1.31% 9.16% 9.78% 9.36%
29.64% 29.63% 31.54% 31.50% 31.49% 31.50% 30.90% 30.90% 30.89% 28.49% 29.72% 31.14%
No. of Shareholders 1,7072,1452,5092,9763,2893,4934,2094,3324,3316,4148,3719,883

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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