Business Description
Emerald Finance Ltd
ISIN : INE030Q01015
Total Employee Number:
26Compare
Compare
Traded in other countries / regions
538882.India IPO Date
2015-01-13Description
Emerald Finance Ltd operates as a non-banking financial company focused on retail and micro, small, and medium enterprise (MSME) lending. The company acts as a loan origination platform for multiple financial institutions, providing a broad range of financial products including personal loans, business loans, home loans, and early wage access through digital channels. It serves customers mainly in northern and western regions of India, leveraging partnerships with banks and fintech platforms to reach diverse client segments. Revenue is generated from loan disbursements, interest income, and brokerage fees earned by facilitating lending through its network and technology-driven platforms.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.3 | |||||
Equity-to-Asset | 0.8 | |||||
Debt-to-Equity | 0.18 | |||||
Debt-to-EBITDA | 0.74 | |||||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 6/9 | |||||
Altman Z-Score | 6.9 | |||||
Beneish M-Score | -0.19 | |||||
WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 33.2 | |||||
3-Year EBITDA Growth Rate | 56 | |||||
3-Year EPS without NRI Growth Rate | 50.6 | |||||
3-Year Book Growth Rate | 24.2 |
Momentum Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 23.65 | |||||
9-Day RSI | 33.17 | |||||
14-Day RSI | 38.15 | |||||
3-1 Month Momentum % | -9.19 | |||||
6-1 Month Momentum % | -24.08 | |||||
12-1 Month Momentum % | -35.05 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 33.48 | |||||
Quick Ratio | 33.48 | |||||
Cash Ratio | 1.42 | |||||
Days Sales Outstanding | 33.24 | |||||
Days Payable | 0.62 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 0.18 | |||||
Dividend Payout Ratio | 0.02 | |||||
3-Year Dividend Growth Rate | -3.5 | |||||
Forward Dividend Yield % | 0.29 | |||||
5-Year Yield-on-Cost % | 0.13 | |||||
3-Year Average Share Buyback Ratio | -4.6 | |||||
Shareholder Yield % | 0.31 |
Profitability Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 74.92 | |||||
Operating Margin % | 67.76 | |||||
Net Margin % | 47.99 | |||||
EBITDA Margin % | 68.46 | |||||
FCF Margin % | -32.3 | |||||
OCF Margin % | -29.79 | |||||
ROE % | 17.86 | |||||
ROA % | 14.32 | |||||
ROIC % | 16.71 | |||||
3-Year ROIIC % | 17.03 | |||||
ROC (Joel Greenblatt) % | 936.26 | |||||
ROCE % | 20.77 | |||||
Years of Profitability over Past 10-Year | 10 |
GF Value Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 10.68 | |||||
PE Ratio without NRI | 10.51 | |||||
Shiller PE Ratio | 24.39 | |||||
PEG Ratio | 0.39 | |||||
PS Ratio | 5.13 | |||||
PB Ratio | 1.83 | |||||
Price-to-Tangible-Book | 1.84 | |||||
EV-to-EBIT | 8.33 | |||||
EV-to-EBITDA | 8.25 | |||||
EV-to-Revenue | 5.65 | |||||
EV-to-FCF | -17.48 | |||||
Price-to-GF-Value | 0.51 | |||||
Price-to-DCF (Earnings Based) | 0.44 | |||||
Price-to-Median-PS-Value | 1.39 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.42 | |||||
Price-to-Graham-Number | 0.99 | |||||
| Price-to-Net-Current-Asset-Value | 1.87 | |||||
Earnings Yield (Greenblatt) % | 12 | |||||
FCF Yield % | -6.18 | |||||
Forward Rate of Return (Yacktman) % | 14.97 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
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Annualized Return % Â
Total Annual Return % Â
Emerald Finance Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil ₹) | 338.918 | ||
| EPS (TTM) (₹) | 4.805 | ||
| Beta | 1.6275 | ||
| 3-Year Sharpe Ratio | 0.54 | ||
| 3-Year Sortino Ratio | 1.75 | ||
| Volatility % | 54.54 | ||
| 14-Day RSI | 38.15 | ||
| 14-Day ATR (₹) | 3.347876 | ||
| 20-Day SMA (₹) | 55.426 | ||
| 12-1 Month Momentum % | -35.05 | ||
| 52-Week Range (₹) | 45.5 - 97 | ||
| Shares Outstanding (Mil) | 34.54 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Emerald Finance Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Emerald Finance Ltd Stock Events
| Event | Date | Price (₹) | ||
|---|---|---|---|---|
| INR 0.090000 Cash Dividend | 2025-09-23 | 78.51 (-3.36%) | ||
| INR 0.060000 Cash Dividend | 2025-01-31 | 136.90 (+1.97%) | ||
| INR 0.100000 Cash Dividend | 2024-09-23 | 66.68 (+4.51%) |
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Emerald Finance Ltd Frequently Asked Questions
What is Emerald Finance Ltd(BOM:538882)'s stock price today?
The current price of BOM:538882 is ₹51.31. The 52 week high of BOM:538882 is ₹97.00 and 52 week low is ₹45.50.
When is next earnings date of Emerald Finance Ltd(BOM:538882)?
The next earnings date of Emerald Finance Ltd(BOM:538882) is .
Does Emerald Finance Ltd(BOM:538882) pay dividends? If so, how much?
The Dividend Yield %  of Emerald Finance Ltd(BOM:538882) is 0.18% (As of Today), Highest Dividend Payout Ratio of Emerald Finance Ltd(BOM:538882) was 0.13. The lowest was 0.02. And the median was 0.08. The  Forward Dividend Yield % of Emerald Finance Ltd(BOM:538882) is 0.29%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on Emerald Finance Ltd
No articles.
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