Emerald Finance (BOM:538882) EBIT: ₹204.5 Mil (TTM As of Mar. 2026)


BOM:538882 Emerald Finance Ltd BOM:538882
79 GF Score
Price ₹53.97
GF Value ₹94.55
Valuation Possible Value Trap
! 2 Warning Signs
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What is Emerald Finance EBIT?

Emerald Finance BOM:538882 -2.74% 79 EBIT is ₹204.5 Mil as of Mar. 2026. GuruFocus rates BOM:538882 with a GF Score™ of 79/100 and a GF Value™ of ₹94.55 (Possible Value Trap). The stock has 2 warning signs investors should review.

Emerald Finance's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹60.6 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹204.5 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Emerald Finance's annualized ROC % for the quarter that ended in Mar. 2026 was 15.83%. Emerald Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1,852.69%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Emerald Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 10.20%.


Emerald Finance  (BOM:538882) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Emerald Finance's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=242.48 * ( 1 - 26.72% )/( (0 + 1122.202)/ 1 )
=177.689344/1122.202
=15.83 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1207.276 - 34.514 - ( 50.56 - max(0, 35.567 - 1190.703+50.56))
=1122.202

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Emerald Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=242.48/( ( (0 + max(0, 0)) + (13.088 + max(-6.053, 0)) )/ 1 )
=242.48/( ( 0 + 13.088 )/ 1 )
=242.48/13.088
=1,852.69 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(29.514 + 0 + 0) - (34.514 + 0 + 1.053)
=-6.053

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Emerald Finance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=204.548/2005.877
=10.20 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Emerald Finance EBIT Related Terms


Emerald Finance EBIT Historical Data

* Premium members only.

The historical data trend for Emerald Finance's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Emerald Finance EBIT Chart

Emerald Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 33.86 47.23 56.18 119.51 204.87

Emerald Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 36.38 42.38 48.12 53.43 60.62

BOM:538882 vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Emerald Finance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Emerald Finance EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Emerald Finance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Emerald Finance's EV-to-EBIT falls into.


BOM:538882
79GF Score
Emerald Finance Ltd BOM:538882
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Emerald Finance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹204.5 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹204.5 Mil mean?
Emerald Finance (BOM:538882) has a EBIT of ₹204.5 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Emerald Finance.
Is Emerald Finance's EBIT too high?
Emerald Finance's current EBIT is ₹204.5 Mil. Overall, Emerald Finance has a GF Score™ of 79/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Emerald Finance's EBIT compare to V and MA?
Emerald Finance's EBIT of ₹204.5 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Emerald Finance. Emerald Finance's current EBIT is ₹204.5 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emerald Finance stock overvalued right now?
Based on GuruFocus' analysis, Emerald Finance (BOM:538882) is currently considered Possible Value Trap. The stock's GF Value™ is ₹94.55, compared to a current price of ₹53.97 — trading 42.9% below its estimated fair value. The current EBIT is ₹204.5 Mil. Emerald Finance's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Emerald Finance (BOM:538882), the current EBIT is ₹204.5 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Emerald Finance (BOM:538882) Overvalued in 2026?

Based on GuruFocus' analysis, Emerald Finance stock appears to be undervalued. The current stock price of ₹53.97 is trading 42.9% below its estimated GF Value™ of ₹94.55. GuruFocus considers Emerald Finance to be Possible Value Trap.

Key valuation signals for BOM:538882:

  • EBIT: ₹204.5 Mil
  • GF Value™: ₹94.55 vs. price of ₹53.97 (42.9% below fair value)
  • GF Score™: 79/100 with 2 warning signs

No single metric tells the full story. See the BOM:538882 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Emerald Finance Business Description

Address S.C.O. 7, Industrial Area Phase-II, Behind Plot No. 410, Chandigarh, IND, 160002
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.
79GF Score

Get the complete analysis for BOM:538882

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹53.97
Price
₹94.55
GF Value