Emerald FinanceBOM:538882 +1.47%79 EBITDA Margin % is 63.90% as of Mar. 2026, which is 66% above its 10-year median of 38.58. 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. Among 413 Credit Services companies, Emerald Finance ranks better than 90.31% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Emerald Finance's EBITDA for the
three
months ended in Mar. 2026 was ₹62.3 Mil. Emerald Finance's Revenue for the
three
months ended in Mar. 2026 was ₹97.5 Mil. Therefore, Emerald Finance's EBITDA margin for the quarter that ended in Mar. 2026 was 63.90%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Emerald Finance EBITDA Margin % Related Terms
Emerald Finance EBITDA Margin % Historical Data
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The historical data trend for Emerald Finance's EBITDA Margin % 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.
BOM:538882 vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Emerald Finance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Emerald Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Emerald Finance's EBITDA Margin % falls into.
* 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 (BOM:538882) has a EBITDA Margin % of 63.90% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Emerald Finance and its competitors. This is 66% above median its historical median of 38.58. Over the past decade, Emerald Finance's EBITDA Margin % has ranged from 16.77 to 66.27. According to the industry distribution chart, Emerald Finance ranks #40 out of 413 companies in the Credit Services industry, placing it in the top 9.7%.
Is Emerald Finance's EBITDA Margin % too high?
Emerald Finance's current EBITDA Margin % of 63.90% is 66% above median its 10-year median of 38.58. Over the past 10 years, this metric has ranged from a low of 16.77 to a high of 66.27. The Credit Services industry median EBITDA Margin % is 21.03. Emerald Finance's value of 63.90% is 203.9% above this industry median. Based on the distribution chart, Emerald Finance ranks #40 out of 413 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Emerald Finance ranks #40 out of 413 companies for EBITDA Margin %. This places Emerald Finance in the top 10% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 21.03. Emerald Finance's value of 63.90% is 203.9% above this benchmark. Historically, Emerald Finance's own EBITDA Margin % has ranged from 16.77 to 66.27 over the past decade. While the company's 10-year median is 38.58 vs. the industry median of 21.03, Emerald Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.03, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Emerald Finance's current EBITDA Margin % of 63.90% is 203.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Emerald Finance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emerald Finance's current EBITDA Margin % is 63.90%, which is 66% above median its own 10-year median of 38.58. 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 EBITDA Margin % is 63.90%, which is 66% above median its 10-year median of 38.58 and 203.9% above the Credit Services industry median of 21.03. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Emerald Finance (BOM:538882), the current EBITDA Margin % is 63.90% 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:
EBITDA Margin %: 63.90% (66% above median its 10-year median of 38.58)
GF Value™: ₹94.55 vs. price of ₹53.97 (42.9% below fair value)
Industry Position: 203.9% above the Credit Services median (#40 of 413)
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 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
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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