Emerald Finance (BOM:538882) FCF Margin %: 0.00% (As of Mar. 2026)

What is Emerald Finance FCF Margin %?

Emerald Finance BOM:538882 +1.47% 79 FCF Margin % is 0.00% 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. Among 530 Credit Services companies, Emerald Finance ranks worse than 70.38% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Emerald Finance's Free Cash Flow for the three months ended in Mar. 2026 was ₹0.0 Mil. Emerald Finance's Revenue for the three months ended in Mar. 2026 was ₹97.5 Mil. Therefore, Emerald Finance's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.

As of today, Emerald Finance's current FCF Yield % is -5.87%.

The historical rank and industry rank for Emerald Finance's FCF Margin % or its related term are showing as below:

BOM:538882' s FCF Margin % Range Over the Past 10 Years
Min: -273.08 Med: -41.47 Max: 47.1
Current: -35.12

During the past 13 years, the highest FCF Margin % of Emerald Finance was 47.10%. The lowest was -273.08%. And the median was -41.47%.

BOM:538882's FCF Margin % is ranked worse than
70.38% of 530 companies
in the Credit Services industry
Industry Median: -0.06 vs BOM:538882: -35.12

Emerald Finance FCF Margin % Related Terms

Emerald Finance FCF Margin % Historical Data

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The historical data trend for Emerald Finance's FCF 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.

Emerald Finance FCF Margin % Chart

Emerald Finance Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

FCF Margin %

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-273.08

12.56

-88.06

-60.54

-35.12

Emerald Finance Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
FCF Margin %	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.00

BOM:538882 vs V, MA, AXP: FCF Margin % Comparison

For the Credit Services subindustry, Emerald Finance's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Emerald Finance's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Emerald Finance's FCF Margin % falls into.

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79GF Score

Emerald Finance Ltd BOM:538882

FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.

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Emerald Finance FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Emerald Finance's FCF Margin for the fiscal year that ended in Mar. 2026 is calculated as

FCF Margin	=	Free Cash Flow (A: Mar. 2026 )	/	Revenue (A: Mar. 2026 )
	=	-109.473	/	311.682
	=	-35.12 %

Emerald Finance's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin	=	Free Cash Flow (Q: Mar. 2026 )	/	Revenue (Q: Mar. 2026 )
	=	0	/	97.508
	=	0.00 %

Frequently Asked Questions Learn more about FCF Margin % →

What does a FCF Margin % of 0.00% mean?

Emerald Finance (BOM:538882) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Emerald Finance and its competitors. According to the industry distribution chart, Emerald Finance ranks #373 out of 530 companies in the Credit Services industry, placing it in the top 70.4%.

Is Emerald Finance's FCF Margin % too high?

Emerald Finance's current FCF Margin % is 0.00%. Based on the distribution chart, Emerald Finance ranks #373 out of 530 companies in the Credit Services industry, which is below the industry midpoint. 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 FCF Margin % compare to V and MA?

According to the Credit Services industry distribution chart, Emerald Finance ranks #373 out of 530 companies for FCF Margin %. This places Emerald Finance in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good FCF Margin % for a Credit Services company?

A good FCF Margin % depends on the Credit Services industry context. However, FCF Margin % 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 FCF Margin % mean?

A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Emerald Finance and its competitors. Emerald Finance's current FCF Margin % is 0.00%. 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 FCF Margin % is 0.00%. 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 FCF Margin % calculated?

FCF Margin % is calculated from a company's financial statements. For Emerald Finance (BOM:538882), the current FCF Margin % is 0.00% 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:

FCF Margin %: 0.00%
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

Industry Financial Services Credit Services

Comparable Companies BOM:533260 BOM:511066 BOM:539598 BOM:538714 BOM:540168 BOM:538540 BOM:531310 BOM:538476 BOM:511724 NSE:USHAFIN V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

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

Website https://www.emeraldfin.com

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

₹53.97

Price

₹94.55

GF Value

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