Emerald Finance (BOM:538882) FCF Yield %: -5.74 (As of Jul. 08, 2026)


BOM:538882 Emerald Finance Ltd BOM:538882
82 GF Score
Price ₹55.26
GF Value ₹95.15
Valuation Possible Value Trap
! 2 Warning Signs
View Full Analysis

What is Emerald Finance FCF Yield %?

Emerald Finance BOM:538882 +0.51% 82 FCF Yield % is -5.74 as of Jul. 08, 2026. GuruFocus rates BOM:538882 with a GF Score™ of 82/100 and a GF Value™ of ₹95.15 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 539 Credit Services companies, Emerald Finance ranks worse than 64.94% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Emerald Finance's Trailing 12-Month Free Cash Flow is ₹-109.5 Mil, and Market Cap is ₹1,908.7 Mil. Therefore, Emerald Finance's FCF Yield % for today is -5.74%.

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

BOM:538882' s FCF Yield % Range Over the Past 10 Years
Min: -5.84   Med: 0   Max: 0
Current: -5.74


BOM:538882's FCF Yield % is ranked worse than
64.94% of 539 companies
in the Credit Services industry
Industry Median: -0.16 vs BOM:538882: -5.74

Emerald Finance's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.


Emerald Finance FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Emerald Finance FCF Yield % Related Terms


Emerald Finance FCF Yield % Historical Data

* Premium members only.

The historical data trend for Emerald Finance's FCF Yield % 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 Yield % Chart

Emerald Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -48.43 2.04 -10.64 -3.72 -6.84

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 Yield % 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 0.00 0.00 0.00 0.00 0.00

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

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

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

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


BOM:538882
82GF Score
Emerald Finance Ltd BOM:538882
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Emerald Finance FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

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

FCF Yield %=Free Cash Flow / Market Cap
=-109.473 / 1599.5474
=-6.84%

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

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=0 * 4 / 1599.5474
=0.00%

* 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 FCF Yield % →
What does a FCF Yield % of -5.74 mean?
Emerald Finance (BOM:538882) has a FCF Yield % of -5.74 as of Jul. 08, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Emerald Finance and its competitors. According to the industry distribution chart, Emerald Finance ranks #350 out of 539 companies in the Credit Services industry, placing it in the top 64.9%.
Is Emerald Finance's FCF Yield % too high?
Emerald Finance's current FCF Yield % is -5.74. Based on the distribution chart, Emerald Finance ranks #350 out of 539 companies in the Credit Services industry, which is below the industry midpoint. Overall, Emerald Finance has a GF Score™ of 82/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Emerald Finance's FCF Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Emerald Finance ranks #350 out of 539 companies for FCF Yield %. 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 Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Emerald Finance and its competitors. Emerald Finance's current FCF Yield % is -5.74. 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 ₹95.15, compared to a current price of ₹55.26 — trading 41.9% below its estimated fair value. The current FCF Yield % is -5.74. Emerald Finance's overall GF Score™ is 82/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Emerald Finance (BOM:538882), the current FCF Yield % is -5.74 as of Jul. 08, 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 ₹55.26 is trading 41.9% below its estimated GF Value™ of ₹95.15. GuruFocus considers Emerald Finance to be Possible Value Trap.

Key valuation signals for BOM:538882:

  • FCF Yield %: -5.74
  • GF Value™: ₹95.15 vs. price of ₹55.26 (41.9% below fair value)
  • GF Score™: 82/100 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.
82GF Score

Get the complete analysis for BOM:538882

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

₹55.26
Price
₹95.15
GF Value