Emerald Finance (BOM:538882) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:538882 Emerald Finance Ltd BOM:538882
82 GF Score
Price ₹57.01
GF Value ₹95.64
Valuation Possible Value Trap
! 2 Warning Signs
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What is Emerald Finance Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

BOM:538882
82GF Score
Emerald Finance Ltd BOM:538882
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Emerald Finance (BOM:538882) Overvalued in 2026?

Based on GuruFocus' analysis, Emerald Finance stock appears to be undervalued. The current stock price of ₹57.01 is trading 40.4% below its estimated GF Value™ of ₹95.64. GuruFocus considers Emerald Finance to be Possible Value Trap.

Key valuation signals for BOM:538882:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: ₹95.64 vs. price of ₹57.01 (40.4% 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

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹57.01
Price
₹95.64
GF Value