The historical rank and industry rank for Emerald Finance's OCF Margin % or its related term are showing as below:
BOM:538882'
s OCF Margin % Range Over the Past 10 Years
Min: -272.43 Med: -39.89 Max: 47.29
Current: -32.39
During the past 13 years, the highest OCF Margin % of Emerald Finance was 47.29%. The lowest was -272.43%. And the median was -39.89%.
BOM:538882's OCF Margin % is ranked worse than 71.13% of 530
companies
in the Credit Services industry
Industry Median: 2.225
vs BOM:538882: -32.39
Emerald Finance OCF Margin % Related Terms
Emerald Finance OCF Margin % Historical Data
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The historical data trend for Emerald Finance's OCF 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.
For the Credit Services subindustry, Emerald Finance's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Emerald Finance's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Emerald Finance's OCF 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 OCF Margin % of 0.00% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Emerald Finance and its competitors. According to the industry distribution chart, Emerald Finance ranks #377 out of 530 companies in the Credit Services industry, placing it in the top 71.1%.
Is Emerald Finance's OCF Margin % too high?
Emerald Finance's current OCF Margin % is 0.00%. Based on the distribution chart, Emerald Finance ranks #377 out of 530 companies in the Credit Services industry, which is below the industry midpoint. Overall, Emerald Finance has a GF Score™ of 77/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Emerald Finance's OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Emerald Finance ranks #377 out of 530 companies for OCF Margin %. This places Emerald Finance in the lower half of its industry. The industry median OCF Margin % is 2.23. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.23, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Emerald Finance and its competitors. For the Credit Services industry, the median OCF Margin % is 2.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emerald Finance's current OCF 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 ₹94.85, compared to a current price of ₹55.44 — trading 41.5% below its estimated fair value. The current OCF Margin % is 0.00%. Emerald Finance's overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Emerald Finance (BOM:538882), the current OCF 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 ₹55.44 is trading 41.5% below its estimated GF Value™ of ₹94.85.
GuruFocus considers Emerald Finance to be Possible Value Trap.
Key valuation signals for BOM:538882:
OCF Margin %: 0.00%
GF Value™: ₹94.85 vs. price of ₹55.44 (41.5% below fair value)
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.
77GF Score
Get the complete analysis for BOM:538882
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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