EMERALD

Emerald Finance Ltd.

BSE: 538882

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

55.00-2.6 (-4.50%)

8 Oct, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

43.9 / 100

Value Score

53.9 / 100

Price Momentum Score

17.8 / 100

QVM Score

23.2 / 100

Key Metrics

Market Cap

189.97

P/E (TTM)

11.47

P/B

1.97

P/S (TTM)

5.61

EV/EBITDA

7.76

CAPE (5Y)

23.58

ROE (TTM)

16.72

ROCE (TTM)

21.32

ROA (TTM)

13.38

Avg 3Y ROE

13.14

Earnings 3Y CAGR

56.38

Sales 3Y CAGR

41.03

Sales 5Y CAGR

53.28

Debt/Equity

0.18

Consensus TP

Strong Buy %

Promoter Holding

59.70

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Emerald Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

High and improving ROE

The company reported strong ROE of 16.72% for 12-month ended 30 Jun 2026 and ROE improved by 319 bps from 1 year ago

What is ROE (FY)?

High and improving operating margin

The company reported strong operating margin of 76.1% for 12-month ended 30 Jun 2026 and operating margin improved by 534 bps from 1 year ago

What is Operating profit margin?

Strong revenue growth and above median growth of industry

The company delivered strong revenue growth of 41.85% for 12-month ended 30 Jun 2026 and the growth was 29.72 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 12.13

Value 41.85

-2151.9255312.3

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 63.21% for 12-month ended 30 Jun 2026 and the growth was 62.3 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Low Debt to Equity, not much change from last year

The company has low Debt to Equity of 0.18 as on 30 Jun 2026 and Debt to Equity remained same in the last 1 year

What is Debt to Equity?

Consistently pays dividend

The company has not missed dividend payments once in the last 5 financial years

What is Dividend streak?

Negative

Weak price momentum

Price Momentum score of 17.8 indicates that the stock has weak price momentum. Research has shown that stocks with lower momentum continue to underperform in the near term

What is Price Momentum score?

17.8 / 100

Low dividend yield

The company has a low dividend yield of 0.18%

What is Dividend yield?

Neutral

Looks cheap but is at a premium to industry median P/B

PB of 1.97 indicates that the stock is cheap on a standalone basis but is at a 80.73% premium to industry median P/B

What is P/B Ratio?

Median: 1.09

Value 1.97

053.21

Financial Snapshot

See detailed analysis

Multi-year trends for Emerald Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Emerald Finance Ltd. Shareholding Pattern

Quarterly breakdown of Emerald Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Promoter	66.42	66.42	66.42	66.42	66.42	73.26	73.26	73.26	72.51	70.36	70.36	67.80	67.80	67.80	67.80	67.80	67.80	67.80	62.35	60.51	59.50	59.50	59.50	59.50	59.70	59.70
Indian Promoter	66.42	66.42	66.42	66.42	66.42	73.26	73.26	73.26	72.51	70.36	70.36	67.80	67.80	67.80	67.80	67.80	67.80	67.80	62.35	60.51	59.50	59.50	59.50	59.50	59.70	59.70
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	-	-	-	-	-	-	-	-	-	-	0.00	0.66	0.71	0.71	0.71	1.31	1.31	1.31	9.16	9.78	9.36	5.96	1.74	1.74	1.78	1.78
Mutual Funds / UTI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FI/Bank/Insurance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.66	0.71	0.71	0.71	1.31	1.31	1.31	9.16	9.78	9.36	5.96	1.74	1.74	1.78	1.78
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Non-Institution	33.58	33.58	33.58	33.58	33.58	26.74	26.74	26.74	27.49	29.64	29.64	31.54	31.50	31.49	31.50	30.90	30.90	30.90	28.49	29.71	31.15	34.54	38.76	38.76	38.52	38.52
Bodies Corporate	9.01	9.01	9.01	9.05	9.20	5.66	5.55	5.10	5.19	5.36	5.35	8.33	8.42	8.35	7.80	5.94	5.89	5.70	4.47	4.81	4.93	4.64	4.73	4.46	4.13	4.11
Others (incl. Retail) No. of shareholders	24.57 696	24.57 701	24.57 722	24.53 747	24.38 955	21.08 1,084	21.19 1,166	21.64 1,375	22.30 1,471	24.28 1,687	24.29 2,126	23.21 2,483	23.08 2,951	23.14 3,268	23.70 3,472	24.96 4,185	25.01 4,307	25.20 4,305	24.02 6,381	24.90 8,333	26.22 9,848	29.90 10,250	34.03 10,949	34.30 11,188	34.39 10,814	34.41 10,443

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Emerald Finance Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
ANUBHA AGGARWAL Promoter & Director	March-2026	Market Purchase (Acquisition) 19th Mar 2026	22.28 %	₹ 47.00	342.00	₹ 16.07 k
ANUBHA AGGARWAL Promoter & Director	March-2026	Market Purchase (Acquisition) 19th Mar 2026	22.28 %	₹ 48.85	9.70 k	₹ 4.74 lac
ANUBHA AGGARWAL Promoter & Director	March-2026	Market Purchase (Acquisition) 16th Mar 2026	22.25 %	₹ 48.50	4.00 k	₹ 1.94 lac
ANUBHA AGGARWAL Promoter & Director	March-2026	Market Purchase (Acquisition) 16th Mar 2026	22.27 %	₹ 47.10	6.00 k	₹ 2.83 lac
ANUBHA AGGARWAL Promoter & Director	March-2026	Market Purchase (Acquisition) 13th Mar 2026	22.17 %	₹ 49.69	10.00 k	₹ 4.97 lac
ANUBHA AGGARWAL Promoter & Director	March-2026	Market Purchase (Acquisition) 13th Mar 2026	22.20 %	₹ 49.60	10.00 k	₹ 4.96 lac
ANUBHA AGGARWAL Promoter & Director	March-2026	Market Purchase (Acquisition) 13th Mar 2026	22.22 %	₹ 49.00	10.00 k	₹ 4.90 lac
ANUBHA AGGARWAL Promoter & Director	February-2026	Market Purchase (Acquisition) 9th Feb 2026	22.11 %	₹ 62.95	5.00 k	₹ 3.15 lac
ANUBHA AGGARWAL Promoter & Director	February-2026	Market Purchase (Acquisition) 9th Feb 2026	22.12 %	₹ 64.40	5.00 k	₹ 3.22 lac
ANUBHA AGGARWAL Promoter & Director	February-2026	Market Purchase (Acquisition) 9th Feb 2026	22.14 %	₹ 64.40	5.00 k	₹ 3.22 lac

Corporate Actions

History of Emerald Finance Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 0.10/share
Record date: 23rd Sep 2026Ex-date: 23rd Sep 2026
Announced on: 27th May 2026
Dividend₹ 0.09/share
Record date: 23rd Sep 2025Ex-date: 23rd Sep 2025
Announced on: 22nd May 2025
Dividend₹ 0.06/share
Record date: 31st Jan 2025Ex-date: 31st Jan 2025
Announced on: 19th Jan 2025
Dividend₹ 0.10/share
Record date: 23rd Sep 2024Ex-date: 23rd Sep 2024
Announced on: 23rd May 2024
Dividend₹ 0.10/share
Record date: 23rd Sep 2023Ex-date: 22nd Sep 2023
Announced on: 19th May 2023

Company Profile

Overview of Emerald Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Emerald Finance Limited is an India-based non-banking finance company. The Company is engaged in the business of retail and Micro, Small & Medium Enterprises (MSME) lending. The Company offers a range of financial products and services including its flagship Earned Wage Access (EWA). EWA is designed...

Incorporated on

22 Nov 1983

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

IPO date

13 Jan 2015

Free Float

1,21,77,303

Website

https://www.emeraldfin.com/

Phone no.

+911724005659

Address

S.C.O. 7, Industrial Area Phase II, CHANDIGARH, 160002, India

Frequently Asked Questions

What is the current share price of Emerald Finance Ltd.?

The current share price of Emerald Finance Ltd. is ₹ 55.00 as of 8 Oct 2026.

What is the market capitalisation of Emerald Finance Ltd.?

The market capitalisation of Emerald Finance Ltd. stands at ₹ 189.97 Cr.

What is the PE ratio of Emerald Finance Ltd.?

The Price-to-Earnings (PE) ratio of Emerald Finance Ltd. is 11.47 as of the latest trailing twelve months data.

What is the ROE and ROCE of Emerald Finance Ltd.?

Emerald Finance Ltd. has a Return on Equity (ROE) of 16.72% and a Return on Capital Employed (ROCE) of 21.32% as per the latest financial reports.

What is the 52-week high and low of Emerald Finance Ltd.?

The 52-week high of Emerald Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of Emerald Finance Ltd.?

The dividend yield of Emerald Finance Ltd. is 0.18% based on the current market price.

What is the FII and DII holding in Emerald Finance Ltd.?

Foreign Institutional Investors (FII) hold 1.78%, Domestic Institutional Investors (DII) hold 0.00% and retail/public investors hold 34.41% of Emerald Finance Ltd. shares.

What sector does Emerald Finance Ltd. belong to?

Emerald Finance Ltd. operates in the Financial Services sector.

What is the beta of Emerald Finance Ltd.?

The beta of Emerald Finance Ltd. is 1.48, indicating its price volatility relative to the broader market. Over the past 1 year, Emerald Finance Ltd. has delivered an absolute return of -27.09%.

What is the RSI of Emerald Finance Ltd.?

The 14-day Relative Strength Index (RSI) of Emerald Finance Ltd. is 39.71, placing it approaching oversold territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

Emerald Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Emerald Finance Ltd. Shareholding Pattern

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Company Profile

Corporate Actions