Emerald Finance

how big is Emerald Finance?

As of Jun 06, Emerald Finance Ltd has a market capitalization of 307.58 Cr, classified as a Micro Cap company, with recent net sales of 21.56 Cr and net profit of 8.90 Cr over the last four quarters. Shareholder's funds are 46.89 Cr, and total assets amount to 64.86 Cr as of the latest annual period ending Mar'24.

Market Cap: Emerald Finance Ltd has a market capitalization of 307.58 Cr and is classified as a Micro Cap company as of Jun 06.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters, which includes Mar'25, Dec'24, Sep'24, and Jun'24, is 21.56 Cr. The sum of Net Profit for the same period is 8.90 Cr. This data is consolidated.<BR><BR>Balance Sheet Snapshot: This is consolidated data for the latest annual period ending Mar'24. Shareholder's Funds are reported at 46.89 Cr, while Total Assets amount to 64.86 Cr.

Who are the top shareholders of the Emerald Finance?

The top shareholders of Emerald Finance include Sanjay Aggarwal with 32.38%, three foreign institutional investors holding 9.36%, and Investi Global Opportunity Fund Pcc - Cell1 at 7.62%. Individual investors own 24.91% of the shares, with no pledged promoter holdings or mutual fund investments.

The top shareholders of Emerald Finance include a mix of promoters and public investors. The majority shareholder is Sanjay Aggarwal, who holds 32.38% of the company. Additionally, there are three foreign institutional investors (FIIs) that collectively hold 9.36%. The highest public shareholder is Investi Global Opportunity Fund Pcc - Cell1, with a holding of 7.62%. Individual investors also have a significant stake, accounting for 24.91% of the total shares. There are no pledged promoter holdings, and mutual funds currently do not hold any shares in the company.

What does Emerald Finance do?

Emerald Finance Ltd is a Non Banking Financial Company (NBFC) focused on the micro-cap market, offering financial services since its incorporation in 1983. As of March 2025, it reported net sales of 6 Cr and a net profit of 3 Cr, with a market cap of Rs 309 Cr.

Overview: <BR>Emerald Finance Ltd is a Non Banking Financial Company (NBFC) operating in the micro-cap market segment.<BR><BR>History: <BR>Emerald Finance Limited was originally incorporated as 'Emerald Leasing Finance and Investment Company Limited' in 1983. The company was registered as an NBFC with the RBI on December 15, 2018, and changed its name to Emerald Finance Limited on April 24, 2023. The latest reported quarterly results indicate net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 6 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 3 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 309 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 33.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.11% <BR>Debt-Equity: 0.18 <BR>Return on Equity: 10.53% <BR>Price-to-Book: 3.49 <BR><BR>Contact Details: <BR>Address: 59 1st Floor, Uday Park Gautam Nagar New Delhi Delhi : 110049 <BR>Tel: 91-11-64645385 <BR>Email: emerald_finance@yahoo.com <BR>Website: http://www.emeraldfin.com

Who are in the management team of Emerald Finance?

As of March 2020, the management team of Emerald Finance includes Raman Aggarwal (Independent Director), Sanjay Aggarwal (Managing Director), Deepak Gaur (Independent Director), Amarjeet Kaur (Company Secretary), and Anubha Aggarwal (Director). They oversee the company's governance and operations.

As of March 2020, the management team of Emerald Finance includes the following individuals:<BR><BR>1. Raman Aggarwal - Independent Director<BR>2. Sanjay Aggarwal - Managing Director<BR>3. Deepak Gaur - Independent Director<BR>4. Amarjeet Kaur - Company Secretary<BR>5. Anubha Aggarwal - Director<BR><BR>These members play various roles within the company, contributing to its governance and operational management.

Has Emerald Finance declared dividend?

No Dividend History Available

Who are the peers of the Emerald Finance?

Emerald Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Alacrity Sec., Leading Lea. Fin, Trishakti Indus, Starteck Fin, and Sera Investments. In terms of management risk, Emerald Finance is rated below average, with its 1-year return at 190.50%, significantly higher than Jio Financial's -20.22%.

Peers: The peers of Emerald Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Alacrity Sec., Leading Lea. Fin, Trishakti Indus, Starteck Fin, and Sera Investments.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial and Alacrity Sec. Good management risk is noted at Shriram Finance and Leading Lea. Fin. Below Average management risk is present at Emerald Finance, Trishakti Indus, Starteck Fin, and Sera Investments. Growth is Excellent at Jio Financial, Trishakti Indus, and Leading Lea. Fin, while Good growth is seen at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, Emerald Finance, and Alacrity Sec. Average growth is noted at Muthoot Finance and Starteck Fin, with Below Average growth at Sera Investments. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Alacrity Sec., and Trishakti Indus, while Good capital structure is found at Cholaman.Inv.&Fn and Leading Lea. Fin, and Below Average at Emerald Finance, Starteck Fin, and Sera Investments.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Trishakti Indus at 222.36%, while the lowest is Jio Financial at -20.22%. Emerald Finance's 1-year return of 190.50% is significantly higher than Jio Financial's. Additionally, Alacrity Sec., Leading Lea. Fin, and Sera Investments have negative six-month returns.

What is the technical trend for Emerald Finance?

As of May 27, 2025, Emerald Finance's trend has shifted to a moderate bearish stance, supported by bearish MACD and RSI indicators, despite a mildly bullish signal from Bollinger Bands.

As of 27 May 2025, the technical trend for Emerald Finance has changed from mildly bearish to bearish. The current stance is bearish with a moderate strength. Key indicators driving this include a bearish MACD on the weekly chart and a bearish RSI on the monthly chart. The daily moving averages also confirm a bearish trend. While the Bollinger Bands show a mildly bullish signal on the monthly timeframe, the overall sentiment remains bearish due to the prevailing indicators. The Dow Theory indicates a mildly bearish stance on both weekly and monthly timeframes, further supporting the bearish outlook.

Are Emerald Finance latest results good or bad?

Emerald Finance's Q2 FY26 results are positive, with a net profit increase of 75.61% and revenue growth of 38.00%. However, the moderation in sequential revenue growth and a return on equity of 10.53% suggest caution regarding future sustainability.

Emerald Finance's latest results for Q2 FY26 can be considered quite positive overall. The company reported a net profit of ₹3.60 crores, which reflects a remarkable year-on-year increase of 75.61%. Additionally, revenue grew by 38.00% year-on-year, reaching ₹6.90 crores, marking the eighth consecutive quarter of sequential revenue growth. <BR><BR>The operating margin stands at an impressive 78.55%, showcasing strong operational efficiency, and the profit after tax margin is also robust at 52.17%. These metrics indicate that Emerald Finance is effectively managing its costs while generating substantial profits from its revenue.<BR><BR>However, there are some areas of concern. The sequential revenue growth has moderated to 2.83% compared to previous quarters, which could suggest a potential slowing in momentum. Furthermore, the company's return on equity (ROE) of 10.53% is adequate but still below the levels of industry leaders.<BR><BR>In summary, while Emerald Finance's latest financial results demonstrate strong profitability and growth, the moderation in revenue growth and the need for improved transparency regarding asset quality are factors to keep an eye on. Overall, the results are good, but caution is warranted regarding future growth sustainability.

How has been the historical performance of Emerald Finance?

Emerald Finance has experienced significant growth from Mar'21 to Mar'25, with net sales rising from 5.44 Cr to 21.57 Cr, operating profit increasing from 2.32 Cr to 15.07 Cr, and total assets expanding from 22.65 Cr to 105.71 Cr, indicating strong revenue and profitability improvements. Despite negative cash flow from operations, the company achieved a net cash inflow of 14.00 Cr in Mar'25.

Answer:<BR>Emerald Finance has shown significant growth in its historical performance, particularly in net sales and profit metrics over the past several years.<BR><BR>Breakdown:<BR>Emerald Finance's net sales have increased from 5.44 Cr in Mar'21 to 21.57 Cr in Mar'25, reflecting a strong upward trend. Total operating income has followed a similar trajectory, rising from 5.44 Cr in Mar'21 to 21.57 Cr in Mar'25. The operating profit (PBDIT) has also seen substantial growth, climbing from 2.32 Cr in Mar'21 to 15.07 Cr in Mar'25, with the operating profit margin improving from 42.65% to 69.59% during the same period. Profit before tax has increased from 1.89 Cr in Mar'21 to 12.09 Cr in Mar'25, while profit after tax has surged from 1.39 Cr to 8.89 Cr. The earnings per share (EPS) have risen from 1.54 in Mar'21 to 2.57 in Mar'25, indicating enhanced shareholder value. On the balance sheet, total assets have grown from 22.65 Cr in Mar'21 to 105.71 Cr in Mar'25, with total liabilities also increasing from 22.65 Cr to 105.71 Cr, primarily due to rising short-term borrowings. Cash flow from operating activities has been negative in recent years, but financing activities have generated significant inflows, resulting in a net cash inflow of 14.00 Cr in Mar'25, up from a net outflow of 3.00 Cr in Mar'24. Overall, Emerald Finance has demonstrated robust growth in revenue and profitability, alongside a notable increase in total assets and cash reserves.

Is Emerald Finance overvalued or undervalued?

As of December 2, 2025, Emerald Finance is considered undervalued with attractive valuation metrics, including a PE ratio of 22.72 and strong growth potential, despite a year-to-date stock performance lagging behind the Sensex.

As of 2 December 2025, the valuation grade for Emerald Finance has moved from fair to attractive, indicating a positive shift in its market perception. The company is currently assessed as undervalued, especially when considering its PE ratio of 22.72, an EV to EBIT of 14.95, and a PEG ratio of 0.28, which suggests strong growth potential relative to its price. <BR><BR>In comparison to its peers, Emerald Finance's valuation metrics stand out; for instance, Bajaj Finance is deemed very expensive with a PE ratio of 34.88, while Life Insurance is very attractive with a PE of 10.94. This positions Emerald Finance favorably within its industry, particularly given its solid ROCE of 18.57% and ROE of 13.13%. Despite recent stock performance lagging behind the Sensex, with a year-to-date return of -37.73% compared to the Sensex's 8.96%, the valuation metrics suggest that the stock presents a compelling investment opportunity at its current price of 78.40.

When is the next results date for Emerald Finance Ltd?

The next results date for Emerald Finance Ltd is 16 January 2026.

The next results date for Emerald Finance Ltd is scheduled for 16 January 2026.

Should I buy, sell or hold Emerald Finance Ltd?

Why is Emerald Finance Ltd falling/rising?

As of 05-May, Emerald Finance Ltd's stock price is at 63.76, down 5.05%, and has underperformed its sector. The stock has a year-to-date decline of 19.80% and a significant drop of 39.36% over the past year, indicating a troubling trend despite long-term growth.

As of 05-May, Emerald Finance Ltd's stock price is falling, currently at 63.76, which reflects a decrease of 3.39 or 5.05%. The stock has underperformed its sector by 4.68% today and has experienced a trend reversal after two consecutive days of gains. Additionally, the stock reached an intraday low of Rs 63, marking a decline of 6.18%. <BR><BR>In terms of performance over different periods, the stock has seen a significant year-to-date decline of 19.80%, which is notably worse than the Sensex's decline of 9.63%. Over the past year, the stock has decreased by 39.36%, while the Sensex has only fallen by 4.68%. Although the stock has shown strong growth over the longer term, with increases of 171.90% over three years and 341.25% over five years, the recent short-term performance indicates a troubling trend.<BR><BR>Moreover, while there has been a rise in investor participation, with a 20.73% increase in delivery volume on May 4 compared to the five-day average, the overall market sentiment appears to be negative, contributing to the stock's decline. The moving averages indicate that the stock is currently lower than the 20-day, 100-day, and 200-day moving averages, which further suggests a bearish trend.

Which are the latest news on Emerald Finance?