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Emerald Finance Limited

Emerald Finance Limited

BBSE:EMERALD
50.45
INR
-2.30
(-4.36%)
4.87EPS
11.57P/E
1.87BMarket Cap
Emerald Finance Limited
BSE:EMERALD
(Bombay Stock Exchange)

Recent

price

50.45

P/E

ratio

11.57

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
0.51
1.3
1.13
1.45
11.29
5.83
8.65
6.03
2.92
3.82
4.43
6.25
9.02
10.01
Revenue per Share
0.09
0.13
0.15
0.16
1.46
1.03
1.43
1.54
0.85
1.15
1.37
2.44
4.19
4.68
Basic EPS, GAAP
-3.25
-0.11
- -
-0.43
0.13
-4.35
-4.14
2.84
-7.97
0.48
-3.9
-3.78
-3.17
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.15
0.09
- -
Dividend per Share
4.48
4.62
4.77
6.15
7.81
12.12
12.97
17.87
13.04
14.62
15.83
24.47
27.97
- -
Book Value per Share
4.48
4.62
4.77
6.15
7.81
12.12
12.97
17.87
12.96
14.57
15.8
24.45
27.96
- -
Tangible Book Value per Share
7
7
7
12
4
12
9
9
29
30
30
35
35
34
Basic Weighted Avg Shares
3
9
8
17
44
67
78
55
85
115
133
216
312
337
Sales/Revenue/Turnover
24.54
15.21
19.64
19.85
17.64
24.6
22.45
37.42
41.99
43.93
44.78
56.13
66.96
66.43
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
2
2
Depreciation Expense
1
1
1
2
6
12
13
14
25
35
41
84
145
157
Net Income, GAAP
30.9
30.9
31.23
29.88
25.78
27.25
21.29
26.3
26.06
25.58
25.84
25.56
25.62
25.69
Effective Tax Rate (%)
18.27
10.28
13.51
11.1
12.9
17.67
16.5
25.57
29.21
30.18
31.01
39.08
46.43
46.73
Profit Margin (%)
30
31
32
43
63
150
178
192
393
475
612
977
1,146
- -
Working Capital
- -
- -
- -
- -
8
9
26
27
38
40
139
156
171
- -
LT Debt
30
31
32
43
55
141
153
166
384
443
479
860
988
- -
Total Equity
- -
2.9
3.21
4.98
10.04
10.53
7.49
7.53
7.39
7.15
7.23
10.39
13.49
- -
Return on Invested Capital (%)
- -
2.95
3.28
5.09
10.58
11.07
7.88
7.82
7.54
7.26
7.43
9.75
12.79
- -
Return on Capital (%)
- -
2.94
3.26
5.17
11.89
12.31
8.95
8.97
9.16
8.48
9.02
12.75
15.98
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
171
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
35
35
35
Market Capitalization
2,746
1,600
1,869

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
1,193
- -
Cash, Cash Equivalents & STI
- -
50
- -
Accounts Receivable, Net
- -
30
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
47
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
48.41%
49.93%
14.84%
Free Cash Flow
- -
-404.97%
-16.19%
Net Income, GAAP
71.76%
62.49%
71.66%
Sales/Revenue/Turnover
53.03%
42.68%
44.47%
Total Cash Common Dividend
- -
- -
-41.38%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
44
50
57
65
216
2026
67
- -
78
98
312
2027
94
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.57
0.63
0.73
0.74
2.44
2026
0.92
- -
1.16
1.17
4.19
2027
1.44
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.15
2026
- -
- -
- -
- -
0.09
2027
- -
- -
- -
- -
- -
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Business
Emerald Leasing Finance and Investment Company Limited operates as a non-banking financial company (NBFC) primarily engaged in retail and micro, small, and medium enterprise (MSME) lending across India. The company’s core products and services include personal loans, business loans, and financing solutions tailored for MSME and retail customers. It also offers loan origination services through its wholly-owned subsidiary, Eclat Net Advisors Private Limited, which acts as a platform for more than 40 financial institutions. Additionally, Emerald Finance provides innovative financial service offerings such as an on-demand salary access program known as Early Wage Access aimed at enhancing employee financial wellness. Headquartered in Chandigarh, India, the company was founded in 1983 and has built a reputation for catering to underserved lending segments with a focus on personalized financial solutions. In the recent two years, Emerald Leasing Finance and Investment Company Limited underwent strategic transformations including a rebranding from Emerald Leasing Finance and Investment Company Limited to Emerald Finance Limited, reflecting a broader strategic shift in business focus and market positioning. The company has expanded its product portfolio to include newer personal and business loan options and strengthened its digital lending platform. Furthermore, it has continued to increase operational scale by deepening partnerships with financial institutions and enhancing its loan origination capabilities. Emerald has emphasized improving customer engagement and financial product accessibility through technology-driven initiatives while maintaining steady growth in loan disbursal and asset quality. These changes align with the company’s goal to establish itself as a comprehensive NBFC serving retail and MSME sectors across India. Emerald Finance operates within the financial services industry targeting retail customers and MSMEs in India with a spectrum of lending products, investment services, insurance products, and wealth management solutions. It leverages its subsidiary to extend its market reach and optimize financial service delivery. The company's recent strategic moves also include a focus on capital structure optimization and enhancing financial flexibility to support growth initiatives and operational sustainability. Through continuous innovation and product expansion, Emerald Finance is positioning itself as a key player in India’s growing NBFC sector, catering to diverse client needs with a comprehensive product suite and strengthened market partnerships.