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:
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-108.65 (-0.42%)
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Nifty
Sensex
:
:
25959.50
84900.71
-108.65 (-0.42%)
-331.21 (-0.39%)

Emerald Finance Ltd.

Finance - NBFC

Rating :
49/99

BSE: 538882 | NSE: Not Listed

NSE BSE
83.82
24-Nov-2025
  • Open
  • High
  • Low
  • Previous Close
  •  86.28
  •  88.69
  •  83
  •  86.26
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  66275
  •  5605091
  •  88.69
  •  0

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 289.52
  • 24.28
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 299.98
  • 0.18%
  • 3.19

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 59.50%
  • 4.73%
  • 32.51%
  • FII
  • DII
  • Others
  • 1.74%
  • 0.00%
  • 1.52%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 39.55
  • 31.72
  • 23.29

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 57.63
  • 44.56
  • 21.94

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 56.64
  • 44.94
  • 36.70

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 24.81
  • 27.05
  • 26.26

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.08
  • 2.38
  • 3.03

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 16.24
  • 18.52
  • 19.17

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Net Sales
6.90
5.00
38.00%
6.71
4.40
52.50%
6.45
3.89
65.81%
5.72
3.42
67.25%
Expenses
1.48
1.51
-1.99%
1.79
1.45
23.45%
1.96
1.81
8.29%
1.65
1.40
17.86%
EBITDA
5.42
3.50
54.86%
4.92
2.94
67.35%
4.49
2.07
116.91%
4.07
2.02
101.49%
EBIDTM
78.53%
69.92%
73.31%
66.99%
69.58%
53.31%
71.12%
59.17%
Other Income
0.00
0.01
-100.00%
0.03
0.01
200.00%
0.04
0.02
100.00%
0.02
0.01
100.00%
Interest
0.61
0.76
-19.74%
0.68
0.66
3.03%
0.71
0.50
42.00%
0.77
0.43
79.07%
Depreciation
0.00
0.00
0
0.00
0.00
0
0.08
0.06
33.33%
0.00
0.00
0
PBT
4.81
2.75
74.91%
4.27
2.29
86.46%
3.75
1.52
146.71%
3.31
1.59
108.18%
Tax
1.21
0.69
75.36%
1.07
0.58
84.48%
1.10
0.38
189.47%
0.83
0.41
102.44%
PAT
3.60
2.05
75.61%
3.19
1.71
86.55%
2.65
1.14
132.46%
2.48
1.19
108.40%
PATM
52.19%
41.06%
47.54%
38.95%
41.09%
29.28%
43.33%
34.74%
EPS
1.04
0.63
65.08%
0.92
0.57
61.40%
0.77
0.38
102.63%
0.73
0.39
87.18%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Sales
25.78
21.57
13.34
11.51
8.46
5.44
7.82
6.70
4.37
1.73
0.77
Net Sales Growth
54.28%
61.69%
15.90%
36.05%
55.51%
-30.43%
16.72%
53.32%
152.60%
124.68%
 
Cost Of Goods Sold
-0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
25.79
21.57
13.34
11.51
8.46
5.44
7.82
6.70
4.37
1.73
0.77
GP Margin
100.05%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
6.88
6.42
6.25
5.89
4.54
3.04
5.75
4.90
3.56
1.44
0.61
Power & Fuel Cost
-
0.00
0.00
0.00
0.02
0.02
0.02
0.02
0.02
0.00
0.00
% Of Sales
-
0%
0%
0%
0.24%
0.37%
0.26%
0.30%
0.46%
0%
0%
Employee Cost
-
3.77
2.02
1.02
1.05
0.93
1.04
0.55
0.61
0.44
0.33
% Of Sales
-
17.48%
15.14%
8.86%
12.41%
17.10%
13.30%
8.21%
13.96%
25.43%
42.86%
Manufacturing Exp.
-
1.60
2.56
3.22
2.64
1.54
4.15
3.99
2.62
0.73
0.11
% Of Sales
-
7.42%
19.19%
27.98%
31.21%
28.31%
53.07%
59.55%
59.95%
42.20%
14.29%
General & Admin Exp.
-
0.95
1.32
1.36
0.68
0.52
0.44
0.33
0.30
0.19
0.14
% Of Sales
-
4.40%
9.90%
11.82%
8.04%
9.56%
5.63%
4.93%
6.86%
10.98%
18.18%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
0.10
0.35
0.29
0.17
0.05
0.12
0.04
0.03
0.08
0.00
% Of Sales
-
0.46%
2.62%
2.52%
2.01%
0.92%
1.53%
0.60%
0.69%
4.62%
5.19%
EBITDA
18.90
15.15
7.09
5.62
3.92
2.40
2.07
1.80
0.81
0.29
0.16
EBITDA Margin
73.31%
70.24%
53.15%
48.83%
46.34%
44.12%
26.47%
26.87%
18.54%
16.76%
20.78%
Other Income
0.09
0.06
0.02
0.04
0.05
0.01
0.05
0.02
0.01
0.00
0.00
Interest
2.77
3.05
1.47
0.90
0.55
0.47
0.45
0.16
0.04
0.00
0.00
Depreciation
0.08
0.08
0.06
0.03
0.04
0.03
0.03
0.03
0.02
0.01
0.00
PBT
16.14
12.09
5.58
4.74
3.38
1.91
1.64
1.63
0.76
0.27
0.15
Tax
4.21
3.20
1.44
1.19
0.87
0.50
0.35
0.44
0.20
0.08
0.05
Tax Rate
26.08%
26.47%
25.81%
25.48%
25.97%
26.46%
21.34%
26.99%
26.32%
29.63%
33.33%
PAT
11.92
8.89
4.14
3.48
2.48
1.39
1.29
1.18
0.56
0.19
0.10
PAT before Minority Interest
11.92
8.89
4.14
3.48
2.48
1.39
1.29
1.18
0.56
0.19
0.10
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
46.24%
41.21%
31.03%
30.23%
29.31%
25.55%
16.50%
17.61%
12.81%
10.98%
12.99%
PAT Growth
95.73%
114.73%
18.97%
40.32%
78.42%
7.75%
9.32%
110.71%
194.74%
90.00%
 
EPS
3.46
2.58
1.20
1.01
0.72
0.40
0.37
0.34
0.16
0.06
0.03

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
84.53
46.89
43.44
37.86
16.16
14.91
13.94
5.31
4.18
3.24
Share Capital
34.54
30.14
30.14
29.04
9.04
9.04
9.04
3.04
3.04
3.04
Total Reserves
49.99
16.74
13.29
8.82
6.87
5.87
4.89
2.27
1.14
0.20
Non-Current Liabilities
15.59
14.54
5.37
3.84
2.68
2.58
0.93
0.83
0.00
0.00
Secured Loans
15.31
13.52
4.34
2.99
2.02
0.00
0.00
0.00
0.00
0.00
Unsecured Loans
0.29
1.01
1.03
0.86
0.66
2.59
0.94
0.83
0.00
0.00
Long Term Provisions
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Current Liabilities
4.09
2.40
2.35
3.56
3.38
1.75
1.01
1.00
0.36
0.09
Trade Payables
0.00
0.00
0.08
0.26
0.00
0.00
0.00
0.00
0.00
0.00
Other Current Liabilities
0.52
0.65
0.87
1.32
2.87
1.38
0.57
0.80
0.28
0.05
Short Term Borrowings
0.00
0.00
0.00
1.00
0.00
0.00
0.00
0.00
0.00
0.00
Short Term Provisions
3.57
1.75
1.40
0.97
0.52
0.38
0.45
0.20
0.08
0.05
Total Liabilities
105.71
64.87
51.99
45.83
22.63
19.58
16.09
7.32
4.71
3.33
Net Block
0.64
0.50
0.11
0.07
0.05
0.08
0.08
0.04
0.03
0.02
Gross Block
0.98
0.76
0.31
0.24
0.18
0.18
0.08
0.04
0.03
0.03
Accumulated Depreciation
0.34
0.26
0.20
0.17
0.13
0.10
0.00
0.00
0.00
0.02
Non Current Assets
0.73
0.55
0.58
0.37
0.05
0.08
0.08
0.04
0.03
0.02
Capital Work in Progress
0.04
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
0.05
0.05
0.47
0.30
0.00
0.00
0.00
0.00
0.00
0.00
Long Term Loans & Adv.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Non Current Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Current Assets
104.94
64.22
51.24
45.26
22.39
19.30
15.94
7.20
4.68
3.30
Current Investments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
2.11
1.66
0.68
0.70
0.43
0.93
1.25
1.24
0.32
0.32
Cash & Bank
17.55
2.97
6.55
1.98
4.09
1.59
4.31
1.77
0.42
0.03
Other Current Assets
85.27
3.78
0.82
5.88
17.88
16.78
10.38
4.19
3.94
2.96
Short Term Loans & Adv.
81.94
55.81
43.19
36.71
17.18
16.78
10.38
4.19
3.92
2.96
Net Current Assets
100.85
61.82
48.90
41.70
19.01
17.55
14.93
6.20
4.32
3.21
Total Assets
105.71
64.87
51.97
45.84
22.63
19.58
16.09
7.32
4.71
3.34

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
-13.35
-11.29
1.51
-23.08
2.58
-3.71
-4.94
0.08
-0.48
0.00
PBT
12.09
5.58
4.74
3.38
1.91
1.64
1.63
0.76
0.27
0.00
Adjustment
-0.99
-0.37
-0.73
-0.66
-0.37
-0.01
-0.38
-0.13
-0.06
0.00
Changes in Working Capital
-24.45
-16.50
-2.49
-25.80
1.04
-5.34
-6.19
-0.56
-0.69
0.00
Cash after chg. in Working capital
-13.35
-11.29
1.51
-23.08
2.58
-3.71
-4.94
0.08
-0.48
0.00
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-0.26
-0.03
-0.24
-0.43
-0.05
-0.22
-0.07
-0.09
-0.92
0.00
Net Fixed Assets
-0.07
-0.06
0.00
0.00
0.00
-0.04
-0.02
0.01
0.00
Net Investments
0.00
0.42
-0.17
-0.30
0.00
0.00
0.00
0.00
-0.89
Others
-0.19
-0.39
-0.07
-0.13
-0.05
-0.18
-0.05
-0.10
-0.03
Cash from Financing Activity
28.19
7.74
3.30
21.40
-0.04
1.21
7.55
1.36
1.80
0.00
Net Cash Inflow / Outflow
14.58
-3.58
4.57
-2.11
2.49
-2.72
2.54
1.35
0.40
0.00
Opening Cash & Equivalents
2.97
6.55
1.98
4.09
1.59
4.31
1.77
0.42
0.03
0.00
Closing Cash & Equivalent
17.55
2.97
6.55
1.98
4.09
1.59
4.31
1.77
0.42
0.00

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value (Rs.)
24.46
15.52
14.36
12.96
17.38
12.79
12.06
7.70
6.15
4.74
ROA
10.42%
7.08%
7.11%
7.23%
6.60%
7.23%
10.12%
9.38%
4.77%
3.19%
ROE
13.54%
9.19%
8.59%
9.27%
9.16%
9.03%
12.40%
11.99%
5.19%
3.28%
ROCE
18.76%
12.82%
12.21%
12.76%
13.14%
13.02%
17.16%
15.67%
7.44%
4.84%
Fixed Asset Turnover
24.83
25.02
42.24
39.85
30.01
61.13
112.57
118.21
52.92
33.12
Receivable days
31.86
31.95
21.87
24.38
45.51
50.87
67.91
65.17
67.25
119.52
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash Conversion Cycle
31.86
31.95
21.87
24.38
45.51
50.87
67.91
65.17
67.25
119.52
Total Debt/Equity
0.18
0.31
0.12
0.13
0.17
0.18
0.07
0.16
0.00
0.00
Interest Cover
4.97
4.79
6.21
7.05
5.01
4.64
11.05
18.98
172.13
72.77

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • Emerald Finance partners with E3 Polymerse Industries
    24th Nov 2025, 15:15 PM

    This product entails tying up with employers to offer short term loans as salary advance

    Read More
  • Emerald Finance partners with M/S Gaurav Enterprises
    12th Nov 2025, 16:30 PM

    This partnership aims to provide an instant financial relief to the employees by allowing them to access part of their salaries seamlessly throughout the month

    Read More
  • Emerald Finance partners with Yuvraaj Hygiene products
    22nd Sep 2025, 16:30 PM

    This partnership aims to provide an instant financial relief to the employees by allowing them to access part of their salaries seamlessly throughout the month

    Read More
  • Emerald Finance partners with Interactive Tradex India
    19th Sep 2025, 17:25 PM

    This partnership aims to provide an instant financial relief to the employees by allowing them to access part of their salaries seamlessly throughout the month

    Read More
  • Emerald Finance partners with Research Mantra
    11th Sep 2025, 14:22 PM

    This partnership aims to provide an instant financial relief to the employees by allowing them to access part of their salaries seamlessly throughout the month

    Read More
  • Emerald Finance inks pact with Router Operations Consulting, Noida
    10th Sep 2025, 12:30 PM

    The partnership aims to offer its Early-Wage-Access program to the employees of the company

    Read More
  • Emerald Finance partners with Zillious Solutions
    5th Sep 2025, 16:14 PM

    This partnership aims to provide an instant financial relief to the employees by allowing them to access part of their salaries seamlessly throughout the month

    Read More
  • Emerald Finance partners with Delphi World Money, Mumbai
    1st Sep 2025, 17:15 PM

    The company, in line with its vision to expand its offerings and to serve retail customers at large had been working on a salary advance solution

    Read More
  • Emerald Finance partners with EBIX INSURETECH
    28th Aug 2025, 14:39 PM

    The partnership aims to provide an instant financial relief to the employees by allowing them to access part of their salaries seamlessly throughout the month

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.