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:
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124.55 (0.49%)
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Nifty
Sensex
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:
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83952.19
124.55 (0.49%)
484.53 (0.58%)

Emerald Finance Ltd.

Finance - NBFC

Rating :
49/99

BSE: 538882 | NSE: Not Listed

NSE BSE
81.64
17-Oct-2025
  • Open
  • High
  • Low
  • Previous Close
  •  84.11
  •  86.48
  •  78.13
  •  86.81
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  348617
  •  28401442
  •  86.48
  •  0

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 281.99
  • 23.65
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 292.45
  • N/A
  • 3.11

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 59.50%
  • 4.64%
  • 28.56%
  • FII
  • DII
  • Others
  • 5.96%
  • 0.00%
  • 1.34%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 31.07
  • 11.24
  • 16.34

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 48.02
  • 27.85
  • 12.52

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 46.65
  • 26.26
  • 18.63

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 24.66
  • 27.08
  • 27.05

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.06
  • 2.33
  • 2.99

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 16.25
  • 18.30
  • 19.36

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 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Sales
25.78
13.32
11.51
8.46
5.44
7.82
6.70
4.37
1.73
0.77
0.89
Net Sales Growth
54.28%
15.73%
36.05%
55.51%
-30.43%
16.72%
53.32%
152.60%
124.68%
-13.48%
 
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
13.32
11.51
8.46
5.44
7.82
6.70
4.37
1.73
0.77
0.89
GP Margin
100.05%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
6.88
6.25
5.89
4.54
3.04
5.75
4.90
3.56
1.44
0.61
0.75
Power & Fuel Cost
-
0.00
0.00
0.02
0.02
0.02
0.02
0.02
0.00
0.00
0.00
% Of Sales
-
0%
0%
0.24%
0.37%
0.26%
0.30%
0.46%
0%
0%
0%
Employee Cost
-
2.02
1.02
1.05
0.93
1.04
0.55
0.61
0.44
0.33
0.31
% Of Sales
-
15.17%
8.86%
12.41%
17.10%
13.30%
8.21%
13.96%
25.43%
42.86%
34.83%
Manufacturing Exp.
-
2.56
3.22
2.64
1.54
4.15
3.99
2.62
0.73
0.11
0.27
% Of Sales
-
19.22%
27.98%
31.21%
28.31%
53.07%
59.55%
59.95%
42.20%
14.29%
30.34%
General & Admin Exp.
-
1.32
1.36
0.68
0.52
0.44
0.33
0.30
0.19
0.14
0.16
% Of Sales
-
9.91%
11.82%
8.04%
9.56%
5.63%
4.93%
6.86%
10.98%
18.18%
17.98%
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.
-
0.35
0.29
0.17
0.05
0.12
0.04
0.03
0.08
0.04
0.00
% Of Sales
-
2.63%
2.52%
2.01%
0.92%
1.53%
0.60%
0.69%
4.62%
5.19%
0%
EBITDA
18.90
7.07
5.62
3.92
2.40
2.07
1.80
0.81
0.29
0.16
0.14
EBITDA Margin
73.31%
53.08%
48.83%
46.34%
44.12%
26.47%
26.87%
18.54%
16.76%
20.78%
15.73%
Other Income
0.09
0.04
0.04
0.05
0.01
0.05
0.02
0.01
0.00
0.00
0.00
Interest
2.77
1.47
0.90
0.55
0.47
0.45
0.16
0.04
0.00
0.00
0.00
Depreciation
0.08
0.06
0.03
0.04
0.03
0.03
0.03
0.02
0.01
0.00
0.00
PBT
16.14
5.58
4.74
3.38
1.91
1.64
1.63
0.76
0.27
0.15
0.13
Tax
4.21
1.44
1.19
0.87
0.50
0.35
0.44
0.20
0.08
0.05
0.04
Tax Rate
26.08%
25.81%
25.48%
25.97%
26.46%
21.34%
26.99%
26.32%
29.63%
33.33%
30.77%
PAT
11.92
4.14
3.48
2.48
1.39
1.29
1.18
0.56
0.19
0.10
0.09
PAT before Minority Interest
11.92
4.14
3.48
2.48
1.39
1.29
1.18
0.56
0.19
0.10
0.09
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%
31.08%
30.23%
29.31%
25.55%
16.50%
17.61%
12.81%
10.98%
12.99%
10.11%
PAT Growth
95.73%
18.97%
40.32%
78.42%
7.75%
9.32%
110.71%
194.74%
90.00%
11.11%
 
EPS
3.46
1.20
1.01
0.72
0.40
0.37
0.34
0.16
0.06
0.03
0.03

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
46.89
43.44
37.86
16.16
14.91
13.94
5.31
4.18
3.24
3.14
Share Capital
30.14
30.14
29.04
9.04
9.04
9.04
3.04
3.04
3.04
3.04
Total Reserves
16.74
13.29
8.82
6.87
5.87
4.89
2.27
1.14
0.20
0.10
Non-Current Liabilities
14.54
5.37
3.84
2.68
2.58
0.93
0.83
0.00
0.00
0.00
Secured Loans
13.52
4.34
2.99
2.02
0.00
0.00
0.00
0.00
0.00
0.00
Unsecured Loans
1.01
1.03
0.86
0.66
2.59
0.94
0.83
0.00
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
2.40
2.35
3.56
3.38
1.75
1.01
1.00
0.36
0.09
0.05
Trade Payables
0.00
0.08
0.26
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Current Liabilities
0.65
0.87
1.32
2.87
1.38
0.57
0.80
0.28
0.05
0.01
Short Term Borrowings
0.00
0.00
1.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Short Term Provisions
1.75
1.40
0.97
0.52
0.38
0.45
0.20
0.08
0.05
0.04
Total Liabilities
64.87
51.99
45.83
22.63
19.58
16.09
7.32
4.71
3.33
3.19
Net Block
0.50
0.11
0.07
0.05
0.08
0.08
0.04
0.03
0.02
0.00
Gross Block
0.76
0.31
0.24
0.18
0.18
0.08
0.04
0.03
0.03
0.01
Accumulated Depreciation
0.26
0.20
0.17
0.13
0.10
0.00
0.00
0.00
0.02
0.01
Non Current Assets
0.55
0.58
0.37
0.05
0.08
0.08
0.04
0.03
0.02
0.01
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
0.05
0.47
0.30
0.00
0.00
0.00
0.00
0.00
0.00
0.01
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
64.22
51.24
45.26
22.39
19.30
15.94
7.20
4.68
3.30
3.16
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
1.66
0.68
0.70
0.43
0.93
1.25
1.24
0.32
0.32
0.19
Cash & Bank
2.97
6.55
1.98
4.09
1.59
4.31
1.77
0.42
0.03
0.56
Other Current Assets
59.59
0.82
5.88
0.70
16.78
10.38
4.19
3.94
2.96
2.41
Short Term Loans & Adv.
55.81
43.19
36.71
17.18
16.78
10.38
4.19
3.92
2.96
2.41
Net Current Assets
61.82
48.90
41.70
19.01
17.55
14.93
6.20
4.32
3.21
3.11
Total Assets
64.87
51.97
45.84
22.63
19.58
16.09
7.32
4.71
3.34
3.19

Cash Flow

Consolidated Figures in Rs. Crores /

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

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value (Rs.)
15.52
14.36
12.96
17.38
12.79
12.06
7.70
6.15
4.74
4.59
ROA
7.08%
7.11%
7.23%
6.60%
7.23%
10.12%
9.38%
4.77%
3.19%
2.85%
ROE
9.19%
8.59%
9.27%
9.16%
9.03%
12.40%
11.99%
5.19%
3.28%
2.92%
ROCE
12.82%
12.21%
12.76%
13.14%
13.02%
17.16%
15.67%
7.44%
4.84%
4.24%
Fixed Asset Turnover
24.99
42.24
39.85
30.01
61.13
112.57
118.21
52.92
33.12
60.62
Receivable days
32.00
21.87
24.38
45.51
50.87
67.91
65.17
67.25
119.52
77.76
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
32.00
21.87
24.38
45.51
50.87
67.91
65.17
67.25
119.52
77.76
Total Debt/Equity
0.31
0.12
0.13
0.17
0.18
0.07
0.16
0.00
0.00
0.00
Interest Cover
4.79
6.21
7.05
5.01
4.64
11.05
18.98
172.13
72.77
243.41

Annual Reports:

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

News Update:


  • 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
  • Emerald Finance launches ‘EMERALD EWA’ app
    6th Aug 2025, 10:30 AM

    The app is powered by Emerald’s proprietary, API-driven platform that integrates seamlessly with employer payroll systems and time-tracking software

    Read More
  • Emerald Finance inks pact with Centre for Skin and Hair
    30th Jul 2025, 16:42 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 Artesa Living
    17th Jul 2025, 14:30 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 Supreme Enterprises
    14th Jul 2025, 14:21 PM

    The company has partnered with Supreme Enterprises to offer its Early-Wage-Access program to the employees of the firm

    Read More
  • Emerald Finance - Quarterly Results
    11th Jul 2025, 15:43 PM

    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.