Emerald Finance Ltd - Stock Valuation and Financial Performance

BSE: 538882 | NSE: | Finance - NBFC | Small Cap

Emerald Finance Share Price

31.93 0.60 1.92%
as on 31-May'24 16:01

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Emerald Finance stock performance -

mw4me loader
P/E Ratio (SA):
31.59
Market Cap:
94.9 Cr.
52-wk low:
18.1
52-wk high:
39.5

Is Emerald Finance Ltd an attractive stock to invest in?

1. Is Emerald Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Emerald Finance Ltd is a below average quality company.

2. Is Emerald Finance Ltd undervalued or overvalued?

The key valuation ratios of Emerald Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Emerald Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Emerald Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Emerald Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Emerald Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)0.40.90.70.50.61.11.82.64.15.47
YoY Gr. Rt. %-154.3%-23.6%-25%15.7%88.1%61.3%45.8%56.7%31.5%-
Adj EPS (₹ ) 0.10.10.10.10.10.30.51.10.60.71
YoY Gr. Rt. %-44.4%-7.7%-16.7%10%172.7%66.7%122%-49.6%23.2%-
BVPS (₹ )4.54.64.74.84.88.48.8121112.113
YoY Gr. Rt. %-3.2%2.6%2.6%0%73.5%4.5%36.6%-7.8%9.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)3.92.92.61.91.94.75.17.165.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income35.5%55.6%44.3%31.5%
Adj EPS25.4%44.4%11.3%23.2%
BVPS11.8%20.2%11.5%9.9%
Share Price - 28.3% 25.1% 34.7%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)17.910.312.212.612.531.232.338.639.738.640.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)432.622.25.45.99.67.66.17.7

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 8.00%

Total Income has increased 44.31 CAGR in last 3 years

Net Profit has increased 11.33 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Emerald Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 1 1.4
TTM Sales (₹ Cr.) 7.4 13.3
BVPS (₹.) 13 15.5
Reserves (₹ Cr.) 9 17
P/BV 2.42 2.03
PE 31.59 22.94
From the Market
52 Week Low / High (₹) 18.05 / 39.46
All Time Low / High (₹) 4.51 / 39.46
Market Cap (₹ Cr.) 94.9
Equity (₹ Cr.) 30.1
Face Value (₹) 10
Industry PE 29.1

Management X-Ray of Emerald Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Emerald Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income0.350.890.670.510.591.131.812.624.135.41
Interest Income0.350.890.670.510.591.111.792.614.095.38
Other Income 000000.010.010.010.040.03
Expenditure 0.260.750.560.420.490.651.091.291.942.54
Interest Expense 00000.030.100.180.220.360.63
Operating Expenses 0.260.750.520.350.440.540.861.021.411.64
Provisions 000.040.070.020.020.050.050.170.27
Exceptional Items 0000000-0.01-0.01-0.07
Profit Before Tax 0.090.130.120.090.100.470.721.332.192.80
Taxes 0.030.040.040.030.030.130.140.320.560.72
Profit After Tax 0.060.090.080.060.070.350.581.011.622.08
Adjusted EPS (₹)0.10.10.10.10.10.30.51.10.60.7
Dividend Payout Ratio (%)0%0%0%0%0%0%39%9%18%15%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital3.053.143.223.293.369.7010.2811.0232.2836.73
Share Capital 3.053.053.053.053.059.049.049.0429.0430.14
Reserves 00.100.180.240.320.661.241.983.246.59
Minority Interest0000000000
Long Term Borrowings00000.830.601.511.793.074.31
Current Liabilities 0.040.050.040.240.070.250.572.942.551.28
Trade Payables000000000.080.15
Short term borrowings0000000010
Other Liabilities00000000.25-1.08-0.15
Total Liabilities 3.093.193.263.534.2610.5512.361637.9042.33

Assets

Non Current Asset 0.010.010.010.900.910.930.950.931.211.38
Loan Asset 0000000000
Other Non Current Asset 0.010.010.010.900.910.930.950.931.211.38
Current Asset 3.063.163.232.623.289.5611.2114.8836.4840.79
Current Investment0000000000
Other Current Asset3.063.163.232.623.289.5611.2114.8836.4840.79
Total Assets 3.093.193.263.534.2610.5512.361637.9042.33

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -2.17-0.0700.90-0.30-3.51-2.820.62-20.642.33
Cash Flow From Investing Activity -0.04-0.010-0.89-0.07-0.03-0.22-0.04-0.38-0.17
Cash Flow From Financing Activity 2.850000.805.670.730.3121.712.41
Net Cash Flow 0.63-0.0800.010.432.13-2.310.900.694.56
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)0000001111
DPS (₹)0000000000
BVPS (₹)10101111111111121112

Performance Ratios

ROA (%)3.92.92.61.91.94.75.17.16.05.2
ROE (%)4.03.02.62.02.25.45.99.67.66.1
ROCE (%)5.94.33.82.83.58.08.312.710.48.9

Valuation Parameters

Price/Book(x)0.00.00.04.23.41.11.01.01.51.9

Emerald Finance Ltd Stock News

Emerald Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Emerald Finance on 31-May-2024 16:01 is ₹31.93.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-May-2024 16:01 the market cap of Emerald Finance stood at ₹94.92.
The latest P/E ratio of Emerald Finance as of 31-May-2024 16:01 is 31.59.
The latest P/B ratio of Emerald Finance as of 31-May-2024 16:01 is 2.42.
The 52-week high of Emerald Finance is ₹39.46 and the 52-week low is ₹18.05.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Emerald Finance is ₹7.39 ( Cr.) .

About Emerald Finance Ltd

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