Emerald Finance Ltd - Stock Valuation and Financial Performance

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

Emerald Finance Share Price

134.75 -2.70 -1.96%
as on 11-Feb'25 16:59

DeciZen - make an informed investing decision on Emerald Finance

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

Emerald Finance stock performance -

P/E Ratio (SA):
92.69
Market Cap:
455.1 Cr.
52-wk low:
23.1
52-wk high:
167.7

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'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
0.90.70.50.61.11.82.64.15.47.411
YoY Gr. Rt. %
--23.6%-25%15.7%88.1%61.3%45.8%56.7%31.5%37.4%-
Adj EPS (₹ )
0.10.10.10.10.30.51.10.60.711.5
YoY Gr. Rt. %
--7.7%-16.7%10%172.7%66.7%122%-49.6%23.2%44.9%-
BVPS (₹ )
4.64.74.84.88.48.8121112.11318.8
YoY Gr. Rt. %
-2.6%2.6%0%73.5%4.5%36.6%-7.8%9.9%7.3%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
2.92.61.91.94.75.17.165.26.30

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income26.5%46.1%41.5%37.4%
Adj EPS25.4%27.2%-3.4%44.9%
BVPS12.3%9.2%2.8%7.3%
Share Price 31.8% 78.6% 79.8% 458.2%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
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 (%)
10.312.212.612.531.232.338.639.738.740.745.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
32.622.25.45.99.67.66.17.97.7

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 9.10%

Total Income has increased 41.47 CAGR in last 3 years

Total income growth is good in last 4 quarters

Net Profit has declined -3.42 CAGR in last 3 years

Latest Financials - Emerald Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 1.5 2.2
TTM Sales (₹ Cr.) 10.9 19
BVPS (₹.) 18.8 21.5
Reserves (₹ Cr.) 30 39
P/BV 7.18 6.27
PE 92.69 61.62
From the Market
52 Week Low / High (₹) 23.05 / 167.65
All Time Low / High (₹) 4.51 / 167.65
Market Cap (₹ Cr.) 455
Equity (₹ Cr.) 33.8
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income2 7.52.5 42.12.9 67.13.4 91.1
Adj EPS (₹)0.21 -12.50.37 480.44 760.51 96.2
Net Profit Mgn %31.14 -704 bps44.22 105 bps49.06 589 bps50.88 727 bps

Management X-Ray of Emerald Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:60.51%Institutions:9.78%Non-Institutions:29.71%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%20%40%60%80%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Emerald Finance

MRP
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MOS
spaceLock icon%
DP
spaceLock icon
Base BVPS
spaceLock icon
DPS
spaceLock icon
MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Emerald Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income1111123457
Interest Income1111123457
Other Income 0000000000
Expenditure 1100111233
Interest Expense 0000000011
Operating Expenses 1100111122
Provisions 0000000000
Exceptional Items 0000000000
Profit Before Tax 0000011234
Taxes 0000000111
Profit After Tax 0000011223
Adjusted EPS (₹)0.10.10.10.10.30.51.10.60.71.0
Dividend Payout Ratio (%)0%0%0%0%0%39%9%18%14%10%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital3333101011323739
Share Capital 3333999293030
Reserves 0000112379
Minority Interest0000000000
Long Term Borrowings00011223413
Current Liabilities 0000013312
Trade Payables0000000000
Short term borrowings0000000100
Other Liabilities0000000-100
Total Liabilities 3344111216384254

Assets

Non Current Asset 0011111111
Loan Asset 0000000000
Other Non Current Asset 0011111111
Current Asset 3333101115364153
Current Investment0000000000
Other Current Asset3333101115364153
Total Assets 3344111216384254

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 0010-4-31-212-11
Cash Flow From Investing Activity 00-10000000
Cash Flow From Financing Activity 00016102228
Net Cash Flow 00002-2115-4
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000011111
DPS (₹)0000000000
BVPS (₹)10111111111112111213

Performance Ratios

ROA (%)2.92.61.91.94.75.17.16.05.26.3
ROE (%)3.02.62.02.25.45.99.67.66.17.9
ROCE (%)4.33.82.83.58.08.312.710.48.911.0

Valuation Parameters

Price/Book(x)0.00.04.23.41.11.01.01.51.92.8

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 11-Feb-2025 16:59 is ₹134.8.
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 11-Feb-2025 16:59 the market cap of Emerald Finance stood at ₹455.1.
The latest P/E ratio of Emerald Finance as of 11-Feb-2025 16:59 is 92.69.
The latest P/B ratio of Emerald Finance as of 11-Feb-2025 16:59 is 7.18.
The 52-week high of Emerald Finance is ₹167.7 and the 52-week low is ₹23.05.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Emerald Finance is ₹10.86 ( Cr.) .

About Emerald Finance Ltd

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