Emerald Finance
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Emerald Finance share price

Emerald Finance Ltd.

BSE: 538882 SECTOR: Finance - NBFC  14k   31   3

165.00
+5.30 (3.32%)
BSE: 17 Jan 04:01 PM

Price Summary

Today's High

₹ 167.65

Today's Low

₹ 151.75

52 Week High

₹ 159.7

52 Week Low

₹ 23.05

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 540.79 Cr.

Advances

₹ 0 Cr.

No. of Shares

3.28 Cr.

P/E

110.14

P/B

10.13

Face Value

₹ 10

Div. Yield

0.06 %

Book Value (TTM)

₹  16.29

Operating Revenue

₹ 7.39 Cr.

Net Profit

₹ 3.01 Cr.

Promoter Holding

62.35 %

EPS (TTM)

₹  1.5

Sales Growth

37.4

ROE

7.93 %

ROCE

11.02%

Profit Growth

44.46 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year37.4%
3 Year41.46%
5 Year46.02%

Profit Growth

1 Year44.46%
3 Year44%
5 Year53.99%

ROE%

1 Year7.93%
3 Year7.19%
5 Year7.41%

ROCE %

1 Year11.02%
3 Year10.11%
5 Year10.25%

ROA%

6.2528

PEG Ratio

2.48

PAT Margin (%)

40.6782

EPS Growth(%)

44.4589

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 62.35 0.00
Jun 2024 67.80 0.00
Mar 2024 67.80 0.00
Dec 2023 67.80 0.00
Sep 2023 67.80 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 5.821248092503% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 41.4573107260035%.
  • The company has delivered substantial profit growth of 43.995114374917% over past 3 years.
  • Promoters shareholding is 62.35%.

 Limitations

  • Provision and contingencies have increased by 21.2053571428571%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Operating Revenue 1.79 2.01 2.5 2.94 3.42
Other Income 0.01 0.02 0 0.01 0.02
Interest Expended 0.34 0.37 0.46 0.52 0.52
Operating Expenses 0.42 0.81 0.57 0.5 0.59
Total Provisions 0 0 0 0 0
Depreciation 0 0.02 0 0 0
Profit Before Tax 1.04 0.84 1.48 1.93 2.32
Tax 0.26 0.21 0.37 0.49 0.59
Net Profit 0.78 0.63 1.11 1.44 1.74
Adjusted EPS (RS) 0.26 0.21 0.37 0.44 0.51

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 1.79 2.61 4.09 5.38 7.39
Other Income 0.01 0.01 0.04 0.03 0.04
Interest 0.18 0.22 0.36 0.63 1.06
Operating Expenses 0.86 1.02 1.41 1.64 1.97
Total Provisions 0.05 0.05 0.17 0.27 0.33
Exceptional Items 0 -0.01 -0.01 -0.07 0
Profit Before Tax 0.72 1.33 2.19 2.8 4.06
Tax 0.14 0.32 0.56 0.72 1.05
Profit After Tax 0.58 1.01 1.62 2.08 3.01
Adjusted EPS (Rs.) 0.5 1.11 0.56 0.69 1

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 9.04 9.04 29.04 30.14 30.14
Total Reserves 1.24 2.23 3.24 6.59 9.16
Borrowings 1.51 1.79 3.07 4.32 12.93
Other N/C liabilities 0 0 0 0 0
Current liabilities 0.57 2.94 2.55 1.28 1.59
Total Liabilities 12.36 16 37.9 42.32 53.82
Assets
Loans 0 0 0 0 0
Net Block 0.05 0.03 0.01 0.01 0.06
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 0.9 0.9 1.2 1.37 0.95
Other Loans 0 0 0 0 0
Other N/C Assets 0.2 0.19 0.21 0.15 0.1
Current Assets 11.21 14.88 36.48 40.79 52.72
Total Assets 12.36 16 37.9 42.32 53.82
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 67.80 67.80 67.80 67.80 62.35
anu aggarwal 4.74 4.74 4.74 4.74 4.36
anubha aggarwal 24.95 24.95 24.95 24.95 22.95
ram swaroop agarwal 5.74 5.74 5.74 5.74 5.28
sanjay aggarwal 32.36 32.36 32.36 32.36 29.76
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 32.20 32.20 32.20 32.20 37.65
agr investments limited 2.49 2.49 - 1.15 1.06
investi global opportunit... - - - - 8.03
money growth investment ... 1.66 1.66 1.66 1.66 1.53
nav capital vcc - nav cap... - 1.31 1.31 1.31 1.13
pankaj mehta 2.82 2.82 2.82 2.82 2.52
harinder kumar sahu 1.67 1.67 - 1.14 -
monika mehta 1.11 1.11 - 1.11 -
pga professionals private... 1.37 1.16 - 1.16 -
rainpay india private lim... 1.67 - - - -

Annual Reports

Ratings & Research Reports

No Credit and Research reports exist for this company.Report us

Company Presentations

Company News

Emerald Finance informs about disclosure 17 Jan, 12:17 PM Emerald Finance informs about analyst meet outcome 9 Jan, 5:14 PM Emerald Finance - Quaterly Results 6 Jan, 4:47 PM Emerald Finance - Quaterly Results 6 Jan, 4:47 PM Emerald Finance - Quaterly Results 6 Jan, 4:47 PM Emerald Finance informs about press release 1 Jan, 4:45 PM Emerald Finance informs about outcome of EGM 21 Dec, 3:01 PM Emerald Finance informs about outcome of board meeting 26 Nov, 3:39 PM Emerald Finance informs about statement of deviations or variations 12 Nov, 12:34 PM Emerald Finance informs about crisil rating 25 Oct, 5:26 PM Emerald Finance submits investor presentation 10 Oct, 2:49 PM Emerald Finance - Quaterly Results 8 Oct, 7:24 PM Emerald Finance - Quaterly Results 8 Oct, 7:24 PM Emerald Finance informs about analyst meet 22 Aug, 5:31 PM Emerald Finance informs about statement of deviation 13 Aug, 5:31 PM Emerald Finance partners with Cadchem Laboratories 25 Jul, 10:14 AM Emerald Finance - Quaterly Results 5 Jul, 1:06 PM Emerald Finance - Quaterly Results 5 Jul, 1:06 PM Emerald Finance - Quaterly Results 5 Jul, 1:06 PM Emerald Finance informs about audio call of investor call 1 Jun, 3:31 PM Emerald Finance - Quaterly Results 23 May, 7:59 PM Emerald Finance - Quaterly Results 23 May, 7:59 PM Emerald Finance inks pact with Oktober6 Insight 9 Apr, 5:51 PM Emerald Finance informs about press release 27 Mar, 5:27 PM Emerald Finance informs about trading window closure 27 Mar, 5:01 PM Emerald Finance partners with IG Techserv 19 Jan, 9:28 AM Emerald Finance - Quaterly Results 15 Jan, 5:45 PM Emerald Finance - Quaterly Results 15 Jan, 5:45 PM Emerald Finance - Quaterly Results 15 Jan, 5:45 PM Emerald Finance partners with Meridian Medicare 13 Dec, 6:00 PM Emerald Finance informs about updates 7 Dec, 1:09 PM Emerald Finance raises Term Loan of Rs 15 crore from SBI 7 Dec, 12:49 PM Emerald Finance - Quaterly Results 12 Oct, 4:46 PM Emerald Finance - Quaterly Results 12 Oct, 4:46 PM Emerald Finance - Quaterly Results 12 Oct, 4:46 PM Emerald Finance informs about outcome of AGM 30 Sep, 12:41 PM Emerald Finance partners with Areness Consulting 27 Sep, 10:21 AM Emerald Finance partners with Genetix Biotech Asia 31 Aug, 5:02 PM Emerald Leasing Fin. - Quaterly Results 8 Jul, 4:57 PM Emerald Leasing Fin. - Quaterly Results 8 Jul, 4:57 PM Emerald Leasing Fin. - Quaterly Results 8 Jul, 4:57 PM Emerald Finance informs about closure of trading window 30 Jun, 2:08 PM Emerald Leasing Fin. - Quaterly Results 20 May, 7:15 PM Emerald Leasing Fin. - Quaterly Results 9 Jan, 6:14 PM Emerald Leasing Fin. - Quaterly Results 9 Jan, 6:14 PM Emerald Leasing Fin. - Quaterly Results 9 Jan, 6:14 PM Emerald Leasing Finance & Investment Company informs about newspaper publication 21 Dec, 3:23 PM Emerald Leasing Finance & Investment Company informs about related party transactions 29 Nov, 3:48 PM Emerald Leasing Finance & Investment Company informs about EGM 9 Nov, 12:39 PM Emerald Leasing Finance & Investment Company informs about outcome of board meeting 18 Oct, 2:48 PM

Emerald Finance Stock Price Analysis and Quick Research Report. Is Emerald Finance an attractive stock to invest in?

Around 2% of India's total population invests in financial assets. The mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

Emerald Finance stock price today is Rs 165. To understand the functions of the Emerald Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Emerald Finance is Rs 3.006 Cr and the compounded growth of profit in the past 3 years is 43.9945893564611 %. The PAT margin of Emerald Finance is 40.6782 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Emerald Finance , the EPS grew by 44.4589 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Emerald Finance has a poor ROE track record. The ROE of Emerald Finance is at 7.9326 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Emerald Finance is worth at the current levels at Rs 165. The stock is trading at a current P/E ratio of 36.7329 and the average historical P/E for the last 5 years was 25.6909041036414.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Emerald Finance is trading at a P/B of 10.0662 . The average historical P/B of Emerald Finance for the last 5 years was 1.65264819697289. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Emerald Finance is Rs 165. One can use valuation calculators of ticker to know if Emerald Finance share price is undervalued or overvalued.

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Brief about Emerald Finance
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