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Emerald Finance Ltd

EMERALD

Emerald Finance Ltd

EMERALD
FinancialsConsumer Finance
SmallcapWith a market cap of ₹317 cr, stock is ranked 2,140
High RiskStock is 4.28x as volatile as Nifty
96.751.99% (+1.89)
96.751.99% (+1.89)

Price Chart

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FinancialsConsumer Finance
SmallcapWith a market cap of ₹317 cr, stock is ranked 2,140
High RiskStock is 4.28x as volatile as Nifty
Scorecard

Performance

High

The creamy layer - amongst the top performing stocks

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Bad

The stock is in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

FinancialsConsumer Finance
SmallcapWith a market cap of ₹317 cr, stock is ranked 2,140
High RiskStock is 4.28x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
51.986.620.10%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.792.470.97%

Forecast & Ratings

Detailed Forecast 
—
Forecast data is currently unavailable for this stock

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

Emerald Finance is engaged in offering a range of banking products and financial services. Its digital products include micro, small and medium enterprises business loan (MSME) and early wage access.

Peers

Compare with peers 
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Forecasts

Price

Revenue

Earnings

Price Forecast

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Revenue Forecast

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Earnings Per Share Forecast

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Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Lower than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 14.73%, vs industry avg of 15.2%

Constant Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share stayed at 0.01%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 28.69%, vs industry avg of 20.97%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue0.771.734.396.727.875.458.5011.5613.3616.73
Raw Materialssubtract—————————8.51
Power & Fuel Costsubtract—————————
Employee Costsubtract0.330.440.610.551.040.931.051.002.01
Selling & Administrative Expensessubtract0.250.922.854.324.602.063.334.623.90
Operating & Other expensessubtract0.040.080.140.200.570.540.751.231.82
Depreciation/Amortizationsubtract0.000.010.020.030.030.030.040.030.060.06
Interest & Other Itemssubtract——————————
Taxes & Other Itemssubtract0.050.080.200.450.350.500.871.191.442.06
EPS0.150.290.841.281.111.351.291.181.372.02
DPS0.000.000.000.000.200.100.100.100.100.10
Payout ratio0.000.000.000.000.180.070.080.080.070.05
See Costs

EPS and DPS in ₹. Other numbers except Payout Ratio in ₹ cr

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2020

Annual report

PDF
FY 2021

Annual report

PDF
FY 2022

Annual report

PDF
FY 2023

Annual report

PDF
FY 2024

Annual report

PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

Valuation

Technical

Forecast

ScreenerCompare valuation on Screener

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Emerald Finance Ltd76.786.620.10%
Bajaj Finance Ltd29.525.560.52%
Jio Financial Services Ltd125.141.44—
Shriram Finance Ltd15.352.281.50%

Price Comparison

Compare EMERALD with any stock or ETF
Compare EMERALD with any stock or ETF
EMERALD
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Shareholdings

Promoter Holdings Trend

Decreased Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has decreased by 5.44%

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Increased Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has increased by 2.89%

Increased Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has increased by 7.85%

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding62.35%0.00%0.00%9.16%28.49%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

JunSepDec '23MarJunSep0.71%0.71%1.31%1.31%1.31%9.16%

Insider Trades & Bulk Deals

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smallcases

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Events

Dividend Trend

Dividend Yield

Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 0.10%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹0.99 every year

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateSep 23, 2024

Final
Final | Div/Share: ₹0.10

Dividend/Share

₹0.10

Ex DateEx Date

Sep 23, 2024

Cash Dividend

Ex DateEx DateSep 22, 2023

Final
Final | Div/Share: ₹0.10

Dividend/Share

₹0.10

Ex DateEx Date

Sep 22, 2023

Cash Dividend

Ex DateEx DateSep 23, 2022

Final
Final | Div/Share: ₹0.10

Dividend/Share

₹0.10

Ex DateEx Date

Sep 23, 2022

Cash Dividend

Ex DateEx DateSep 23, 2021

Final
Final | Div/Share: ₹0.10

Dividend/Share

₹0.10

Ex DateEx Date

Sep 23, 2021

News & Opinions
Earnings
Emerald Finance consolidated net profit rises 116.84% in the September 2024 quarter

Net profit of Emerald Finance rose 116.84% to Rs 2.06 crore in the quarter ended September 2024 as against Rs 0.95 crore during the previous quarter ended September 2023. Sales rose 54.32% to Rs 5.00 crore in the quarter ended September 2024 as against Rs 3.24 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales5.003.24 54 OPM %70.0046.60 - PBDT2.751.27 117 PBT2.751.27 117 NP2.060.95 117 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Emerald Finance to declare Quarterly Result

Emerald Finance will hold a meeting of the Board of Directors of the Company on 8 October 2024.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Emerald Finance AGM scheduled

Emerald Finance announced that the Annual General Meeting (AGM) of the company will be held on 30 September 2024.Powered by Capital Market - Live

2 months agoCapital Market - Live