WEBSITE BSE:538882 NSE: EMERALD Inc. Year: 1983 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 11:17
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Emerald Finance Limited is an independent financial consultancy. It is offering a whole-of-market advice for mortgages, insurance, equity release, wills, trusts, pension reviews, and other financial services. Based in Chandigarh and with ticker symbol BOM on BSE, they pride themselves on providing the best independent advice. A legacy of trust and expertise in financial services, Emerald's dedicated team delivers personalized solutions paving the way for a secure and prosperous future for its customers. Management includes Mr. Sanjay Aggarwal a...Read More
Emerald Finance Limited is an independent financial consultancy. It is offering a whole-of-market advice for mortgages, insurance, equity release, wills, trusts, pension reviews, and other financial services. Based in Chandigarh and with ticker symbol BOM on BSE, they pride themselves on providing the best independent advice. A legacy of trust and expertise in financial services, Emerald's dedicated team delivers personalized solutions paving the way for a secure and prosperous future for its customers. Management includes Mr. Sanjay Aggarwal as the managing director woth decades of experience in banking. Customers can access to over 120 mortgage lenders, they source the best mortgage rates for clients. For those over 55, Emerald Finance advises on equity release schemes, lifetime mortgages, and retirement interest-only mortgages. ...Read Less
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Market Cap ₹225 Cr.
Stock P/E 25.3
P/B 2.4
Current Price ₹65
Book Value ₹ 27.4
Face Value 10
52W High ₹103.5
Dividend Yield 0.23%
52W Low ₹ 45.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 3 | 3 | 4 | 4 | 5 | 6 | 6 | 7 | 7 | 8 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 3 | 3 | 4 | 4 | 5 | 6 | 6 | 7 | 7 | 8 |
| Total Expenditure | 1 | 1 | 2 | 1 | 2 | 2 | 2 | 2 | 1 | 2 |
| Operating Profit | 1 | 2 | 2 | 3 | 4 | 4 | 5 | 5 | 5 | 6 |
| Interest Expense | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 5 | 5 |
| Provision for Tax | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit After Tax | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 |
| Adjustments | 0 | 0 | -0 | 0 | -0 | -0 | -0 | 0 | 0 | 0 |
| Profit After Adjustments | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 |
| Adjusted Earnings Per Share | 0.3 | 0.4 | 0.4 | 0.6 | 0.6 | 0.7 | 0.8 | 0.9 | 1 | 1.2 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1 | 1 | 2 | 4 | 7 | 8 | 5 | 8 | 12 | 13 | 22 | 28 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 1 | 2 | 4 | 7 | 8 | 5 | 9 | 12 | 13 | 22 | 28 |
| Total Expenditure | 1 | 1 | 1 | 4 | 5 | 6 | 3 | 5 | 6 | 6 | 6 | 7 |
| Operating Profit | 0 | 0 | 0 | 1 | 2 | 2 | 2 | 4 | 6 | 7 | 15 | 21 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 3 | 4 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 1 | 2 | 2 | 2 | 3 | 5 | 6 | 12 | 18 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 3 | 4 |
| Profit After Tax | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 3 | 4 | 9 | 14 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 3 | 4 | 9 | 14 |
| Adjusted Earnings Per Share | 0.1 | 0.2 | 0.3 | 0.8 | 1 | 1.1 | 1.5 | 0.9 | 1.2 | 1.4 | 2.6 | 3.9 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 69% | 40% | 22% | 36% |
| Operating Profit CAGR | 114% | 55% | 50% | 0% |
| PAT CAGR | 125% | 65% | 55% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -35% | 41% | 34% | 18% |
| ROE Average | 14% | 10% | 10% | 9% |
| ROCE Average | 19% | 15% | 14% | 12% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 3 | 3 | 4 | 5 | 14 | 15 | 16 | 38 | 43 | 47 | 85 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 |
| Borrowings | 0 | 0 | 0 | 1 | 1 | 3 | 3 | 4 | 5 | 15 | 16 |
| Current Liability | 0 | 0 | 0 | 1 | 1 | 2 | 3 | 4 | 2 | 2 | 4 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | -0 | -0 | -0 | -0 | -0 | 0 | -0 |
| Total Liabilities | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 46 | 52 | 65 | 106 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Other Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 3 | 3 | 5 | 7 | 16 | 19 | 22 | 45 | 51 | 64 | 105 |
| Total Assets | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 46 | 52 | 65 | 106 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 0 | 0 | 0 | 2 | 4 | 2 | 4 | 2 | 7 | 3 |
| Cash Flow from Operating Activities | 0 | 0 | -0 | 0 | -5 | -4 | 3 | -23 | 2 | -11 | -13 |
| Cash Flow from Investing Activities | 0 | 0 | -1 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Cash Flow from Financing Activities | 0 | 0 | 2 | 1 | 8 | 1 | -0 | 21 | 3 | 8 | 28 |
| Net Cash Inflow / Outflow | 0 | 0 | 0 | 1 | 3 | -3 | 2 | -2 | 5 | -4 | 15 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 2 | 4 | 2 | 4 | 2 | 7 | 3 | 18 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.13 | 0.15 | 0.28 | 0.83 | 1.03 | 1.12 | 1.54 | 0.85 | 1.15 | 1.37 | 2.57 |
| CEPS(Rs) | 0.14 | 0.16 | 0.3 | 0.86 | 1.05 | 1.15 | 1.58 | 0.87 | 1.16 | 1.39 | 2.6 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0.25 | 0.1 | 0.1 | 0.1 | 0.1 | 0.15 |
| Book NAV/Share(Rs) | 4.59 | 4.74 | 6.15 | 7.7 | 12.06 | 12.79 | 17.38 | 12.96 | 14.36 | 15.52 | 24.46 |
| Net Profit Margin | 10.28 | 13.48 | 11.1 | 12.9 | 17.67 | 16.5 | 25.63 | 29.25 | 30.19 | 31.01 | 41.2 |
| Operating Margin | 14.94 | 19.87 | 15.93 | 18.36 | 26.71 | 26.72 | 43.44 | 46.1 | 48.36 | 52.85 | 70.17 |
| PBT Margin | 14.88 | 19.6 | 15.83 | 17.39 | 24.29 | 20.96 | 34.78 | 39.56 | 40.57 | 41.82 | 56.04 |
| ROA(%) | 2.85 | 3.19 | 4.77 | 9.38 | 10.12 | 7.23 | 6.6 | 7.23 | 7.11 | 7.08 | 10.42 |
| ROE(%) | 2.92 | 3.28 | 5.19 | 11.99 | 12.4 | 9.03 | 9.16 | 9.27 | 8.59 | 9.19 | 13.54 |
| ROCE(%) | 4.24 | 4.84 | 7.44 | 15.67 | 17.16 | 13.02 | 13.14 | 12.76 | 12.21 | 12.82 | 18.76 |
| Price/Earnings(x) | 0 | 0 | 71.37 | 19.96 | 8.74 | 7.64 | 8.08 | 19.3 | 20.41 | 26.69 | 39.46 |
| Price/Book(x) | 0 | 0 | 3.28 | 2.15 | 0.75 | 0.67 | 0.72 | 1.27 | 1.64 | 2.36 | 4.15 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 2.29 | 0.8 | 0.61 | 0.43 | 0.27 | 0.15 |
| EV/Net Sales(x) | 2.81 | 3.91 | 7.68 | 2.36 | 1.04 | 1.39 | 1.81 | 5.99 | 6.06 | 9.14 | 16.17 |
| EV/Core EBITDA(x) | 18.31 | 19.08 | 45.79 | 12.57 | 3.84 | 5.12 | 4.08 | 12.76 | 12.32 | 17.15 | 22.93 |
| Interest Earned Growth(%) | 0 | -12.7 | 123.81 | 152.93 | 53.27 | 16.67 | -30.46 | 55.59 | 36.04 | 15.9 | 61.7 |
| Net Profit Growth | 0 | 14.41 | 84.38 | 193.96 | 109.92 | 8.9 | 8.03 | 77.57 | 40.41 | 19.05 | 114.83 |
| EPS Growth(%) | 0 | 14.42 | 84.37 | 193.96 | 24.12 | 8.91 | 37.38 | -44.71 | 35.29 | 19.06 | 87.48 |
| Interest Coverage(x) % | 243.41 | 72.77 | 172.13 | 18.98 | 11.05 | 4.64 | 5.01 | 7.05 | 6.21 | 4.79 | 4.97 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 67.8 | 67.8 | 67.8 | 62.35 | 60.51 | 59.5 | 59.5 | 59.5 | 59.5 | 59.7 |
| FII | 1.31 | 1.31 | 1.31 | 9.16 | 9.78 | 9.36 | 5.96 | 1.74 | 1.74 | 1.78 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 30.9 | 30.9 | 30.9 | 28.49 | 29.72 | 31.15 | 34.54 | 38.76 | 38.76 | 38.52 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 2.04 | 2.04 | 2.04 | 2.04 | 2.04 | 2.06 | 2.06 | 2.06 | 2.06 | 2.06 |
| FII | 0.04 | 0.04 | 0.04 | 0.3 | 0.33 | 0.32 | 0.21 | 0.06 | 0.06 | 0.06 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.93 | 0.93 | 0.93 | 0.93 | 1 | 1.08 | 1.19 | 1.34 | 1.34 | 1.33 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 3.01 | 3.01 | 3.01 | 3.28 | 3.38 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 |
* The pros and cons are machine generated.
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