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Emerald Finance

EMERALDLEASINGFINANCELTD NSE

Key Fundamentals

MicrocapNBFCFinancial Services
Market Cap
₹219 Cr
Volatility
High Risk
P/E Ratio
13.8
EBITDA
₹23.19 Cr
Return on Equity
10.51%
Debt to Equity
0.23
Book Value
₹27.97
EPS
₹1.65
52W High
₹97
52W Low
₹45.23

Tapetide Score

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Key Insights

Strengths

2
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 59.5% CAGR over last 5 years

Weaknesses

3
  • Company has a low return on equity of 13.7% over last 3 years.
  • Promoter holding has decreased over last 3 years: -8.10%
  • Working capital days have increased from 423 days to 1,121 days

Growth Rate

Revenue Growth
44.31% higher than 3Y
Net Income Growth
68.22% higher than 3Y
Cash Flow Change
-18.25% higher than 3Y
ROE
21.78% higher than 3Y
ROCE
31.58% lower than 3Y
EBITDA Margin (Avg.)
6.69% lower than 3Y

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
2.78
3.24
3.42
3.89
4.39
5
5.72
6.45
6.71
6.9
7.8
9.75
9.44
Expenses
1.41
1.73
1.4
1.83
1.45
1.5
1.66
2.08
1.8
1.48
1.77
2.94
2.02
Financing Profit
1.15
1.25
1.58
1.56
2.28
2.74
3.29
3.65
4.23
4.81
5.34
6.1
6.6
Fin. Margin %
41.37%
38.58%
46.2%
40.1%
51.94%
54.8%
57.52%
56.59%
63.04%
69.71%
68.46%
62.56%
69.92%
Other Income
0
0.02
0.01
0.02
0.01
0.01
0.02
0.03
0.03
0
0
0.01
0
Interest
0.22
0.26
0.44
0.5
0.66
0.76
0.77
0.72
0.68
0.61
0.69
0.71
0.82
Depreciation
0
0
0
0.06
0
0
0
0.08
0
0
0
0.17
0.07
PBT
1.15
1.27
1.59
1.52
2.29
2.75
3.31
3.6
4.26
4.81
5.34
5.94
6.53
Tax %
25.22%
25.2%
25.79%
25%
25.33%
25.09%
25.08%
26.39%
25.12%
25.16%
25.09%
26.77%
25.42%
Net Profit
0.86
0.95
1.19
1.13
1.71
2.05
2.48
2.65
3.19
3.6
4
4.35
4.88
EPS in Rs
0.29
0.32
0.39
0.37
0.57
0.63
0.73
0.74
0.92
1.04
1.11
1.17
1.33
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
1
1
2
4
7
8
5
8
12
13
22
31
34
Expenses
1
1
1
4
5
6
3
5
6
6
6
8
8
Financing Profit
0
0
0
1
2
2
2
3
5
6
12
20
23
Fin. Margin %
16%
21%
17%
18%
24%
21%
36%
40%
41%
42%
56%
66%
67%
Other Income
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
0
0
0
0
0
0
0
1
1
1
3
3
3
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
0
0
0
1
2
2
2
3
5
6
12
20
23
Tax %
29%
31%
29%
26%
28%
21%
26%
26%
25%
26%
25%
26%
—
Net Profit
0
0
0
1
1
1
1
2
3
4
9
15
17
EPS in Rs
0.03
0.03
0.07
0.19
0.41
0.44
0.48
0.85
1.15
1.37
2.62
4.19
4.65
Div. Payout %
0%
0%
0%
0%
0%
18%
6%
12%
9%
7%
6%
2%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
3
3
3
3
9
9
9
29
30
30
35
35
Reserves
0
0
1
2
5
6
7
9
13
17
50
62
Borrowing
0
0
0
1
1
3
3
5
5
15
16
17
Other Liabilities
0
0
1
1
1
2
4
3
3
3
6
7
Total Liabilities
3
3
5
7
16
20
23
46
52
65
106
121
Fixed Assets
0
0
0
0
0
0
0
0
0
1
1
1
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
0
0
0
0
0
0
0
0
0
0
0
0
Other Assets
3
3
5
7
16
20
23
45
51
64
105
119
Total Assets
3
3
5
7
16
20
23
46
52
65
106
121
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
0
0
0
0
-5
-4
3
-23
2
-11
-13
-10
Investing
0
0
-1
0
0
0
0
0
0
0
0
-1
Financing
0
0
2
1
8
1
0
21
3
8
28
-2
Net Cash Flow
0
0
0
1
3
-3
2
-2
5
-4
15
-13
Free Cash Flow
0
0
-1
0
-5
-4
3
-23
1
-12
-14
-11
CFO/OP
0
0
-166
9
-276
-178
107
-586
27
-159
-88
-28
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
3%
3%
5%
12%
12%
9%
9%
9%
9%
9%
14%
16%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Shareholding Pattern

FIIs1.78%Promot.59.70%Others6.00%Public32.52%As ofJun 2026

Documents

Frequently Asked Questions about Emerald Finance

What does Emerald Finance Ltd do?
Incorporated in 1983, Emerald Finance Ltd offers financial products and services, including its flagship Earned Wage Access (EWA) in India.[1]
Where is Emerald Finance Ltd (538882) listed?
Emerald Finance Ltd trades as EMERALDLEASINGFINANCELTD on the NSE and under code 538882 on the BSE.
Which sector does Emerald Finance Ltd belong to?
Emerald Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Emerald Finance Ltd?
Emerald Finance Ltd has a market capitalisation of ₹219.02 Cr, which places it in the Small Cap band.
What is the PE ratio of Emerald Finance Ltd?
Emerald Finance Ltd trades at a PE ratio of 13.80, on earnings per share of ₹1.65, against a book value of ₹27.97 per share.
What is the 52-week high and low of Emerald Finance Ltd?
Over the last 52 weeks Emerald Finance Ltd has traded between ₹45.23 and ₹97.
Does Emerald Finance Ltd pay dividends?
Emerald Finance Ltd has a dividend yield of 0.15%.
What is the Return on Equity (ROE) of Emerald Finance Ltd?
Emerald Finance Ltd reported a return on equity of 10.51%. Its debt-to-equity ratio is 0.23.

Company Information

Incorporated in 1983, Emerald Finance Ltd offers financial products and services, including its flagship Earned Wage Access (EWA) in India.[1]

Website emeraldfin.com
Face Value ₹ 10

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