Emerald Finance
- Market cap
- ₹ 174 Cr.
- P/E
- 10.7x
- P/B
- 1.89x
- 52-week range
- 45.23 – 93
- ROE
- 16%
- Dividend yield
- 0.2%
- Debt / equity
- 0.18
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- BSE
About
Emerald Finance Limited is an India-based non-banking finance company. The Company is engaged in the business of retail and Micro, Small & Medium Enterprises (MSME) lending. The Company offers a range of financial products and services including its flagship Earned Wage Access (EWA). EWA is designed to address the immediate financial needs of salaried individuals, allowing them to access a portion of their earned wages before their regular payday. Its subsidiaries include Eclat Net Advisors Private Limited.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →Emerald Finance against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)10.7 against a typical 22.7: cheaper than most peers (1st = cheapest).77th of 284
- Sales growth+40.7% against a typical +18.3% from a year earlier.88th of 259
- Profit growth+53% against a typical +20.2% from a year earlier.74th of 214
- Share price, 3 months−2.5% against a typical −4.2%.116th of 258
- Size₹ 173.9 Cr. market value against a typical ₹ 43 Cr. (1st = largest).76th of 269
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 | 3 | 4 | 4 | 5 | 6 | 6 | 7 | 7 | 8 | 10 | 9 |
| Interest | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Expenses | 2 | 1 | 2 | 1 | 2 | 2 | 2 | 2 | 1 | 2 | 3 | 2 |
| Financing Profit | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 5 | 5 | 6 | 7 |
| Financing Margin % | 38.6% | 46.2% | 40.1% | 51.9% | 54.8% | 57.5% | 56.6% | 63% | 69.7% | 68.5% | 62.6% | 69.9% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 5 | 5 | 6 | 7 |
| Tax % | 25.2% | 25.8% | 25% | 25.3% | 25.1% | 25.1% | 26.4% | 25.1% | 25.2% | 25.1% | 26.8% | 25.4% |
| Net Profit | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 4 | 5 |
| EPS in Rs | 0.32 | 0.39 | 0.37 | 0.57 | 0.63 | 0.73 | 0.74 | 0.92 | 1.04 | 1.11 | 1.17 | 1.33 |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 45%
- 5 Years
- 42%
- 3 Years
- 39%
- TTM
- 42%
- 10 Years
- 64%
- 5 Years
- 60%
- 3 Years
- 60%
- TTM
- 57%
- 10 Years
- 14%
- 5 Years
- 24%
- 3 Years
- 34%
- TTM
- —
- 10 Years
- 12%
- 5 Years
- 13%
- 3 Years
- 14%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Emerald Finance | ₹ 50.00 | ₹ 174 Cr. | 10.7x | 1.9x | 16% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 29.1% |
Prices are delayed and for information only. Nothing on this page is investment advice.