Emerald Finance Ltd. | Small-cap | Financial Services
₹78.57
4.15%
| Emerald Finance Stock Comparison:
Emerald Finance vs Bajaj FinanceEmerald Finance vs Indian RailwayEmerald Finance vs Northern Arc CapitalEmerald Finance vs Dhani ServicesEmerald Finance vs Paisalo DigitalEmerald Finance vs NIFTY 50 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 67.1M
Gross Profit 48.1M 71.66%
Operating Income 42.4M 63.12%
Net Income 31.9M 47.55%
EPS (Diluted) ₹0.92

Balance Sheet Metrics

Total Assets 1.1B
Total Liabilities 196.9M
Shareholders Equity 860.3M
Debt to Equity 0.23

Cash Flow Metrics

Revenue & Profitability Trend

Emerald Finance Income Statement From 2021 to 2025

Metric20252024202320222021
Revenue i215.7M133.3M115.1M84.7M54.5M
Cost of Goods Sold i79.2M58.2M47.4M40.2M27.0M
Gross Profit i136.6M75.1M67.8M44.5M27.5M
Gross Margin % i63.3%56.3%58.8%52.5%50.5%
Operating Expenses
Research & Development i-----
Selling, General & Administrative i6.4M7.1M7.8M4.6M4.8M
Other Operating Expenses i4.7M6.8M8.1M3.0M1.5M
Total Operating Expenses i11.1M13.9M15.9M7.7M6.3M
Operating Income i122.9M59.6M50.6M35.6M20.4M
Operating Margin % i57.0%44.7%43.9%42.0%37.4%
Non-Operating Items
Interest Income i-133.0K26.1K0120.1K
Interest Expense i1.3M383.8K531.5K386.9K772.9K
Other Non-Operating Income-----
Pre-tax Income i120.9M55.8M46.7M33.5M18.9M
Income Tax i30.5M14.4M11.9M8.7M5.0M
Effective Tax Rate % i25.2%25.8%25.6%26.1%26.3%
Net Income i90.4M41.4M34.8M24.8M13.9M
Net Margin % i41.9%31.0%30.2%29.2%25.6%
Key Metrics
EBITDA i123.6M60.3M50.9M36.2M20.7M
EPS (Basic) i₹2.57₹1.37₹1.15₹0.85₹1.54
EPS (Diluted) i₹2.57₹1.37₹1.15₹0.85₹1.54
Basic Shares Outstanding i345403193014365030143650290436509043650
Diluted Shares Outstanding i345403193014365030143650290436509043650

Income Statement Trend

Emerald Finance Balance Sheet From 2021 to 2025

Metric20252024202320222021
Assets
Current Assets
Cash & Equivalents i184.4M8.7M64.5M19.6M40.9M
Short-term Investments i22.6M20.8M882.7K63.0M3.2M
Accounts Receivable i21.1M16.6M6.8M7.0M5.0M
Inventory i-----
Other Current Assets46.3M46.5M-25.4K-64.9K4.5M
Total Current Assets i1.0B596.7M497.1M449.9M225.9M
Non-Current Assets
Property, Plant & Equipment i3.9M2.4M1.2M860.8K786.7K
Goodwill i424.3K971.2K1.5M2.1M-
Intangible Assets i424.3K971.2K1.5M--
Long-term Investments-----
Other Non-Current Assets--6.0M--
Total Non-Current Assets i7.8M52.0M22.7M8.6M539.3K
Total Assets i1.1B648.6M519.8M458.5M226.5M
Liabilities
Current Liabilities
Accounts Payable i00778.0K--
Short-term Debt i14.3M6.0M13.6M48.5M-
Current Portion of Long-term Debt-----
Other Current Liabilities5.2M6.5M287.3K11.7M23.0M
Total Current Liabilities i55.2M30.0M37.1M57.3M33.8M
Non-Current Liabilities
Long-term Debt i141.7M139.3M40.1M38.5M26.9M
Deferred Tax Liabilities i022.3K08.5M-
Other Non-Current Liabilities--2.3M--
Total Non-Current Liabilities i141.7M139.4M40.1M16.8M26.9M
Total Liabilities i196.9M169.3M77.1M74.1M60.7M
Equity
Common Stock i345.4M301.4M301.4M290.4M90.4M
Retained Earnings i171.2M103.8M75.4M11.3M6.4M
Treasury Stock i-----
Other Equity-----
Total Shareholders Equity i860.3M479.3M442.7M384.4M165.8M
Key Metrics
Total Debt i156.0M145.3M53.7M87.0M26.9M
Working Capital i994.2M566.7M460.1M392.6M192.1M

Balance Sheet Composition

Emerald Finance Cash Flow Statement From 2021 to 2025

Metric20252024202320222021
Operating Activities
Net Income i120.9M55.8M47.4M33.8M19.1M
Depreciation & Amortization i-----
Stock-Based Compensation i-----
Working Capital Changes i-261.4M-165.5M-22.7M-249.8M-6.0M
Operating Cash Flow i-115.1M-95.7M32.1M-211.2M16.8M
Investing Activities
Capital Expenditures i-2.6M-4.6M-656.1K-547.5K-84.8K
Acquisitions i-----
Investment Purchases i---1.7M-3.0M-
Investment Sales i04.2M---
Investing Cash Flow i-2.6M-308.2K-2.4M-4.3M-459.8K
Financing Activities
Share Repurchases i-00-2.5M-
Dividends Paid i-----
Debt Issuance i10.6M105.3M19.6M21.6M1.0M
Debt Repayment i--13.6M-5.7M--
Financing Cash Flow i310.9M91.7M41.4M219.1M1.0M
Free Cash Flow i-136.0M-117.5M14.5M-231.4M25.7M
Net Change in Cash i193.2M-4.4M71.1M3.6M17.4M

Cash Flow Trend

Emerald Finance Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 25.75
Price to Book 3.08
Price to Sales 10.91
PEG Ratio 0.41

Profitability Ratios

Profit Margin 43.40%
Operating Margin 73.73%
Return on Equity 10.51%
Return on Assets 8.55%

Financial Health

Current Ratio 19.02
Debt to Equity 18.13
Beta 0.12

Per Share Data

EPS (TTM) ₹2.93
Book Value per Share ₹24.46
Revenue per Share ₹6.70

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
emerald2.6B25.753.0810.51%43.40%18.13
Bajaj Finance 6.2T34.916.2920.08%44.94%294.16
Indian Railway 1.7T23.712.9712.68%97.62%748.58
Northern Arc Capital 45.5B15.011.288.85%26.85%287.35
Dhani Services 38.7B107.751.28-1.91%10.03%17.62
Paisalo Digital 34.6B16.592.2513.04%47.61%231.89

Financial data is updated regularly. All figures are in the company's reporting currency.