Emerald Finance Ltd. | Small-cap | Financial Services
₹76.36
-1.99%
| Emerald Finance Stock Comparison:
Emerald Finance vs Bajaj FinanceEmerald Finance vs Indian RailwayEmerald Finance vs Northern Arc CapitalEmerald Finance vs IndoStar CapitalEmerald Finance vs Dhani ServicesEmerald 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 i67.2M58.2M47.4M40.2M27.0M
Gross Profit i148.6M75.1M67.8M44.5M27.5M
Gross Margin % i68.9%56.3%58.8%52.5%50.5%
Operating Expenses
Research & Development i-----
Selling, General & Administrative i-7.1M7.8M4.6M4.8M
Other Operating Expenses i27.5M6.8M8.1M3.0M1.5M
Total Operating Expenses i27.5M13.9M15.9M7.7M6.3M
Operating Income i120.3M59.6M50.6M35.6M20.4M
Operating Margin % i55.8%44.7%43.9%42.0%37.4%
Non-Operating Items
Interest Income i-133.0K26.1K0120.1K
Interest Expense i-383.8K531.5K386.9K772.9K
Other Non-Operating Income-----
Pre-tax Income i120.9M55.8M46.7M33.5M18.9M
Income Tax i32.0M14.4M11.9M8.7M5.0M
Effective Tax Rate % i26.5%25.8%25.6%26.1%26.3%
Net Income i88.9M41.4M34.8M24.8M13.9M
Net Margin % i41.2%31.0%30.2%29.2%25.6%
Key Metrics
EBITDA i121.1M60.3M50.9M36.2M20.7M
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 i345461333014365030143650290436509043650
Diluted Shares Outstanding i345461333014365030143650290436509043650

Income Statement Trend

Emerald Finance Balance Sheet From 2021 to 2025

Metric20252024202320222021
Assets
Current Assets
Cash & Equivalents i175.5M8.7M64.5M19.6M40.9M
Short-term Investments i-20.8M882.7K63.0M3.2M
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 i-2.4M1.2M860.8K786.7K
Goodwill i-971.2K1.5M2.1M-
Intangible Assets i-971.2K1.5M--
Long-term Investments-----
Other Non-Current Assets--6.0M--
Total Non-Current Assets i7.3M52.0M22.7M8.6M539.3K
Total Assets i1.1B648.6M519.8M458.5M226.5M
Liabilities
Current Liabilities
Accounts Payable i-0778.0K--
Short-term Debt i-6.0M13.6M48.5M-
Current Portion of Long-term Debt-----
Other Current Liabilities5.2M6.5M287.3K11.7M23.0M
Total Current Liabilities i40.9M30.0M37.1M57.3M33.8M
Non-Current Liabilities
Long-term Debt i156.0M139.3M40.1M38.5M26.9M
Deferred Tax Liabilities i-22.3K08.5M-
Other Non-Current Liabilities--2.3M--
Total Non-Current Liabilities i156.0M139.4M40.1M16.8M26.9M
Total Liabilities i196.9M169.3M77.1M74.1M60.7M
Equity
Common Stock i345.4M301.4M301.4M290.4M90.4M
Retained Earnings i-103.8M75.4M11.3M6.4M
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 i1.0B566.7M460.1M392.6M192.1M

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) 26.59
Price to Book 3.18
Price to Sales 11.26
PEG Ratio 0.42

Profitability Ratios

Profit Margin 43.40%
Operating Margin 73.73%
Return on Equity 10.33%
Return on Assets 8.41%

Financial Health

Current Ratio 25.68
Debt to Equity 18.13
Beta 0.19

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
emerald2.7B26.593.1810.33%43.40%18.13
Bajaj Finance 5.4T30.685.5320.08%44.94%294.16
Indian Railway 1.6T24.412.9912.68%97.62%748.58
Northern Arc Capital 37.5B12.821.099.96%26.85%287.35
IndoStar Capital 36.3B71.450.993.32%859.02%190.25
Dhani Services 34.9B101.271.20-1.91%10.03%17.62

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