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Technicals

Oscillators

BearishNeutralBullish

Bullish

Bearish

4

Neutral

2

Bullish

8

Overall

BearishNeutralBullish

Bearish

Bearish

36

Neutral

2

Bullish

8

Moving Averages

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Bearish

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32

Neutral

0

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0

Overall

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Bearish

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36

Neutral

2

Bullish

8

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures
QoQ Changes
Total Figures
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue3.243.423.894.395.005.726.456.716.907.80
Expenses1.731.391.821.451.501.661.951.801.481.77
Interest0.260.440.500.660.760.770.710.680.610.69
Financing Profit1.251.591.572.282.743.293.794.234.815.34
Financing Margin %38.5846.4940.3651.9454.8057.5258.7663.0469.7168.46
Other Income0.020.000.020.010.010.020.040.030.000.00
Depreciation0.000.000.060.000.000.000.080.000.000.00
Profit Before Tax1.271.591.522.292.753.313.754.274.815.34
Tax %25.2025.7925.6625.3325.0925.0829.3325.0625.1625.09
Net Profit0.951.191.131.712.062.482.653.193.604.00
EPS in Rs0.280.350.330.500.600.710.770.921.041.15
Gross NPA %0.000.000.000.000.000.000.000.000.000.00
Net NPA %0.000.000.000.000.000.000.000.000.000.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures
YoY Changes
Total Figures
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue1.734.376.707.825.448.4612132224
Expenses1.443.564.905.763.124.585.956.306.576.91
Interest0.000.040.160.440.390.510.841.422.902.92
Financing Profit0.290.771.641.621.933.374.725.611214
Financing Margin %16.6417.5624.4520.7735.5039.8441.0342.0856.1258.84
Other Income0.000.010.020.050.010.050.040.040.060.10
Depreciation0.010.020.030.030.030.040.030.060.080.08
Profit Before Tax0.270.761.631.641.913.384.745.581214
Tax %29.8825.8027.2521.2926.0525.8125.2325.8425.2526.28
Net Profit0.190.561.181.291.392.483.484.149.0410
EPS in Rs0.340.370.400.730.991.202.583.88
Dividend Payout %0.000.000.0017.526.4911.748.677.285.83

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures
YoY Changes
Total Figures
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital3.053.053.059.049.049.0429303035
Reserves0.201.142.274.895.877.128.82131750
Borrowings0.000.000.830.942.592.694.855.371516
Other Liabilities0.090.531.181.222.093.803.133.183.445.59
Total Liabilities3.344.717.32162023465265106
Fixed Assets0.020.030.040.080.080.050.280.260.600.68
CWIP0.000.000.000.000.000.000.000.000.000.04
Investments0.000.000.000.000.000.000.300.470.050.05
Other Assets3.324.687.28162023455164105
Total Assets3.344.717.32162023465265106

Consolidated Cash Flows (in ₹ Crores)

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Total Figures
YoY Changes
Total Figures
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity-0.480.08-4.94-3.712.58-231.51-11-13
Cash from Investing Activity-0.92-0.09-0.07-0.22-0.05-0.43-0.24-0.03-0.26
Cash from Financing Activity1.801.367.551.21-0.04213.307.7428
Net Cash Flow0.401.352.54-2.722.49-2.114.57-3.5815

Shareholdings

Shareholding History

Quarterly
Yearly
Quarterly
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters67.80%67.80%67.80%67.80%67.80%67.80%62.35%60.51%59.50%59.50%59.50%59.50%
FIIs0.71%0.71%0.71%1.31%1.31%1.31%9.15%9.78%9.36%5.96%1.74%1.74%
DIIs0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Public31.49%31.49%31.49%30.90%30.90%30.90%28.49%29.72%31.15%34.54%38.76%38.76%
Total Shareholders2,9763,2893,4934,2094,3324,3316,4148,3719,88310,28710,98911,229

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Frequently Asked Questions about Emerald Finance Ltd

Emerald Finance Ltd (EMERALD) is currently trading at 59.95 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Emerald Finance Limited is a non-banking financial company (NBFC) headquartered in Chandigarh, India, with a focus on SME lending. It offers a range of financial services including personal loans, gold loans, and debt syndication. The company reported significant growth with a 68% increase in standalone income and a 104% jump in net profit for the first nine months of FY'26. This is attributed to strong digital adoption and expansion in its syndication and lending initiatives. Emerald has received a credit rating upgrade from CRISIL to BBB+ which is expected to facilitate easier access to capital at lower costs, strengthening its financial position further. The company is diversifying geographically, operating across multiple Indian cities, and focusing on quality over quantity in onboarding new corporate clients, particularly in the turbulent market environment. Emerald's innovative use of technology, such as offering disbursements via WhatsApp and developing a mobile app, underpins its strategy to enhance operational efficiency and customer engagement.

Over the past 52 weeks, Emerald Finance Ltd has traded between a low of ₹58.22 and a high of ₹112.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Emerald Finance Ltd has a market capitalization of approximately 210.39. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Emerald Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 15.66 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 210.39 Cr, Emerald Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Emerald Finance Ltd operates in the Finance sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Emerald Finance Ltd is 15.66. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.