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Emerald Finance

538882 BSE
₹51.42 up 1.02 (2.02%)
Market Cap
₹178 Cr
P/E
11.06

Emerald Finance (EMERALD) share price was ₹50.40 at the 28 Oct 2026 close; market capitalisation ₹174 Cr; P/E (TTM) 10.84; sector Financial Services. The share price fell 43.5% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue rose 40.7% year on year to ₹9.44 Cr and net profit rose 53.0% year on year to ₹4.88 Cr (compared with Jun 2025). Promoters held 59.70% of Emerald Finance in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 58/100 (Good) as of 28 Oct 2026.

Close 28 Oct 2026 ₹50.40 −36.70 −42.14% 1Y

Key Fundamentals

MicrocapFinanceFinancial Services
Market Cap
₹178 Cr
P/E (TTM)
11.06
EBITDA
₹23.20 Cr
Return on Equity
15.33%
Debt to Equity
0.18
Book Value
₹27.97
EPS (TTM)
₹4.65
52W High
₹93.00
52W Low
₹45.23

Price-based figures as of 29 Oct 2026, 10:43 IST · EPS basis: Consolidated · TTM

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

Bajaj Finance
₹923.0526.495,74,687 Cr4.670.66%16.53%10.71%89,874 Cr22,067 Cr
Shriram Finance
₹835.8014.801,96,668 Cr1.760.79%15.18%11.00%51,245 Cr11,318 Cr
Cholamandalam Investment
₹1,562.1023.041,33,452 Cr3.870.14%17.17%9.46%33,147 Cr5,751 Cr
Tata Capital
₹313.3024.341,32,992 Cr2.710.19%10.38%8.56%34,329 Cr5,478 Cr
Muthoot Finance
₹2,448.008.6498,279 Cr2.421.25%26.67%15.43%33,526 Cr11,457 Cr
L&T Finance
₹250.2019.6962,709 Cr2.141.14%10.64%10.11%20,742 Cr3,198 Cr
SBI Cards
₹535.5022.4150,960 Cr2.970.47%13.78%18.31%21,048 Cr2,275 Cr
Emerald Finance (this company)
₹51.4211.06178 Cr1.840.19%15.33%19.90%34 Cr17 Cr
Median 8 companies₹685.6521.051,15,636 Cr2.570.57%15.26%10.86%33,337 Cr5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

58 Good
Overall score

Data confidence 94/100

Category scores

Quality Strong 69
Returns, margins, earnings quality 22% weight
Valuation Average 51
Cheap vs sector & own history 24% weight
Growth Strong 69
Sales & profit trajectory 9% weight
Financial Health Strong 87
Solvency, leverage, coverage 9% weight
Momentum Poor 28
Trend strength, vol-adjusted 12% weight
Ownership Average 50
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

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

2
  • Company has a low return on equity of 13.4% over last 3 years.
  • Promoter holding has decreased over last 3 years: -8.10%

Technical Indicators

Oscillators

Bearish

Bearish
2
Neutral
6
Bullish
1

Overall

Bearish

Bearish
12
Neutral
6
Bullish
1

Moving Averages

Bearish

Bearish
10
Neutral
0
Bullish
0

Growth Rate

Revenue Growth
44.44% higher than 3Y

change over 1 year

Net Income Growth
69.66% higher than 3Y

change over 1 year

Cash Flow Change
21.09%

change over 1 year

EBITDA Margin Change
7.84%

change over 1 year

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 (₹)
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
7
8
8
Financing Profit
0
0
0
1
2
2
2
3
5
6
12
21
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%
26%
26%
—
Net Profit
0
0
0
1
1
1
1
2
3
4
9
15
17
EPS (₹)
0.03
0.03
0.07
0.19
0.41
0.44
0.48
0.85
1.15
1.37
2.44
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
4
7
Total Liabilities
3
3
5
7
16
20
23
46
52
65
104
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
103
119
Total Assets
3
3
5
7
16
20
23
46
52
65
104
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
14
-13
Free Cash Flow
0
0
-1
0
-5
-4
3
-23
1
-12
-13
-11
CFO/OP
0
0
-166
9
-276
-178
107
-586
27
-159
-73
-27
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%
13%
16%

Insights

Beta

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

Log in to view Emerald Finance insights

60 extracted metrics + investor summaries across FY14–FY27.

Shareholding Pattern

FIIs1.78%Promot.59.70%Others6.01%Public32.51%As ofSep 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 (EMERALD) listed?
Emerald Finance Ltd trades 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 ₹177.64 Cr as of 29 Oct 2026, 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 11.06 as of 29 Oct 2026, on earnings per share of ₹4.65, 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 ₹93 as of 29 Oct 2026.
Does Emerald Finance Ltd pay dividends?
Emerald Finance Ltd has a dividend yield of 0.20%.
What is the Return on Equity (ROE) of Emerald Finance Ltd?
Emerald Finance Ltd reported a return on equity of 15.33%. Its debt-to-equity ratio is 0.18.

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
Shares Outstanding 3,45,46,819

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