Emerald Finance Ltd
- Market Cap ₹ 247 Cr.
- Current Price ₹ 81.9
- High / Low ₹ 81.9 / 18.0
- Stock P/E 73.7
- Book Value ₹ 13.0
- Dividend Yield 0.12 %
- ROCE 11.0 %
- ROE 7.92 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 6.28 times its book value
- Company has a low return on equity of 7.17% over last 3 years.
- Debtor days have increased from 30.0 to 49.4 days.
- Promoter holding has decreased over last 3 years: -5.46%
- Working capital days have increased from 926 days to 2,387 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
0.03 | 0.35 | 0.89 | 0.67 | 0.51 | 0.59 | 1.11 | 1.80 | 2.62 | 4.09 | 5.38 | 7.39 | 8.14 | |
0.02 | 0.25 | 0.75 | 0.55 | 0.42 | 0.46 | 0.55 | 0.90 | 1.04 | 1.55 | 1.90 | 2.30 | 2.32 | |
Operating Profit | 0.01 | 0.10 | 0.14 | 0.12 | 0.09 | 0.13 | 0.56 | 0.90 | 1.58 | 2.54 | 3.48 | 5.09 | 5.82 |
OPM % | 33.33% | 28.57% | 15.73% | 17.91% | 17.65% | 22.03% | 50.45% | 50.00% | 60.31% | 62.10% | 64.68% | 68.88% | 71.50% |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | -0.01 | 0.03 | -0.05 | 0.04 | 0.03 | |
Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.10 | 0.18 | 0.22 | 0.36 | 0.63 | 1.05 | 1.36 |
Depreciation | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 | 0.00 | 0.01 | 0.01 |
Profit before tax | 0.01 | 0.09 | 0.14 | 0.12 | 0.09 | 0.10 | 0.47 | 0.72 | 1.33 | 2.19 | 2.80 | 4.07 | 4.48 |
Tax % | 0.00% | 33.33% | 28.57% | 33.33% | 33.33% | 30.00% | 27.66% | 19.44% | 24.06% | 25.57% | 25.71% | 25.80% | |
0.01 | 0.06 | 0.09 | 0.08 | 0.06 | 0.07 | 0.35 | 0.58 | 1.01 | 1.62 | 2.08 | 3.01 | 3.35 | |
EPS in Rs | 0.06 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 | 0.12 | 0.20 | 0.35 | 0.56 | 0.69 | 1.00 | 1.11 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 38.97% | 8.95% | 17.93% | 14.49% | 10.01% |
Compounded Sales Growth | |
---|---|
10 Years: | 36% |
5 Years: | 46% |
3 Years: | 41% |
TTM: | 32% |
Compounded Profit Growth | |
---|---|
10 Years: | 48% |
5 Years: | 54% |
3 Years: | 43% |
TTM: | 32% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 65% |
3 Years: | 62% |
1 Year: | 297% |
Return on Equity | |
---|---|
10 Years: | 7% |
5 Years: | 7% |
3 Years: | 7% |
Last Year: | 8% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 0.20 | 3.05 | 3.05 | 3.05 | 3.05 | 3.05 | 9.04 | 9.04 | 9.04 | 29.04 | 30.14 | 30.14 |
Reserves | -0.06 | 0.00 | 0.10 | 0.18 | 0.24 | 0.32 | 0.66 | 1.24 | 2.23 | 3.24 | 6.59 | 9.16 |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.83 | 0.60 | 1.51 | 1.79 | 4.07 | 4.31 | 12.93 | |
0.01 | 0.04 | 0.04 | 0.03 | 0.24 | 0.06 | 0.26 | 0.56 | 2.94 | 1.55 | 1.29 | 1.60 | |
Total Liabilities | 0.15 | 3.09 | 3.19 | 3.26 | 3.53 | 4.26 | 10.56 | 12.35 | 16.00 | 37.90 | 42.33 | 53.83 |
0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.03 | 0.05 | 0.03 | 0.22 | 0.16 | 0.06 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 0.00 | 0.00 | 0.01 | 0.01 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 1.20 | 1.37 | 0.95 |
0.15 | 3.08 | 3.18 | 3.25 | 2.63 | 3.35 | 9.63 | 11.40 | 15.07 | 36.48 | 40.80 | 52.82 | |
Total Assets | 0.15 | 3.09 | 3.19 | 3.26 | 3.53 | 4.26 | 10.56 | 12.35 | 16.00 | 37.90 | 42.33 | 53.83 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
0.00 | -2.17 | -0.07 | 0.00 | 0.90 | -0.30 | -3.51 | -2.82 | 1.16 | -20.64 | 2.33 | -11.47 | |
0.00 | -0.04 | -0.01 | 0.00 | -0.89 | -0.07 | -0.03 | -0.22 | -0.04 | -0.38 | -0.17 | 0.36 | |
0.00 | 2.84 | 0.00 | 0.00 | 0.00 | 0.80 | 5.67 | 0.73 | 0.31 | 21.71 | 2.41 | 7.57 | |
Net Cash Flow | 0.00 | 0.63 | -0.08 | 0.00 | 0.01 | 0.43 | 2.13 | -2.31 | 1.44 | 0.69 | 4.56 | -3.54 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 121.67 | 125.14 | 77.92 | 141.64 | 93.04 | 80.42 | 118.38 | 97.33 | 18.11 | 22.31 | 18.32 | 49.39 |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 121.67 | 125.14 | 77.92 | 141.64 | 93.04 | 80.42 | 118.38 | 97.33 | 18.11 | 22.31 | 18.32 | 49.39 |
Working Capital Days | 1,703.33 | 2,502.86 | 1,053.99 | 1,743.28 | 1,681.86 | 1,750.76 | 2,232.75 | 2,141.33 | 1,522.69 | 410.51 | -17.64 | 2,386.58 |
ROCE % | 7.41% | 5.64% | 4.52% | 3.76% | 2.76% | 3.47% | 7.86% | 8.15% | 12.56% | 10.36% | 9.05% | 10.98% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
22 Aug - Submitting Schedule of Analysts/Investors meeting to be held on 30.08.2024
- Intimation Regarding Fixing Of Book Closure Dates 21 Aug
- Intimation Regarding Fixing Of Record Date For Dividend 21 Aug
- Board Meeting Outcome for Outcome Of Board Meeting Dated 21.08.2024 21 Aug
-
Announcement under Regulation 30 (LODR)-Change in Directorate
17 Aug - Submission of outcome of Board Meeting for appointment of Additional Directors-Independent
Annual reports
Concalls
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Jul 2024Transcript PPT REC
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Jun 2024TranscriptPPT
Products & Services
They provide financial services focusing on micro, small and medium enterprises and retail customers for finance. The Company is also involved in the syndication of big tickets loans for various financial institutions. [1]