Emerald Finance Ltd
- Market Cap ₹ 199 Cr.
- Current Price ₹ 66.0
- High / Low ₹ 66.0 / 18.0
- Stock P/E 40.0
- Book Value ₹ 15.6
- Dividend Yield 0.15 %
- ROCE 12.4 %
- ROE 9.17 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 4.25 times its book value
- Company has a low return on equity of 9.01% over last 3 years.
- Debtor days have increased from 32.4 to 45.5 days.
- Promoter holding has decreased over last 3 years: -5.46%
- Working capital days have increased from 604 days to 1,615 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
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|
0.89 | 0.77 | 1.73 | 4.38 | 6.70 | 7.83 | 5.45 | 8.47 | 11.52 | 13.32 | 14.94 | |
0.75 | 0.61 | 1.44 | 3.51 | 4.91 | 5.75 | 3.03 | 4.53 | 5.89 | 6.30 | 6.40 | |
Operating Profit | 0.14 | 0.16 | 0.29 | 0.87 | 1.79 | 2.08 | 2.42 | 3.94 | 5.63 | 7.02 | 8.54 |
OPM % | 15.73% | 20.78% | 16.76% | 19.86% | 26.72% | 26.56% | 44.40% | 46.52% | 48.87% | 52.70% | 57.16% |
0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.04 | -0.02 | 0.00 | -0.05 | 0.04 | 0.05 | |
Interest | 0.00 | 0.00 | 0.00 | 0.10 | 0.16 | 0.45 | 0.47 | 0.55 | 0.90 | 1.42 | 1.86 |
Depreciation | 0.00 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 | 0.06 | 0.06 |
Profit before tax | 0.14 | 0.16 | 0.28 | 0.76 | 1.62 | 1.64 | 1.90 | 3.35 | 4.65 | 5.58 | 6.67 |
Tax % | 28.57% | 31.25% | 28.57% | 26.32% | 27.78% | 21.34% | 26.32% | 25.97% | 25.59% | 25.81% | |
0.09 | 0.10 | 0.19 | 0.56 | 1.18 | 1.29 | 1.39 | 2.48 | 3.45 | 4.14 | 4.98 | |
EPS in Rs | 0.03 | 0.03 | 0.07 | 0.19 | 0.41 | 0.44 | 0.48 | 0.85 | 1.14 | 1.37 | 1.65 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 17.52% | 6.50% | 11.71% | 8.74% | 7.28% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 15% |
3 Years: | 35% |
TTM: | 24% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 29% |
3 Years: | 44% |
TTM: | 29% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 52% |
3 Years: | 52% |
1 Year: | 187% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 9% |
3 Years: | 9% |
Last Year: | 9% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 3.05 | 3.05 | 3.05 | 3.05 | 9.04 | 9.04 | 9.04 | 29.04 | 30.14 | 30.14 |
Reserves | 0.10 | 0.20 | 1.14 | 2.27 | 4.89 | 5.87 | 7.12 | 8.82 | 13.29 | 16.74 |
0.00 | 0.00 | 0.00 | 0.83 | 0.94 | 2.59 | 2.68 | 4.85 | 6.24 | 14.53 | |
0.04 | 0.08 | 0.52 | 1.17 | 1.22 | 2.09 | 3.80 | 3.14 | 3.19 | 3.45 | |
Total Liabilities | 3.19 | 3.33 | 4.71 | 7.32 | 16.09 | 19.59 | 22.64 | 45.85 | 52.86 | 64.86 |
0.00 | 0.02 | 0.03 | 0.04 | 0.08 | 0.08 | 0.05 | 0.28 | 0.26 | 0.50 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.47 | 0.05 |
3.18 | 3.31 | 4.68 | 7.28 | 16.01 | 19.51 | 22.59 | 45.27 | 52.13 | 64.31 | |
Total Assets | 3.19 | 3.33 | 4.71 | 7.32 | 16.09 | 19.59 | 22.64 | 45.85 | 52.86 | 64.86 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|
0.00 | 0.00 | -0.48 | 0.08 | -4.94 | -3.71 | 2.58 | -23.08 | 1.51 | -18.55 | |
0.00 | 0.00 | -0.92 | -0.09 | -0.07 | -0.22 | -0.05 | -0.43 | -0.24 | -0.03 | |
0.00 | 0.00 | 1.80 | 1.36 | 7.55 | 1.21 | -0.04 | 21.40 | 3.30 | 7.74 | |
Net Cash Flow | 0.00 | 0.00 | 0.40 | 1.35 | 2.54 | -2.72 | 2.49 | -2.11 | 4.57 | -10.84 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 77.92 | 151.69 | 67.51 | 103.33 | 68.10 | 43.35 | 28.80 | 30.17 | 21.55 | 45.49 |
Inventory Days | ||||||||||
Days Payable | ||||||||||
Cash Conversion Cycle | 77.92 | 151.69 | 67.51 | 103.33 | 68.10 | 43.35 | 28.80 | 30.17 | 21.55 | 45.49 |
Working Capital Days | 1,053.99 | 1,516.88 | 822.83 | 375.83 | 582.37 | 753.77 | 1,012.62 | 202.11 | -4.44 | 1,615.37 |
ROCE % | 5.00% | 7.36% | 16.09% | 16.63% | 12.70% | 12.89% | 12.57% | 12.03% | 12.39% |
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]