Emerald Finance Ltd (EMERALD) — shareholding pattern, promoter holding, financials and share price
About Emerald Finance Ltd (EMERALD)
Emerald Finance Ltd operates in the Non Banking Financial Company (NBFC) industry, within the Financial Services sector. It trades on the NSE as EMERALD and on the BSE under scrip code 538882. Its ISIN is INE030Q01015.
Incorporated in 1983, Emerald Finance Ltd offers financial products and services, including its flagship Earned Wage Access (EWA) in India. [1]
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.
Listed peers in Non Banking Financial Company (NBFC): Team India Guaranty Ltd, Credent Global Finance Ltd, CP Capital Limited, Dhruva Capital Services Ltd, Crescentis Capital Ltd, Landmarc Leisure Corporation Ltd.
Valuation & Returns
10 Jul 2026At ₹56.75 a share on 10 Jul 2026, Emerald Finance Ltd (EMERALD) was valued at a price-to-earnings ratio of 12.94x against an industry P/E of 19.5x and a price-to-book of 2.32x on a book value of ₹24.47 per share as of Mar 2025. Solomo computes return on equity of 17.92% and return on capital employed of 19.69% from filed results. Earnings ratios use consolidated results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 12.94x
- Industry P/E
- 19.5x
- P/B
- 2.32x
- EPS (TTM)
- ₹4.39
- Book value / share
- ₹24.47
- ROE
- 17.92%
- ROCE
- 19.69%
- ROA
- 14.33%
- Debt / equity
- 0.18x
- Dividend yield
- 0.16%
- EBITDA margin
- 74.55%
- 52-week range
- ₹55.51 – ₹57.9
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, Emerald Finance Ltd (EMERALD) reported revenue of ₹31 crore, net profit of ₹15 crore and earnings per share of ₹4.19. That compares with revenue of ₹22 crore and net profit of ₹9 crore in Mar 2025. Figures are consolidated, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹9.75 crore and net profit ₹4.35 crore (consolidated).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 8 | 12 | 13 | 22 | 31 |
| Net profit (₹ cr) | 2 | 3 | 4 | 9 | 15 |
| EPS (₹) | 0.85 | 1.15 | 1.37 | 2.62 | 4.19 |
| Measure | 10Y | 5Y | 3Y | 1Y |
|---|---|---|---|---|
| Sales growth | 39.40% | 49.55% | 48.60% | 61.99% |
| Profit growth | 62.79% | 62.65% | 59.56% | 118.36% |
| Stock price CAGR | 16% | 23% | 35% | -36% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 59.7% of Emerald Finance Ltd (EMERALD) (unchanged from the previous quarter), foreign institutional investors (FII) hold 1.78%. Market capitalisation was ₹196 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Sep 2014.
Largest disclosed public shareholders in Jun 2026: MINERVA VENTURES FUND 1.45%, MONEY GROWTH INVESTMENT CONSULTANTS PVT LTD 1.45%, PANKAJ MEHTA 1.14%, AGR INVESTMENTS LIMITED 1.01%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 59.7% | - | 1.78% | - | 40.3% |
| Mar 2026 | 59.7% | - | 1.78% | - | 40.3% |
| Dec 2025 | 59.5% | - | 1.74% | - | 40.5% |
| Sep 2025 | 59.5% | - | 1.74% | - | 40.5% |
| Jun 2025 | 59.5% | - | 5.96% | - | 40.5% |
| Mar 2025 | 59.5% | - | 9.36% | - | 40.5% |
| Dec 2024 | 60.51% | - | 9.78% | - | 39.49% |
| Sep 2024 | 62.35% | - | 9.16% | - | 37.65% |