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What is the PE ratio of Emerald Finance Ltd?

Emerald Finance Ltd has a price-to-earnings (PE) ratio of 12.6 in the Financial Services sector.

What is the market capitalisation of Emerald Finance Ltd?

Emerald Finance Ltd has a market capitalisation of approximately ₹197 crore.

Emerald Finance Ltd

EMERALDLEASINGFINANCELTD·NSE·Financial Services

₹0.00▲ +0.00 (+0.00%)

⚠️Trading suspended. Not a live price.

Financial Services · NBFC

A steady, established business

52W₹46

₹97-88%

Open

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High

—

Low

—

Prev Close

—

Volume

—

VWAP

—

Snapshot

Key fundamentals

Market Cap

₹197 Cr

P/E Ratio

12.60Cheap

P/B Ratio

1.98

EPS

₹4.19

Book Value

₹28.00

ROE

16.00%Strong

ROCE

21.20%Efficient

Dividend Yield

0.27%

Debt / Equity

0.23Low

Face Value

₹10.00

52W High

₹97.00

52W Low

₹45.50

Sector

Financial Services

Industry

NBFC

Fairly Valued

Narrow moatVery High uncertainty

Fair value estimate

₹33

No recent traded price

BearFair valueBull

₹28₹33₹38

/100

Business quality — Solid

Growth 50Profitability 55Efficiency 66Valuation 91

Plain English

Our view

A steady, established business
Low debt relative to equity

Strengths

Low debt relative to equity
Capital is working hard (ROCE 21%)
Reasonably priced at 13× earnings
Promoters hold a controlling stake

How we got there

Fair value methods

Excess-return (book value)

16% ROE fading to 13% over ~10 yrs, on ₹28 book

₹33

Relative P/E

Needs ≥3 peers with P/E

—

Graham floor

Not meaningful for financials

—

Analyst target

No analyst coverage

—

Blended fair value₹33

What the numbers say

Investment thesis

Bull case

Low debt relative to equity
Capital is working hard (ROCE 21%)
Reasonably priced at 13× earnings
Promoters hold a controlling stake

Bear case

No notable red flags from the current metrics.

Free — see our deterministic Fair Value range, business quality score, and the full bull/bear case for this stock.

Snapshot

Key statistics

P/E

12.6Cheap

Below 15× is value territory; above 35× prices in strong growth

ROE

16.0%Strong

Above 15% is considered healthy for Indian equities

ROCE

21.2%Efficient

Above 18% means capital is working hard

Debt/Eq

0.23Low

Below 0.5 is comfortable; above 1.5 strains the balance sheet

Mkt Cap

₹197 Cr

P/B

1.98

EPS

₹4.19

Div Yield

0.27%

What changed

Recent changes

Promoters+0.20% stake last quarter

What matters

News impact

Overview

Valuation

Attractive

P/E 12.6×

Growth

N/A

No history

Profitability

Healthy

16.0% ROE

Financial health

Rock solid

D/E 0.23

Momentum

N/A

No technicals

Today

Trading activity

Delivery %—

Turnover—

Trades—

VWAP—

Face value₹10.00

Market depth

Market depth available during market hours

Snapshot

Technical signals

Compounded annual growth

Growth (CAGR)

Revenue

—

10Y

—

Profit

+71.0%

+71.9%

10Y

—

EPS

+53.9%

+54.2%

10Y

+63.9%

Profile

Pros

Company is expected to give good quarter
Company has delivered good profit growth of 59.5% CAGR over last 5 years

Watch-outs

Cons

Company has a low return on equity of 13.7% over last 3 years.
Promoter holding has decreased over last 3 years: -8.10%
Working capital days have increased from 423 days to 1,121 days

Forecast

News

Peers

Financials

Growth

Shareholding

Ownership

Ownership breakdown

Quarter ending 31 Mar 2026

Promoters raised their stake by 0.20 pts last quarter. The QoQ column shows each group's change versus the prior quarter.

60%

Promoter

Promoters

59.7%+0.20

Public

32.5%-0.08

FII / FPI

1.8%+0.04

DII

0.0%0.00

Others

6.0%

Total shareholders

10,854-375 QoQ

Quarterly trend

Ownership over time

Q4 FY26

Promoter59.70%

FII1.78%

Public32.49%

Others6.03%

Corporate Actions

Bulk & Block Deals

Filings

MF Holdings

Technicals

FAQs

Quick reference

Frequently asked questions

Incorporated in 1983, Emerald Finance Ltd offers financial products and services, including its flagship Earned Wage Access (EWA) in India.[1]