Emerald Finance
BSE: EMERALD · Non Banking Financial Company (NBFC)
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Snapshot
Unlock Emerald Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Emerald Finance is a Chandigarh-based non-banking financial company providing credit facilities to small and medium enterprises and retail customers. The firm leverages its digital platform, MoneyWide, to offer personal loans, business loans, and microfinance solutions.
Business Model
The company generates revenue through interest income on loans provided to underserved segments, utilising data analytics for credit assessment in the absence of traditional collateral. It focuses on digital transformation to streamline loan disbursements and enhance operational efficiency.
Management Commentary
Management emphasises the integration of technology and data analytics to navigate the competitive Indian NBFC landscape and improve creditworthiness evaluations.
Growth Outlook
Growth is driven by the expansion of the MoneyWide fintech platform and a strategic focus on capturing demand for quick digital credit in urban and semi-urban markets.
Key Risks
- Credit Risk. The reliance on non-traditional collateral models increases exposure to potential defaults among underserved borrower segments.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India.
- Market Competition. The company faces intense competition from both traditional banks and well-capitalised fintech entities within the Indian lending space.
- Technology Risk. Operational dependence on the MoneyWide digital platform makes the firm vulnerable to cybersecurity threats and system failures.
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Key Metrics
REVENUE
₹31 Cr
TTM · consolidated
NET PROFIT
₹15 Cr
TTM · consolidated
EPS
₹4.39
TTM · consolidated
RETURN ON EQUITY
17.3%
TTM · consolidated
P/E
13.0x
Q4 FY26 · consolidated
NET PROFIT MARGIN
44.7%
Q4 FY26 · consolidated
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Emerald FinanceEMERALD | ₹178 Cr | 11.77 | — | 44.5% | — | 17.3% | — | -29.3% |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
As of Q4 FY26
Financials
Emerald Finance
BSE: EMERALD · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Emerald Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Emerald Finance is a Chandigarh-based non-banking financial company providing credit facilities to small and medium enterprises and retail customers. The firm leverages its digital platform, MoneyWide, to offer personal loans, business loans, and microfinance solutions.
Business Model
The company generates revenue through interest income on loans provided to underserved segments, utilising data analytics for credit assessment in the absence of traditional collateral. It focuses on digital transformation to streamline loan disbursements and enhance operational efficiency.
Management Commentary
Management emphasises the integration of technology and data analytics to navigate the competitive Indian NBFC landscape and improve creditworthiness evaluations.
Growth Outlook
Growth is driven by the expansion of the MoneyWide fintech platform and a strategic focus on capturing demand for quick digital credit in urban and semi-urban markets.
Key Risks
- Credit Risk. The reliance on non-traditional collateral models increases exposure to potential defaults among underserved borrower segments.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India.
- Market Competition. The company faces intense competition from both traditional banks and well-capitalised fintech entities within the Indian lending space.
- Technology Risk. Operational dependence on the MoneyWide digital platform makes the firm vulnerable to cybersecurity threats and system failures.
Start your research today
Unlock AI insights, financials, peers and live data on Emerald Finance and 5,000+ companies — free.
Key Metrics
REVENUE
₹31 Cr
TTM · consolidated
NET PROFIT
₹15 Cr
TTM · consolidated
EPS
₹4.39
TTM · consolidated
RETURN ON EQUITY
17.3%
TTM · consolidated
P/E
13.0x
Q4 FY26 · consolidated
NET PROFIT MARGIN
44.7%
Q4 FY26 · consolidated
Peers · Non Banking Financial Company (NBFC)
As of Q4 FY26