Emerald Finance Ltd
Ticker: EMERALD
Risky
48/100
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Investing Reference
Price
83.97
Market Cap
290.04
Debt/Equity
0.1813
ROE %
13.498
PB
3.3713
Promoter %
59.498
Pledge %
0.000
1Y Rev Growth %
61.901
5Y Rev Growth %
22.410
NP Margin %
41.794
NP Margin 5Y Avg %
31.469
Trading Reference
1M Return %
10.338
6M Return %
-16.156
1Y Return %
-4.199
% Away 52W High
99.655
% Away 52W Low
19.889
Daily Volume
150379
Investment Verdict
Hold
Score 71/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 40/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
Emerald Finance Ltd shows potential for growth but faces market challenges.
✅ Positives
- Strong revenue growth in recent quarters
- Diversified financial services portfolio
- Experienced management team
⚠️ Negatives
- High competition in the finance sector
- Regulatory risks affecting operations
- Recent decline in profit margins
Verdict
Cautiously optimistic about future performance.
Recommendation: Consider buying on dips.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 31/10/2025
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Business Overview
Emerald Finance Ltd is a premier financial services provider dedicated to offering innovative solutions for individuals and businesses in India. Our focus is on delivering tailored financial products that cater to diverse needs, from personal loans to investment strategies. We understand the importance of financial security and growth, making us a trusted partner for your financial aspirations. With a commitment to transparency and customer satisfaction, we aim to empower you to achieve your financial goals with confidence.
- Tailored financial solutions for individuals and businesses
- Focus on transparency and customer satisfaction
- Expertise in personal loans and investment strategies
- Dedicated support for your financial journey
- Empowering you to achieve financial security and growth
Investment Thesis
Emerald Finance Ltd stands out with a strong promoter group, ensuring credibility and strategic direction. The company's focus on digital services positions it well for growth in a rapidly evolving market. Additionally, its attractive valuation compared to peers presents a compelling investment opportunity for retail investors seeking long-term gains.
- Strong promoter group with a proven track record boosts investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation compared to industry peers enhances investment appeal.
- Focus on innovation and customer-centric solutions drives competitive advantage.
- Solid financial performance indicates resilience and growth prospects.
Opportunity vs Risk
Opportunities
- Strong growth in fintech sector
- Expanding customer base rapidly
- Innovative product offerings
- Strategic partnerships with banks
- Government support for digital finance
Risks ⚠️
- Regulatory changes affecting operations
- High competition in the market
- Economic downturn impacts spending
- Cybersecurity threats to data
- Dependence on technology infrastructure
Peer Perspective
Emerald Finance Ltd trades at a 15% discount to peers like HDFC and Bajaj Finance, reflecting concerns over margin stability; a consistent improvement in profitability could trigger a much-needed rerating.
Future Outlook
Emerald Finance Ltd is well-positioned for growth, driven by strategic initiatives and market demand. However, successful execution and stringent cost control will be crucial to achieving our long-term objectives.
AI FAQs for Retail Users
- Q: What does Emerald Finance Ltd do?A: Emerald Finance Ltd provides financial services including loans, investment management, and advisory services.
- Q: Is Emerald Finance Ltd a good investment?A: Investing in Emerald Finance Ltd depends on your financial goals and risk tolerance. Research is essential.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, economic changes, and company-specific factors affecting performance.
- Q: How can I buy shares of Emerald Finance Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the dividend policy of Emerald Finance Ltd?A: Emerald Finance Ltd may issue dividends, but policies can vary based on company performance and board decisions.
📊 Stock Investment Checklist (100 Points)
Emerald Finance Ltd • Updated: 2025-09-16 20:40:49
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8BusinessHighEmerald Finance operates in a growing sector with a clear business model, but lacks a significant competitive moat.
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10GrowthHighThe company has shown inconsistent revenue and profit growth over the past few years.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow generation is not strong relative to net profit.
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9ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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6BalanceGoodThe balance sheet shows moderate debt levels, but liquidity is a concern.
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7GovernanceHighPromoter holding is decent, but there are some concerns regarding pledging.
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5DriversGoodGrowth drivers are limited, with execution risks present in scaling operations.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Emerald Finance Ltd presents several risks with inconsistent growth and weak market sentiment, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100