About
Emerald Finance Limited, a non-banking finance company, provides financial services in India. It provides unsecured working-capital loan and other loan services to MSMEs and retail customers. The company was formerly known as Emerald Leasing Finance and Investment Company Limited. The company was incorporated in 1983 and is based in Chandigarh, India.
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 1.05 | 1.46 | 0.62 | 0.52 | 0.76 | 1.00 | 0.60 | 0.50 | 0.56 | 0.81 | 0.42 | 0.54 | 0.59 |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.03 | 0.02 | 0.01 | 0.00 | 0.02 | 0.01 | 0.01 | 0.00 |
| Depreciation | 0.02 | 0.06 | 0.00 | 0.00 | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
| Interest | 0.57 | 0.51 | 0.47 | 0.39 | 0.46 | 0.47 | 0.52 | 0.52 | 0.46 | 0.37 | 0.34 | 0.19 | 0.16 |
| Profit before tax | 4.63 | 3.82 | 4.21 | 3.98 | 3.52 | 3.11 | 2.32 | 1.93 | 1.48 | 0.84 | 1.04 | 1.12 | 1.01 |
| Tax % | 25.49 | 27.23 | 25.18 | 25.13 | 25.28 | 30.55 | 25.00 | 25.39 | 25.00 | 25.00 | 25.00 | 25.00 | 24.75 |
| Net Profit | 3.45 | 2.78 | 3.15 | 2.98 | 2.63 | 2.16 | 1.74 | 1.44 | 1.10 | 0.63 | 0.78 | 0.84 | 0.76 |
| EPS in Rs | 1.00 | 0.80 | 0.91 | 0.86 | 0.76 | 0.63 | 0.52 | 0.44 | 0.36 | 0.21 | 0.26 | 0.28 | 0.25 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 3.00 | 3.00 | 2.00 | 2.00 | 2.00 | 1.00 | 1.00 | 1.00 | 0.00 | 0.00 | 1.00 | 1.00 |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 2.00 | 2.00 | 1.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 16.00 | 9.00 | 4.00 | 3.00 | 2.00 | 1.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Tax % | 26.00 | 25.00 | 25.00 | 26.00 | 26.00 | 24.00 | 19.00 | 28.00 | 30.00 | 33.00 | 33.00 | 29.00 |
| Net Profit | 12.00 | 7.00 | 3.00 | 2.00 | 2.00 | 1.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS in Rs | 3.34 | 1.91 | 1.00 | 0.69 | 0.56 | 0.35 | 0.20 | 0.12 | 0.02 | 0.02 | 0.03 | 0.03 |
| Dividend Payout % | 3.00 | 8.00 | 10.00 | 14.00 | 18.00 | 9.00 | 39.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 35.00 | 35.00 | 30.00 | 30.00 | 29.00 | 9.00 | 9.00 | 9.00 | 3.00 | 3.00 | 3.00 | 3.00 |
| Reserves | 51.00 | 41.00 | 9.00 | 7.00 | 3.00 | 2.00 | 1.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 3.00 | 3.00 | 2.00 | 1.00 | 2.00 | 3.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 105.00 | 93.00 | 54.00 | 42.00 | 38.00 | 16.00 | 12.00 | 11.00 | 4.00 | 4.00 | 3.00 | 3.00 |
| Fixed Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 0.00 | 0.00 |
| Other Assets | 104.00 | 92.00 | 53.00 | 41.00 | 36.00 | 15.00 | 11.00 | 10.00 | 3.00 | 3.00 | 3.00 | 3.00 |
| Total Assets | 105.00 | 93.00 | 54.00 | 42.00 | 38.00 | 16.00 | 12.00 | 11.00 | 4.00 | 4.00 | 3.00 | 3.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -10.00 | -16.00 | -11.00 | 2.00 | -21.00 | 1.00 | -3.00 | -4.00 | 0.00 | 1.00 | 0.00 | 0.00 |
| Cash from Investing Activity | -1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -1.00 | 0.00 | 0.00 |
| Cash from Financing Activity | -1.00 | 30.00 | 8.00 | 2.00 | 22.00 | 0.00 | 1.00 | 6.00 | 1.00 | 0.00 | 0.00 | 0.00 |
| Net Cash Flow | -12.00 | 14.00 | -4.00 | 5.00 | 1.00 | 1.00 | -2.00 | 2.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Free Cash Flow | -10.00 | -16.00 | -12.00 | 2.00 | -21.00 | 1.00 | -3.00 | -4.00 | 0.00 | 1.00 | 0.00 | 0.00 |
| CFO/OP % | -41.00 | -146.00 | -224.00 | 67.00 | -813.00 | 73.00 | -313.00 | -627.00 | -231.00 | 1,000.00 | 0.00 | -21.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
8 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 23 Sep 2025 | 23 Sep 2025 | — | 0.09 | |
| Dividend | 31 Jan 2025 | 31 Jan 2025 | — | 0.06 | |
| Dividend | 23 Sep 2024 | — | — | 0.10 | |
| Dividend | 22 Sep 2023 | — | — | 0.10 | |
| Dividend | 23 Sep 2022 | — | — | 0.10 | |
| Dividend | 23 Sep 2021 | 24 Sep 2021 | — | 0.10 | |
| Other | 27 Jan 2021 | 28 Jan 2021 | — | — | Right Issue of Equity Shares |
| Other | 29 Nov 2018 | 30 Nov 2018 | — | — | Right Issue of Equity Shares |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update11 Mar from crisil
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Rating update21 Jan from crisil
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Rating update22 Nov 2024 from crisil
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Rating update24 Oct 2024 from crisil