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STOCK COMPARISON

Emerald Finance vs Saumya Consultants: Fair Value & Quality

Both stocks run through our valuation models. Here is how Emerald Finance (EMERALD) and Saumya Consultants (SAUMYA) compare, as of Oct 3, 2026.

As of Oct 3, 2026, Fair Value Calculator sees Emerald Finance as the less overvalued of the two: Emerald Finance trades at ₹58.72 versus a fair value of ₹40.99 (−30.2%), while Saumya Consultants trades at ₹120 versus ₹45.37 (−62.1%).
Emerald Finance
EMERALD.BSE · INR
−30.2%
upside to fair value
overvalued
Price₹58.72
Fair Value₹40.99
Quality44/100
Saumya Consultants
SAUMYA.BSE · INR · Financials
−62.1%
upside to fair value
overvalued
Price₹120
Fair Value₹45.37
Quality40/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Emerald FinanceSaumya Consultants
Valuation
14.0×P/E (TTM)n/a
6.51×P/S (TTM)0.15×
2.10×P/Bn/a
9.4×EV/EBITDAn/a
−30.2%Fair value upside−62.1%
0.2%Dividend yieldn/a
₹0.10Dividend per sharen/a
Profitability
68.3%Operating margin-173.7%
16.4%Return on equity-5.7%
12.7%Return on assets-5.5%
Growth
51.1%Revenue growth (YoY)-86.8%
28.3%Avg. growth/yr (3Y)-16.9%
45.7%Avg. growth/yr (5Y)-8.7%
+30.4%Value creation/yrn/a
Balance & size
76.2×Interest coverage (EBIT/interest)n/a
0.18×Debt / equity0.00×
$21MMarket cap$9M
expensiveGrowth qualityweak
Valuation multiples (P/E, P/S, P/B, EV/EBITDA) are shown but not scored here: the two companies sit in different sectors, and multiples only compare fairly between similar business models. PEG stays scored, as it relates the P/E to growth.

Emerald Finance leads: 6 to 1 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Emerald Financeof which business quality 41 · market factors 34 Saumya Consultantsof which business quality 40 · market factors 31
ProfitabilityMargins and returns on capital today
55
2
Quality GrowthAre margins and returns improving?
59
0
CashflowEarnings quality: real cash, not paper profit
0
32
Fin. StrengthBalance sheet, leverage, solvency risk
80
67
InvestmentDisciplined investing over empire-building
49
72
Low VolatilityCalm price path (market factor)
55
60
MomentumPrice trend over the last 3–12 months (market factor)
27
18
52W MomentumDistance to the 52-week high (market factor)
20
21
Net IssuanceShare count: buybacks or dilution?
0
82

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyEmerald FinancePrice ₹58.72Saumya ConsultantsPrice ₹120
DCF Models+120.6%above the price₹130n/a
Earnings-Based+103.2%above the price₹119n/a
Multiples+23.3%above the price₹72.41n/a
Asset-Based−68.1%below the price₹18.74−7.9%close to the price₹110
Economic Profit+3.8%close to the price₹60.97n/a
Growth Earnings+148.1%above the price₹146n/a
Minimum−68.1%below the price₹18.74−7.9%close to the price₹110
Maximum+148.1%above the price₹146−7.9%close to the price₹110
Median+63.3%above the price₹95.87−7.9%close to the price₹110
Geometric mean+28.7%above the price₹75.57−7.9%close to the price₹110

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Emerald Finance: 5 of 15 models see the stock below the current price.

Saumya Consultants: 1 of 1 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Emerald Finance
Price ₹58.72
Fair Value ₹40.99
Bear ₹22.44Bull ₹84.30
Saumya Consultants
Price ₹120
Fair Value ₹45.37
Bear ₹29.94Bull ₹56.71

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Emerald Finance

No peer data.

Saumya Consultants · Financials

Quality score40 · bottom 25%
Fair value upside−62.1% · bottom 25%

Bottom line

As of Oct 3, 2026, Fair Value Calculator sees Emerald Finance as the less overvalued of the two: Emerald Finance trades at ₹58.72 versus a fair value of ₹40.99 (−30.2%), while Saumya Consultants trades at ₹120 versus ₹45.37 (−62.1%).

Emerald Finance has the higher quality score (44/100).

Open Emerald Finance live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.